# CobroFactor

CobroFactor is an other based in Chile.

## Overview

- **Organization type:** other
- **Headquarters:** Chile
- **Region:** Latin America
- **Assets under management:** Undisclosed
- **Website:** www.cobrofactor.cl
- **LinkedIn:** https://www.linkedin.com/company/cobrofactor

## Regulatory record

- **Reports private funds:** No

## About

CobroFactor es un producto de Servicios Financieros Factor Plus S.A., compañía con 10 años de experiencia en financiamiento a pymes. Ofrece una plataforma digital para externalizar la cobranza de facturas, permitiendo seguimiento en línea y operando bajo un modelo de éxito sin costo si no se recupera el pago. La firma está facultada para informar deudas en boletines comerciales y conecta sus sistemas al sistema financiero y burós de crédito.

## Sectors

- Factoring
- Debt Collection

## Questions

### How does CobroFactor charge for invoice collection?

The firm operates on a pure success-fee basis: clients pay nothing if the receivable is not recovered. The fee percentage depends on the invoice amount and the number of days the invoice is past due — for example, an invoice between CLP 1 million and CLP 5 million that is 91 to 180 days overdue carries a 9 percent fee. The updated fee table, published following the Ley 21.420 VAT change, also applies an across-the-board 10 percent reduction to its pre-VAT rates.

### What happens if CobroFactor cannot collect on an invoice?

After exhausting its escalation path — phone calls, field visits, and reporting to Chile's commercial credit bureaus — the firm provides a Certificate of Uncollectibility. This document allows the client to claim a tax write-off for the unpaid receivable under Chile's SII Circular 24, effectively converting a failed collection into a recognized tax deduction.

### How does CobroFactor's parent company factor into its operations?

Factor Plus S.A. provides working-capital factoring to small and medium-sized enterprises. CobroFactor extends that credit relationship into post-default collections, allowing the parent to offer a lifecycle service on receivables. The parent's membership in the Asociación de Empresas de Factoring A.G. (EFA) since 2013 places CobroFactor within a regulated trade-credit network.

### Which sectors of the Chilean economy does CobroFactor serve?

The firm is sector-agnostic and targets any small or medium-sized enterprise with unpaid business-to-business invoices. Its fee schedule is tiered purely by invoice size and delinquency age, with no stated sector exclusions or concentrations.

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Last updated: 2026-07-10T21:53:22.000Z

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