About Us

Product Portfolio

We focus on consumer lending through a diversified platform comprised of three main products/lines of business:

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Credipóliza

Insurance premium financing in monthly installments to individuals and companies for insurance policies through a flexible scheme, where the insurance company receives 100% payment of the policy upfront and the client defers the payment, is allowed to.

Managed portfolio contribution: 8.1%
Collection Channel: Credivalores is entitled to a refund of the insurance policy premium if the client ceases payments.

Crediuno

A branded credit card offered at the mayor retailers in Colombia, that is collected through public utility companies. Payments due are invoiced as part of the client’s public utility bill, which creates a sense of priority for payment over any other consumer loan.

Managed portfolio contribution: 38.9%
Collection Channel: Installmet included and collected by public utility or mobile telephone companies on their bills.

Tucrédito

Payroll loans, mainly to public service employees and pensioners. Payments on payroll loans are collected directly from employers before any wages are paid to clients, pursuant to clients irrevocable instructions. In addition, the majority of the portfolio is comprised of public sector employees and pensioners, who have low turnover rates and steady revenues, thus mitigating collection and non-payment risk.

Managed portfolio contribution: 52.0%
Collection Channel: Discount from employye payroll or national goverment pension payments.

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