Javier Palencia

Refinancia S.A.

We purchase and service consumer and mortgage Non Performing Loans (NPLs). NPL pools are valued packaged and offered to sophisticated investors. We became the local pioneers as buyers of bad debt in Colombia, in time banks started to follow a trend of selling NPL portfolios recurrently. As time passes, we have focused in developing a very solid loan servicing company based on analytical capabilities that allow adequate prediction of credit recovery. In addition to offering financial solutions to individuals with bad credit history, our business is also about offering alternative investment products to institutional and private wealth investors seeking attractive returns.