Laticobsa

What Laticobsa does

Laticobsa S.A. — doing business as "Latinoamericana de Cobranzas" — is an Ecuadorian debt collection and portfolio recovery company headquartered in Guayaquil at Gral. Córdova #1021 y 9 de Octubre, Edificio San Francisco 300, piso 12, oficina 1. The company delivers a full lifecycle of recovery services to Ecuadorian financial institutions and retail companies, including preventive collection (Cobranza Preventiva), extrajudicial collection management, judicial collection management, and the direct purchase of overdue debt portfolios, as well as payment collection management across client-designated channels. Its two named principals, Ab. David Estrada (President) and Dr. Oscar Crow (General Manager), are partners in the underlying law firm Estudio Jurídico ESTRADA & CROW, which is structurally integrated with Laticobsa and supplies the legal capability required for judicial and extrajudicial collection.

The operational platform combines an in-house developed portfolio management software ("Gestión de Cartera") that adapts to client requirements and delivers real-time reporting, a call center with more than 60 workstations, an IVR (Interactive Voice Response) system, an SMS outreach channel, and a network of field executives who conduct on-site collection visits. Quality control is enforced through exhaustive per-agent parameters and call recording verification. The company markets through its corporate website, WhatsApp, and Facebook Messenger, and sells exclusively through direct enterprise engagement with no intermediary channels.

Laticobsa's revenue model is fee-on-recovery based for its agency services, with a transaction-fee structure applied to both contingent collection mandates and purchased distressed portfolios. Its publicly disclosed client base of six enterprise accounts — Banco de Guayaquil, De Prati, Pycca, Artefacta, YANBAL, and ORIFLAME — spans banking, department-store retail, consumer appliance retail, and direct-sales cosmetics. The company is privately held, founder-controlled, and operates solely within Ecuador with no disclosed international footprint, funding history, or financial metrics.

Name

Laticobsa

Legal name

Laticobsa S.A.

Website

https://laticobsa.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Laticobsa S.A. (Latinoamericana de Cobranzas) is an Ecuadorian debt collection agency serving financial institutions and retail companies with preventive, extrajudicial, and judicial recovery services, plus portfolio purchases, delivered via proprietary software and a 60+ workstation call center.

Ownership category

akta.pro rank

Product category

Debt Collection and Portfolio Recovery Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYBPAAAEAB

Third-Party Debt Collection Agencies (Consumer & Commercial)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

SECONDARYBPAAAEAD

Late-Stage / Hard Collections (Charge-Off, Litigation Prep Support)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

SECONDARYBPAAAEAE

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

SECONDARYFSAKAJAC

Debt Buying & Portfolio Acquisition (Charged-Off Receivables)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

Keywords

• Debt collection services
• Portfolio recovery
• Accounts receivable management
• Judicial collection management
• Preventive collection

Headquarters

HQ city

Guayaquil

HQ country

Ecuador

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Collection Services: Collection and recovery services for delinquent and non-performing portfolios, charging fees based on successful recovery outcomes. Services include preventive collection, extrajudicial, and judicial collection management.
2. Portfolio Purchase: Direct purchase of overdue/debt portfolios, generating revenue through subsequent recovery and collection of purchased receivables.
3. Value Collection and Management: Collection and management of monetary values for clients, likely on a fee or percentage basis.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Laticobsa S.A. (Latinoamericana de Cobranzas) is an Ecuadorian debt collection and portfolio recovery company. It provides preventive collection, extrajudicial and judicial portfolio management, direct purchase of overdue debt portfolios, and payment channeling services to banks and retail companies, executing collections via call center (60+ workstations), IVR, SMS, field executive visits, and an in-house developed collection management software with real-time reporting.

Product overview

LATICOBSA S.A. (Latinoamericana de Cobranzas) is a debt collection and recovery company that operates as part of Estudio Jurídico ESTRADA & CROW. The company offers a comprehensive suite of debt management services including Preventive Collection (Cobranza Preventiva), Extrajudicial Collection Management (Gestión Extrajudicial de cartera), Judicial Collection Management (Gestión Judicial de cartera), Purchase of Overdue Debt (Compra de cartera vencida), and Payment Collection Management (Gestión y recolección de valores). These core services are delivered through multiple channels including an in-house developed management Software, a Call Center with over 60 workstations, IVR (Interactive Voice Response) systems, and SMS messaging services. The company supports its operations with proprietary software providing real-time reporting and quality control features including call recording verification.

