Fondo De Garantias Del Cafe S A

What Fondo De Garantias Del Cafe S A does

Fondo de Garantias del Cafe S.A. is a mixed-economy private company (sociedad de economía mixta) founded on 1997-12-24 and headquartered in Pereira, Risaralda, Colombia. It operates as the exclusive regional commercial agent of the Fondo Nacional de Garantías (FNG) for the Eje Cafetero, with the FNG itself serving as founding promoter and managing partner. The company issues credit guarantees (Garantías Crediticias) that enable Mipymes and other borrowers in the region to access financing through authorized financial intermediaries, and it also purchases certificates of deposit (Compra de CDT) as a complementary credit intermediation activity. Coverage spans the departments of Caldas, Quindío, and Risaralda, plus the Magdalena Caldense subregion and Antioquia.

The core products are built on FNG's state-backed guarantee infrastructure rather than on proprietary technology. Service offerings include a Bond Issuance Line launched in 2021-05 with FNG backing, a VIS (Vivienda de Interés Social) housing guarantee product targeting individual low-income housing buyers, and the CDT purchase service. The platform architecture is operational rather than technological: the company does not disclose a proprietary technology stack, and no AI or automation capabilities are referenced in available material. Compliance frameworks are aligned with Colombian Law 1581 of 2012 (data protection) and Law 2300 of 2023 (financial consumer protection).

Revenue mechanics are commission- and fee-based on guarantee origination through the financial intermediary network, supplemented by returns on CDT acquisitions and bond issuance structuring. The shareholder base combines public and private entities, including chambers of commerce, family compensation funds (cajas de compensación familiar), and regional government bodies. The company employs 12+ staff, of which 3 are dedicated commercial executives managing the intermediary channel. With 25+ years of continuous operation, the entity functions as a regional conduit for public-backed credit guarantees rather than as a technology-driven financial services platform.

Name

Fondo De Garantias Del Cafe S A

Legal name

Fondo de Garantías del Café S.A.

Website

https://garantiasdelcafe.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Fondo de Garantias del Cafe S.A. is a Colombian mixed-economy private company serving as the regional commercial agent of the Fondo Nacional de Garantías (FNG) for the Eje Cafetero. It issues credit guarantees and purchases CDTs for Mipymes across Caldas, Quindío, Risaralda, Magdalena Caldense, and Antioquia.

Ownership category

akta.pro rank

Product category

Credit Guarantee Services

NAICS

Other Nondepository Credit Intermediation (52229)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Credit guarantee services
• CDT purchase services
• Financial guarantee facilitation
• Mipyme credit access
• Commercial banking agent

Headquarters

HQ city

Pereira

HQ country

Colombia

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Guarantee Commissions: Revenue generated through commissions charged on credit guarantees issued through the FNG program. Financial intermediaries collect these commissions on behalf of the company when credit guarantees are granted to Mipyme borrowers.
2. CDT Purchase and Discount: The company purchases Certificates of Deposit (CDT) from clients before their maturity date at a discounted value, providing immediate liquidity to clients and generating revenue through the spread between purchase price and the CDT's face value at maturity. The company offers 24-hour fund delivery after endorsement.
3. Financial Guarantee Services: As the commercial agent of the Fondo Nacional de Garantías (FNG), the company facilitates access to credit for Mipymes by providing guarantee instruments that reduce lender risk, earning service fees and commissions in the process.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Fondo de Garantías del Café S.A. acts as the exclusive commercial agent of the Fondo Nacional de Garantías (FNG) for the Eje Cafetero region (Caldas, Quindío, Risaralda), facilitating credit access for Mipymes through FNG-backed credit guarantee instruments including business, institutional, and VIS housing guarantees. The company also purchases Certificates of Deposit (CDT) from clients before maturity, providing immediate liquidity with fund delivery within 24 hours of endorsement.

Product overview

Fondo de Garantías del Café S.A. is a mixed-economy private company and commercial agent of Fondo Nacional de Garantías (FNG) for the Coffee Region (Caldas, Quindío, Risaralda). The company offers a portfolio of financial solutions centered on two core products: Credit Guarantees (Garantías Crediticias) and CDT Purchase (Compra de CDT). Through the Garantías FNG line, they provide access to various FNG guarantee products including Business Guarantees, Institutional Guarantees, and VIS Housing Guarantees. The company facilitates credit access for Mipymes and individuals across the region through partnerships with financial intermediaries.

Differentiator

Problem solved

Functional benefit

Products and services

• Garantías Crediticias (Credit Guarantees) Credit guarantee products that serve as collateral or surety for loans obtained from financial intermediaries, enabling access to credit for individuals and businesses in the Coffee Region. Backed by FNG guarantee instruments.
• Compra de CDT (CDT Purchase) Early purchase service for Certificates of Deposit (Certificados de Depósito a Término) providing immediate liquidity to CDT holders before maturity, with fund delivery within 24 hours after endorsement.
• Garantías FNG (FNG Guarantees) Commercial representation of Fondo Nacional de Garantías (FNG) offering business guarantees, institutional guarantees, and housing guarantees (VIS) for the Coffee Region covering Caldas, Quindío, and Risaralda. Includes Garantías Empresariales backing credit and leasing for working capital, fixed investment, business capitalization, technology R&D, and company creation; Garantías Institucionales backing credit operations for institutional debtors lending to Mipymes; and Garantías para Vivienda de Interés Social (VIS) backing credit for acquisition, improvement, or construction of social interest housing.

