Titularice, S.A., STANH
Titularice is a Bogotá-based, SFC-regulated Colombian securitization company (STANH) that structures and administers non-mortgage asset-backed securities programs — including payroll loans, vehicle loans, NPLs, and credit portfolios — for institutional originators and qualified professional investors in the Colombian capital market.
- Company typePrivate
- Founded-
- HeadquartersBogotá, Colombia
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Titularice, S.A., STANH does
Titularice S.A. Sociedad Titularizadora de Activos No Hipotecarios is a Bogotá-based Colombian securitization company licensed as a STANH (Sociedad Titularizadora de Activos No Hipotecarios) under the supervision of the Superintendencia Financiera de Colombia. Its core business is the structuring, constitution, administration, and legal representation of securitization universalities — pooled portfolios of non-mortgage assets with mathematically predictable cash flows that are converted into tradable debt securities (títulos representativos de deuda) placed with professional investors through the Colombian securities market and the Bolsa de Valores.
The company's product surface spans multiple asset classes: payroll deduction loans (libranzas) via programs such as Kredit 01/02/05, Ban100, BAN-100 Private I/II, Compensar 01/02, Avista, ExcelCredit, and IRIS 01; credit card and general credit portfolios (Kredit 01, Titularice Uni2); vehicle loan portfolios including non-performing loan programs (NPL I/II) and the Confirmeza program; and promissory note portfolios (FCP Bonus 01). Revenue is generated through professional services fees for structuring and ongoing administration of these securitization universalities; pricing is bespoke and quote-based, not publicly disclosed. The go-to-market is B2B relationship-driven enterprise sales, supported by a dedicated investor relations function led by President Jorge Alberto Linares, content marketing on titularice.com, and financial education content.
Titularice is privately held by founding shareholders Organización Delima and Grupo Hencorp, has 12,000 ordinary shares issued with no shares in reserve, is a signatory to the UN Principles for Responsible Investment, and operates from a single office in Bogotá with stated ambitions to develop capital markets in Colombia and the broader region. The underlying technology is a domain-specific securitization structuring platform rather than a software product; proprietary advantages rest on regulatory licensing, specialized talent, and originator relationships.
Titularice, S.A., STANH firmographics
Firmographics- Name
- Titularice, S.A., STANH
- Legal name
- Titularice S.A. Sociedad Titularizadora de Activos No Hipotecarios
- Website
- https://titularice.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Titularice is a Bogotá-based, SFC-regulated Colombian securitization company (STANH) that structures and administers non-mortgage asset-backed securities programs — including payroll loans, vehicle loans, NPLs, and credit portfolios — for institutional originators and qualified professional investors in the Colombian capital market.
- Ownership category
- akta.pro rank
Titularice, S.A., STANH industry classification
Industry- Product category
- Non-Mortgage Asset Securitization Services
- NAICS
- Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Securities and Commodity Contracts Intermediation and Brokerage (5231), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Asset-Backed Securities (6189), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Structured Finance Legal, Trustee & Administration (FSACACAJ)
- akta.pro secondary industries
- Structured Finance & Securitization Placement (ABS/MBS/CLO) (FSAEALAK), Corporate & Institutional Trust Services (FSAAANAB)
Keywords
Where Titularice, S.A., STANH is headquartered
LocationHeadquarters
- HQ city
- Bogotá
- HQ country
- Colombia
- HQ region
- Latin America
Offices1 record
Markets served
Titularice, S.A., STANH business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Others
Revenue model
- Securitization Structuring and Administration Fees: Titularice generates revenue through structuring, constituting, administering, and legally representing securitization universalities. The company charges fees for creating and managing asset-backed securities programs for originators, including issuance management and ongoing administration of securitization structures.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Titularice, S.A., STANH product offering
Product offeringCore offering
Titularice S.A. is a Colombian securitization company (STANH) that structures, constitutes, administers, and provides legal representation for securitization universalities — pooled portfolios of predictable cash-flow assets (payroll loans, vehicle loans, credit portfolios, promissory notes). It issues Títulos Representativos de Deuda (debt securities) backed by these securitized assets and credit enhancers, placing them with professional investors through the Colombian securities market. Services are tailored to each originator and structured under SFC regulation.