Differentiator

Problem solved

Functional benefit

Products and services

• Cobranza Preventiva (Preventive Collection) Preventive debt collection service designed to proactively manage accounts before they become overdue, reducing potential losses for clients such as banks and retail companies with consumer credit programs.
• Gestión Extrajudicial de Cartera (Extrajudicial Portfolio Management) Out-of-court debt collection management service for overdue accounts, handling negotiations, contact, and recovery through call center, SMS, IVR, and field visits without legal proceedings.
• Gestión Judicial de Cartera (Judicial Portfolio Management) Legal/judicial debt collection management for accounts requiring court action for recovery, enabled through the firm's affiliation with partner law firm Estudio Jurídico ESTRADA & CROW.
• Compra de Cartera Vencida (Purchase of Overdue Debt) Direct purchase of overdue or non-performing debt portfolios, allowing clients (typically financial institutions) to sell their non-performing loans and transfer recovery risk to Laticobsa.
• Gestión y Recolección de Valores (Payment Collection and Management) Management and collection of monetary payments on behalf of clients, directing payments through the client's preferred collection channels (banks, retail locations, etc.).

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Estudio Jurídico ESTRADA & CROWcoreStrategic or Co-development PartnerLaticobsa is part of Estudio Jurídico ESTRADA & CROW, providing legal expertise and capabilities for extrajudicial and judicial collection management. This partnership enables the company to offer both preventive and legal collection services.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• KRUK: Leading Central European debt management and portfolio purchaser, operating a hybrid model of agency collections and proprietary portfolio recovery. Comparable to Laticobsa's combined contingency-fee and portfolio-purchase approach, with publicly listed operational benchmarks.
• Hoist Finance: European specialist in purchasing and servicing non-performing loan portfolios from banks and financial institutions. Closely aligned with Laticobsa's Compra de cartera vencida and bank-side collection services, though operating exclusively in Europe today.
• Credit Corp Group: Australian specialist in debt purchasing and collection services, including consumer credit and emerging markets exposure. Comparable to Laticobsa's portfolio purchase plus contingency collection model, with similar focus on consumer and small-ticket commercial receivables.

Broad incumbents

• EOS Group: International debt collection services provider with operations across Europe, North America, and other regions, offering both outsourced collections and purchased portfolio recovery. Directly comparable to Laticobsa's hybrid fee-based + portfolio-purchase model, though at global scale.
• Encore Capital Group: Global debt buyer and recovery operator (parent of Cabot Credit Management in Europe). Directly comparable to Laticobsa's portfolio purchase and recovery business, with overlapping ambition in the Latin American consumer credit market.
• Intrum: Europe's largest debt collection and credit management services provider, operating across multiple geographies with full-service collections and portfolio purchasing. Comparable to Laticobsa in core offering (third-party collections + debt buying) but operates at a vastly larger, multi-country scale.
• PRA Group: US-listed specialist in purchasing and collecting defaulted receivables, with growing international presence. Comparable to Laticobsa's Compra de cartera vencida line and broader recovery operations, but operates with materially larger capital base and multi-country footprint.
• Equifax: Global credit bureau and consumer credit information provider, with adjacent data-driven debt recovery services. Comparable to Laticobsa's data-intensive collection management approach and serves similar financial institution clients, though principally a credit reporting rather than collections business.
• TransUnion: Global information and insights company providing credit reporting, debt recovery, and analytics to financial institutions and retailers. Comparable to Laticobsa in serving banks and retail credit grantors with risk and recovery solutions, at significantly larger scale.

Others

• Coface: Global credit insurance and trade credit management company with adjacent debt collection and recovery services. Comparable to Laticobsa as a financial-services-adjacent recovery provider serving international clients, though its core focus is credit insurance rather than consumer collections.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/laticobsa
• LinkedInlinkedin.com/company/laticobsa

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Laticobsa