Quantifiable outcome

• Over 25 years of regional operation supporting Mipyme credit access

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

17 partnerships are on record, tiered core and minor.

• Fondo Nacional de Garantías (FNG)coreStrategic or Co-development Partner · 24 December 1997FNG is the founding promoter and managing partner of Fondo de Garantías del Café S.A., established on December 24, 1997. The company serves as the exclusive commercial agent of FNG for the Eje Cafetero region (Caldas, Quindío, Risaralda). FNG is a government entity (adscrita al Ministerio de Hacienda) that provides guarantee instruments to support Mipyme credit access across Colombia.
• Departamento del QuindíominorOthersPublic sector shareholder in Fondo de Garantías del Café S.A., representing regional government ownership in the mixed-economy company.
• Inficaldas (Instituto de Financiamiento de Caldas)minorOthersPublic sector shareholder providing regional development financing perspective to the company's shareholder base.
• Infimanizales (Instituto de Financiamiento de Manizales)minorOthersPublic sector shareholder contributing regional development financing perspective to the company's governance.
• Departamento de RisaraldaminorOthersPublic sector shareholder in Fondo de Garantías del Café S.A.
• Municipio de PereiraminorOthersMunicipal government shareholder in Fondo de Garantías del Café S.A.
• Cámara de Comercio de ManizalesminorOthersPrivate sector shareholder representing the commercial chamber's interests and network.
• Cámara de Comercio de PereiraminorOthersPrivate sector shareholder representing the Pereira commercial chamber's network.
• Cámara de Comercio de Santa Rosa de CabalminorOthersPrivate sector shareholder from Santa Rosa de Cabal municipality.
• Cámara de Comercio de DosquebradasminorOthersPrivate sector shareholder representing Dosquebradas commercial chamber.
• Cámara de Comercio de ArmeniaminorOthersPrivate sector shareholder representing the Armenia commercial chamber.
• Comfamiliar RisaraldaminorOthersPrivate sector shareholder representing the Risaralda family compensation fund (caja de compensación familiar).
• Corporación Actuar FamiempresasminorOthersPrivate sector shareholder representing microenterprise support organization.
• Comfenalco QuindíominorOthersPrivate sector shareholder representing the Quindío family compensation fund.
• Confa (Caja de Compensación Familiar de Caldas)minorOthersPrivate sector shareholder representing the Caldas family compensation fund.
• Superintendencia Financiera de ColombiaminorOthersRegulatory oversight body for the Colombian financial sector. The company operates under its supervision as a financial services entity.
• Financial Intermediaries (Banks and Financial Entities)coreChannel Partner/ Reseller/ DistributorBanks and financial entities across the Eje Cafetero that originate credit to Mipymes and utilize the company's FNG guarantee instruments to reduce lending risk. These intermediaries are the primary channel through which guarantee products reach end borrowers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Fondo Nacional de Garantías (FNG): The Colombian national guarantee entity that designates and oversees Fondo de Garantías del Café as its regional commercial agent. FNG operates the overarching guarantee programs that the subject company distributes locally, making it the parent brand and most direct comparable for guarantee product design.
• Bancóldex: Colombian development bank focused on Mipyme financing and credit support. Comparable as a public-purpose financial institution channeling credit and guarantees to small and medium enterprises across Colombia.
• Finagro: Colombian agricultural sector development bank that provides credit guarantees and financing for the agricultural value chain. Comparable in providing government-backed credit guarantee mechanisms for rural and agricultural producers, overlapping with the Coffee Region's primary economic base.

Emerging players

• Konfío: Latin American fintech lender serving SMEs with digital credit products. Comparable as a non-bank credit provider addressing collateral and credit-history gaps that FNG guarantee instruments are designed to mitigate, though operating in Mexico rather than Colombia.
• Creditek: Colombian fintech focused on digital credit for businesses and individuals. Comparable as an emerging alternative to traditional guarantee-backed bank lending for Mipymes, illustrating the competitive digital shift the subject company faces.

Regional players

• Fideicomisos y Garantías (Colombia): Colombian trust and guarantee services firm operating in the broader credit infrastructure space. Comparable as an entity providing guarantee-related fiduciary services to lenders and borrowers in the Colombian market.

Direct peers

• Bancompartir: Colombian microfinance institution specializing in credit for micro-enterprises and low-income households. Comparable in customer segment (Mipymes) and in providing credit access in regions underserved by traditional banks.
• Bancamia: Colombian microfinance bank serving micro and small businesses with credit and complementary financial services. Comparable as a regulated Mipyme-focused financial intermediary operating at the small-ticket end of Colombian business credit.
• Fondo de Garantías de Bogotá: A regional FNG commercial agent analogous to Fondo de Garantías del Café but serving the Bogotá region. Most direct peer because it operates the same FNG-anchored regional guarantee distribution model in a different Colombian geography.
• Fondo Regional de Garantías del Caribe: Another FNG commercial agent covering Colombia's Caribbean region. Operates the same mixed-economy regional guarantee distribution model with public-private shareholders, making it structurally comparable for benchmarking scale and product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/garantiasdelcafe
• Instagraminstagram.com/garantiasdelcafe
• LinkedInlinkedin.com/company/fondodegarantiasdelcafe

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Fondo De Garantias Del Cafe S A