Bank-grade collections for non-financial companies

Collect like a bank. Get out of the back of the line.

When a debtor’s cash gets tight, whoever has the data, the cadence and the consequence gets paid first — the bank. Your receivable comes last. Quitta puts that pipeline to work on your portfolio: plugged into your history — any ERP or system —, claim-by-claim prediction, out-of-court and judicial operation. We only earn above the floor frozen into the contract — or we buy the portfolio: stock and recurring flow.

Request a free diagnostic Free diagnostic
PORTFOLIO DIAGNOSTIC — EXAMPLE SIMULATION
CLAIMVINTAGEQUITTA SCOREVERDICT
DPL-0441234d
82
SETTLED
DPL-0441358d
91
QUITADO
DPL-0441896d
47
JUDICIAL
DPL-0442172d
66
NEGOTIATING
DPL-0442741d
88
QUITADO
PORTFOLIO WITH A VERDICT AND A ROUTE — CLAIM BY CLAIM
0%
What each contract actually pays for

A fee on what is already yours, or only on what you wouldn’t have?

Traditional collections charge a fee on everything that comes in — including what your own operation would recover anyway. Quitta is only paid on the increment above the floor.

Traditional operation

% of everything that comes in

You pay a fee even on what you would recover on your own. The collector’s effort converges on the easy debt — the hard cases don’t pay off.

The Quitta model

Frozen floor + fee on the increment

— floor in the contract

The floor is your audited baseline, frozen into the contract. Below it, Quitta earns nothing. Our only revenue comes from what the current operation would not recover.

What each contract pays for — traditional versus Quitta
  Traditional collections The Quitta model
What it pays for Gross collections — includes what would come in anyway Only the increment above the floor
Effort converges on The debt that is easy to collect The hard case — that is where the revenue is born
Performance risk The creditor’s Shared on the Soft Floor; Quitta’s on the Guaranteed Floor and on purchase
How it is measured The collector’s own reporting Increment proven against a control group inside the same portfolio
Integrations

We plug into the system you already use. No integration project.

The operation starts with a standardized export of your history — invoices, settlements, promises, breaks. An API only when it makes sense, never as a prerequisite.

B2B receivables
Neofin Dunning Receiv Kobana iRecebi Conexa Asaas iugu Superlógica SuperCobra (InfinitePay) Cobre Fácil Vindi Galax Pay Avisa App + any platform
Collection CRMs
Cobmais CobCloud Siscobra Gescob Virtua Software Intersic REVO360 Recuperador CRM Collecta Assertiva Recupere + any CRM
ERPs & management systems
any of them — via a standardized export

TRADEMARKS BELONG TO THEIR RESPECTIVE OWNERS AND INDICATE DATA COMPATIBILITY, NOT PARTNERSHIP OR ENDORSEMENT.

Why we can sign a floor

Enrich the data, predict the behaviour, act at the exact moment.

Signing a floor requires knowing, before the first contact, who can pay, how much and when. That is what the pipeline answers — claim by claim.

1

Portfolio ingestion

A standardized export from your ERP or CRM — claims, settlements, promises, breaks. No integration project.

INPUT: THE DATA
2

Full enrichment

Full bureau files, registry, court and open finance data: capacity and propensity assessed debtor by debtor.

OUTPUT: A SCORE PER CLAIM
3

Predictive cadence

Models set the channel, tone, timing and offer for every claim. Intelligent in deciding, human in negotiating.

DECISION: CLAIM BY CLAIM
4

Agents in action

Messages and calls run by AI agents, calibrated by the model. The settlement closes in the channel, paid by Pix.

CLOSE: SETTLEMENT + PIX
Data and enrichment partners

Four external layers. One verdict per claim.

CREDIT AND NEGATIVE RECORDS

Who owes, to whom and for how long

Negative records, protests, scores and payment behaviour across individuals and companies — the full credit picture before any strategy is set.

Serasa Experian · BoaVista SCPC
IDENTITY AND LOCATION

The right contact before the first outreach

Valid phone numbers and addresses, corporate ties and registry qualification, debtor by debtor.

Assertiva · Direct Data
OPEN FINANCE

The minute the money arrives

With consent, the bank statement in real time: effective income, its recurrence and the exact moment of payment capacity.