Product overview
Titularice S.A. is a Colombian securitization company (Sociedad Titularizadora de Activos No Hipotecarios - STANH) offering a structured platform for securitizing illiquid assets into negotiable securities. Its core service is structuring securitization universalities — pooled asset portfolios that back securities issued to professional investors. The product portfolio encompasses multiple emission programs: (1) payroll deduction loan (libranza) programs with originators such as Compensar, Kredit, Avista, Ban100, ExcelCredit, and IRIS; (2) general credit card and credit portfolios; (3) vehicle loan portfolios including non-performing loans (NPL) and the Confirmeza program; (4) promissory note (pagaré) portfolios; and (5) general credit asset programs such as Uni2. The company also issues debt securities (títulos representativos de deuda) backed by these securitized assets.
Differentiator
Problem solved
Functional benefit
Products and services
- Securitization Structuring and Administration (Estructuración de Universalidades de Titularización) End-to-end structuring service that creates, constitutes, administers, and provides legal representation for securitization universalities — pooled asset portfolios that back securities issued in the capital markets. It is delivered to originators (financial institutions and corporates with predictable cash-flow assets) under SFC regulation.
- Títulos Representativos de Deuda (Asset-Backed Debt Securities) Debt securities issued in the Colombian capital markets whose backing is the securitized asset pool and the credit enhancers built into the securitization structure. They are placed with professional investors and inscribed in the Bolsa de Valores for secondary-market liquidity.
- Payroll Loan (Libranza) Securitization Programs Asset-class securitization program that structures and issues securities backed by payroll-deduction loan (libranza) portfolios from multiple originators such as Compensar, Kredit, Avista, Ban100, ExcelCredit, and IRIS, including programs such as Compensar 01, Compensar 02, Kredit 01, Kredit 02, Kredit 05, Ban100, BAN-100 Private, BAN-100 Private II, Avista, ExcelCredit, and IRIS 01.
- Vehicle Loan Securitization Programs (including NPLs) Asset-class securitization programs that pool vehicle loan receivables — including non-performing loans — into securitization universalities and issue backed securities, covering the Confirmeza program and Non Performing Loans I and II universalizations.
- Credit Portfolio Securitization Programs Asset-class securitization programs that pool credit-card and general credit portfolios into securitization universalities and issue debt securities backed by those pools, exemplified by the Kredit 01 program.
- Promissory Note (Pagaré) Portfolio Securitization Asset-class securitization program that pools promissory note (pagaré) portfolios into a securitization universality and issues securities backed by those assets, including the FCP Bonus 01 program.
- Titularice Uni2 — General Credit Asset Securitization Program Branded emission and placement program for securitization of general credit asset portfolios, marketed as Titularice Uni2.
Companies that use Titularice, S.A., STANH
Customer profileSegments2 records
Ideal customer profiles2 records
Titularice, S.A., STANH technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Titularice, S.A., STANH partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered supporting, core and key.
- PRI (Principles for Responsible Investment)supportingTitularice is a signatory to the UN PRI, demonstrating commitment to responsible investment principles and ESG integration in their securitization activities.
- Superintendencia Financiera de Colombia (SFC)coreRegulatory body that supervises and controls Titularice S.A. as a Sociedad Titularizadora de Activos No Hipotecarios (STANH). Ensures compliance with applicable financial regulations.
- KreditkeyOriginator of payroll loan (libranza) portfolios for multiple securitization programs including Kredit 01, Kredit 02, Kredit 05, and Kredit II programs.
- Ban100keyOriginator of payroll loan (libranza) securitization programs including Ban100, BAN-100 Private, and BAN-100 Private II programs.
- CompensarkeyOriginator of payroll loan (libranza) portfolios through Compensar 01 and Compensar 02 universalization programs.
- AvistasupportingOriginator of payroll loan (libranza) securitization through Avista issuance program.
- ExcelCreditsupportingOriginator of payroll loan (libranza) securitization through ExcelCredit issuance program.
- IRISsupportingOriginator of payroll loan (libranza) securitization through IRIS 01 universalization program.
- FCP BonussupportingOriginator of promissory note (pagaré) portfolio securitization through FCP Bonus 01 universalization program.
- ConfirmezasupportingOriginator of vehicle loan securitization through Confirmeza emission and placement program.
- Non Performing Loans (NPL) OriginatorssupportingOriginators of non-performing vehicle loan portfolios through Non Performing Loans I and II universalization programs.
