restart_alt Bought-Portfolio Copilot

Recover where
others gave up.

Cartera is the B2B SaaS copilot for companies that bought charged-off portfolios. Reopen dead conversations, offer real relief, and turn accounts written off as losses into actual cash — without the friction that scared off the first collector.

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Inherited portfolios

Intelligence for what others archived

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Reopens dead conversations
The account has 18 months of silence and the last message was a legal threat. The AI copilot returns with empathy, validates the debtor's moment, and proposes relief the previous collector never offered.
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Click-wrap for impossible deals
The debtor distrusts PDFs and signatures. One click, mobile page, direct payment via Wompi. Zero friction to close what others filed away.
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Inherited-portfolio scoring
Models that rank charged-off accounts by real reactivation probability. The AI tells you which one has a payment angle today, which needs a micro-discount, which to discard.
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Sovereign On-Premise
The portfolio runs on your own infrastructure. Sensitive original-debtor data never leaves your cloud — compliance without moving databases.

Turn charged-off debt into recovered cash flow.

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