Non-Performing Loan Portfolios: Acquisition, Servicing & Recovery.
Garnet acquires, services and recovers non-performing loan portfolios across 15 markets — combining multicultural collection expertise with proprietary, machine-learning scoring models.
Four ways we unlock value from distressed portfolios.
An integrated platform spanning the full lifecycle of non-performing debt — from acquisition to recovery, advisory and risk transfer.
NPL Portfolio Acquisition
We purchase secured and unsecured loan portfolios from banks, financial institutions and telecom operators — providing immediate liquidity and a clean balance sheet at competitive valuations.
Third-Party Debt Collection
Multicultural collection conducted in line with the regulatory requirements of each jurisdiction. Local teams and 60+ partner agents operate under unified standards, governance and reporting.
Collection Strategy Consulting
We help partners redesign and optimize their in-house collection operations — segmentation, contact strategy and channel mix tuned by our data science team.
Credit Scoring + Buyback Guarantee
Proprietary ML scoring at origination, paired with a buyback guarantee available for certain transactions and clients, subject to the applicable terms — transferring downside risk and protecting partner portfolios.
Recovery, decided by data — not intuition.
Proprietary scoring models
Portfolio-level valuation and account-level prioritization, trained on millions of resolved cases across diverse economies.
Machine-learning recovery engine
Models predict propensity-to-pay and optimal contact strategy, continuously learning from outcomes in every market.
Multicultural collection intelligence
15 years of cross-border experience encoded into local strategies — language, regulation and behaviour, market by market.
A mixed-model recovery engine.
Every portfolio we buy or take on for servicing runs through the same process — data decides first, then we orchestrate recovery across our own teams and external agents.
Score & prioritize
The moment a portfolio is acquired or onboarded, our proprietary ML scoring ranks every case by its likelihood of recovery.
Route intelligently
Higher-value and legally complex cases go to our in-house recovery and legal teams; the rest is placed with external agents selected on strict performance criteria.
Orchestrate & optimize
We actively manage the mix between in-house departments and partner agencies — maximizing recovery speed and rate at the lowest cost.
Knowing which case to route where — and when. Orchestrating recovery masterfully across external agencies and our own in-house collection departments.
One platform. Fifteen markets. Four continents.
From Barcelona to Almaty — a single operating standard adapting to every local reality.
The people behind Garnet — operators and investors across cycles.
Talk to the team closest to you.
Offices across four continents, one operating standard. For portfolio sales and partnerships, write to the head office or use the form below.
Barcelona
SpainRambla de Catalunya 38, 8º 1ª, 08007 Barcelona
Mexico City
MexicoAvenida Insurgentes Sur, 1863
Pasig City
PhilippinesUnit 2316 Hanston BLDG., Ruby Road, Ortigas Center
Also operating in
Have a portfolio to sell or a book to recover?
Tell us about your assets. Our team will return an indicative valuation and recovery plan — confidentially.