- Titularice Uni2supportingProgram for securitization of credit asset portfolios through Titularice Uni2 emission and placement program.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Titularice, S.A., STANH competitors and assessment
Company assessmentRegional players
- Sociedad Hipotecaria Federal (SHF): Mexican government-backed entity that structures and administers mortgage-backed securitization trusts (BONDES). Operates as a specialized securitization vehicle under a regulated framework analogous to Colombia's STANH, providing a regional parallel for Titularice's positioning and capability.
- Unifin Financiera: Mexican non-bank financial company active in leasing and factoring securitization. Operates in a parallel LatAm jurisdiction and demonstrates the playbook of building origination-plus-securitization businesses targeting institutional investors.
- Nacional Financiera (NAFIN): Mexican development bank that administers securitization trusts and guarantees for non-mortgage financial assets (Bursatilización programs). Comparable to Titularice in structuring and placing asset-backed securities for professional investors in a Latin American jurisdiction.
Broad incumbents
- BTG Pactual Colombia: Latin American investment bank with a Colombian presence active in structuring and placing ABS and other structured products. A credible competitor for high-value securitization mandates from Colombian originators.
- Banco Davivienda: Major Colombian bank with securitization issuance capability through affiliated vehicles and direct structured finance activities. Represents another broad incumbent that competes with Titularice for securitization-savvy institutional investors.
- Fiduciaria Bancolombia: Colombian trust company administering investment trusts and structured vehicles. Adjacent in trust administration services and serves many of the same institutional clients that participate in Titularice-issued ABS.
- Bancolombia: Colombia's largest financial group, active in capital markets issuance and securitization-adjacent services. While not a pure STANH, its scale, distribution, and origination capacity represent the incumbent competitive backdrop that Titularice operates within for originator and investor mindshare.
Direct peers
- Credifamilia (Compañía de Financiamiento): Colombian specialized housing finance company that originated and serviced mortgage loan securitization programs. Operates in the same Colombian asset-backed securities ecosystem as Titularice, though focused on the mortgage (vs. non-mortgage) segment — making it a natural peer under the broader SFC securitization framework.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Titularice, S.A., STANH social profiles
Digital presenceTitularice, S.A., STANH financial estimates
Financial estimateRevenue estimate
Valuation estimate
Titularice, S.A., STANH leadership team
Management profileNumber of profiles
Profiles2 records
Titularice, S.A., STANH funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Titularice, S.A., STANH M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Titularice, S.A., STANH
What does Titularice, S.A., STANH do?
Titularice S.A. is a Colombian securitization company (STANH) that structures, constitutes, administers, and provides legal representation for securitization universalities — pooled portfolios of predictable cash-flow assets (payroll loans, vehicle loans, credit portfolios, promissory notes). It issues Títulos Representativos de Deuda (debt securities) backed by these securitized assets and credit enhancers, placing them with professional investors through the Colombian securities market. Services are tailored to each originator and structured under SFC regulation.
Is Titularice, S.A., STANH a public or private company?
Titularice, S.A., STANH is a private company. It is classified as corporate owned and is currently operating.
When was Titularice, S.A., STANH founded?
Titularice, S.A., STANH was founded in -1. It employs 1 to 10 people.
Where is Titularice, S.A., STANH based?
Titularice, S.A., STANH is headquartered in Bogotá, Colombia, in the Latin America region.
How does Titularice, S.A., STANH make money?
One revenue line is on record: securitization Structuring and Administration Fees.
Who are Titularice, S.A., STANH's main competitors?
Regional players on record are Sociedad Hipotecaria Federal (SHF), Unifin Financiera and Nacional Financiera (NAFIN). Broad incumbents are BTG Pactual Colombia, Banco Davivienda, Fiduciaria Bancolombia and Bancolombia. Credifamilia (Compañía de Financiamiento) is listed as a direct peer.
Does Titularice, S.A., STANH have an API?
No public API is recorded for Titularice, S.A., STANH.
What industry is Titularice, S.A., STANH in?
Titularice, S.A., STANH's product category is Non-Mortgage Asset Securitization Services. Its primary akta.pro industry code is FSACACAJ, Structured Finance Legal, Trustee & Administration, with a secondary code of FSAEALAK, Structured Finance & Securitization Placement (ABS/MBS/CLO). Its NAICS code is 523 and its SIC code is 6189.