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§ Private Profile · Santiago, Region Metropolitana, Chile
AI-powered debt recovery solutions for financial institutions, automating collections and focused on humane, efficient debt management.
Colektia is a Santiago, Chile-based financial technology company that provides artificial intelligence-powered debt recovery and collection software for financial institutions across Latin America. The company operates a software-as-a-service platform that predicts optimal communication strategies and automates debtor interactions through personalized portals that enable digital payments, refinancing, and payment scheduling. In addition to licensing its core technology to banks, the firm directly acquires and manages non-performing loan portfolios. To date, the platform has interacted with more than 15 million debtors across five countries and recently acquired a $72 million non-performing loan portfolio. Colektia has raised a total of $15.54 million in venture funding, including a recent $9 million Series B round backed by Mouro Capital, Angel Ventures, Mountain Nazca, and Kayyak Ventures. The enterprise was founded in 2018 by co-founders Gabriel Monroy and Oswaldo Monroy.
Colektia has raised $13.0M across 2 funding rounds.
Colektia has raised $13.0M in total across 2 funding rounds.
Colektia has raised $13.0M in total across 2 funding rounds.
Colektia's investors include Mouro Capital, NEVA SGR, United Ventures, Angel Ventures, 500 Startups Latam, Dalus Capital, Juan Martitegui, Devlabs, Fen Ventures, Kayyak Ventures, Mountain Nazca.
Colektia is a fintech company founded in 2018 that builds an AI-powered platform for debt recovery, specializing in automated collection workflows, predictive analytics, and omnichannel communication.[1][2][3][4] It serves financial institutions, banks, fintechs, and other sectors in Latin America by solving inefficiencies in traditional debt collection—such as manual processes and low recovery rates—through tools like the AI agent Colly, which boosts recovery rates by up to 25% and cuts costs by 30% within eight weeks.[3][4] With around 211 employees and $8.4 million in revenue, headquartered in Santiago, Chile (with operations in Mexico City), Colektia leads as the first AI-based debt collection firm in the region, enabling digital models that predict optimal contact timing, channels, and strategies.[1][2][3]
Colektia emerged in 2018 in Santiago, Chile, as Latin America's pioneering AI-driven debt collection company, addressing the region's outdated, manual recovery processes in financial services.[1][2][3] Founders tapped into growing fintech needs, leveraging machine learning and big data to automate collections amid rising digital adoption post-2010s economic shifts in LatAm.[4] Early traction came from integrating with tools like WhatsApp and CRMs, quickly gaining clients in banking and telecom; by 2025, it has scaled to 211 employees, backed by investors like Mountain Partners, and expanded operations to Mexico.[2][3]
Colektia rides the AI fintech wave in Latin America, where digital transformation meets high non-performing loan rates (often 5-10% in emerging markets), fueled by post-pandemic remote operations and regulations favoring ethical collections.[1][3][4] Timing aligns with WhatsApp's dominance (over 90% penetration in LatAm) and AI maturity, enabling scalable, low-friction recovery amid economic volatility like inflation in Brazil and Argentina.[4] It influences the ecosystem by setting standards for responsible AI in collections—prioritizing debtor experience and data ethics—while competitors like Receiv lag in full AI integration; this positions Colektia to capture a slice of the $10B+ global debt recovery market, accelerating fintech adoption for underserved institutions.[1][2][4]
Colektia is primed for expansion into more LatAm markets and adjacent sectors like e-commerce receivables, leveraging Colly's NLP evolution and deeper integrations with emerging payment rails.[3][4] Trends like generative AI and real-time data analytics will amplify its edge, potentially doubling recovery efficiencies as regulations tighten on consumer protections. Its influence may grow by inspiring AI-native fintech tools, solidifying its role as the go-to for digital debt recovery in a region hungry for tech-driven financial inclusion—echoing its origins as LatAm's AI collections pioneer.[2][4]
Colektia has raised $13.0M across 2 funding rounds. Most recently, it raised $9.0M Series B in December 2024.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Dec 1, 2024 | $9M Series B | — | Mouro Capital, NEVA SGR, United Ventures | Announced |
| Jan 1, 2021 | $4M Series A | Angel Ventures | 500 Startups Latam, Dalus Capital, Juan Martitegui, Devlabs, FEN Ventures, Kayyak Ventures, Mountain Nazca | Announced |