Klavi
COURT AND PUBLIC RECORDS

What sustains the judicial track at scale

Lawsuits, wealth signals and automated docket capture — before filing and after filing.

Escavador · Jus IA · Oystr
+ Quitta’s proprietary dataset and agentic search — every settlement, kept promise and recorded break from our own operation feeds the model; web search agents sweep the debtor’s public signals: active operations, shareholders, assets, litigation. The asset no bureau sells.
The open finance trigger

The money arrives. So does the proposal.

It is not just knowing who can pay. It is knowing when they can. With the debtor’s consent, the credit event fires the cadence — and the settlement closes over Pix, in the same conversation.

  • Incoming funds detected in real time — salary, tax refund, transfer
  • A proposal calibrated to the amount available, not to a days-past-due ladder
  • Automatic Pix inside the conversation: settlement closed in minutes
  • Always under consent, LGPD and the Central Bank’s Open Finance rules

ILLUSTRATIVE CONVERSATION · OPEN FINANCE DATA ONLY WITH THE HOLDER’S CONSENT · LGPD / CENTRAL BANK OF BRAZIL · TRADEMARKS BELONG TO THEIR OWNERS AND INDICATE DATA SOURCES, NOT PARTNERSHIP OR ENDORSEMENT.

How it works

First we prove the potential. Then we put our result at risk.

The diagnostic opens a complete recovery operation — from portfolio audit through contract.

1

Free diagnostic

We receive a standardized export from your ERP or billing system under NDA — any system — and, within five business days, return a read of its recovery potential.

DELIVERABLE: INITIAL READ
2

Frozen baseline

We audit recovery by bucket, vintage, channel and cost — and freeze the current operation's result into the contract. The increment is measured against that number.

DELIVERABLE: BASELINE IN CONTRACT
3

Claim-level prediction

We combine bureaus, proprietary data, behaviour and agentic search to estimate capacity, propensity and recoverability.

DELIVERABLE: PREDICTED VS. CURRENT
4

Simultaneous strategy

Every claim leaves with an out-of-court and judicial route defined. The operation starts with both tracks planned.

DELIVERABLE: RECOVERY PLAN
5

Risk-aligned proposal

Soft Floor, Guaranteed Floor or an acquisition offer. Part of the portfolio stays with your current operation as a control group: you only pay for what is provably incremental.

DELIVERABLE: MODEL + CONTRACT
Two contracting routes

In both models, the risk no longer sits with you alone.

The diagnostic determines the right economic structure for the portfolio. We do not sell licenses: we contract for recovery or buy the asset. Each structure is an answer to the question that matters — what happens if recovery comes in below the floor?

Model A · A floor frozen into the contract

  • The floor is your frozen baseline: what your operation recovers today, audited in the diagnostic and written into the contract
  • We are only paid above the floor — below it Quitta earns nothing, and the increment is measured against a control group inside the same portfolio
  • Two intensities: Soft Floor — below the floor, you pay Quitta nothing — or Guaranteed Floor — if recovery comes in below it, the difference comes out of our result, not yours
  • Quitta operates the stock and, where relevant, the recurring flow of new maturities
  • Out-of-court and judicial execution powered by the same intelligence

Model B · Portfolio acquisition

  • Partial or full purchase of receivables, subject to eligibility and due diligence
  • Price derived from your actual history — the observed recovery curve, not a market estimate
  • Stock and, where it makes sense, recurring flow: forward purchase of new vintages
  • Recovery risk for the acquired claims transfers to Quitta
ALWAYS THE FINAL STRUCTURE DEPENDS ON THE DIAGNOSTIC AND PORTFOLIO ELIGIBILITY
Illustrative model

The same portfolio, across the four scenarios.

A simulation over a reference portfolio of R$ 1 million outstanding, with the current operation recovering 30% in twelve months. What changes between the columns is not the volume: it is the nature of the commitment, and who carries the risk when the result does not come.

Simulation Reference portfolio of R$ 1M · illustrative 30% baseline · does not represent an actual client result
Structural comparison — portfolio of R$ 1,000,000 outstanding, 12-month window
  Current operation Soft Floor Guaranteed Floor · eligible Portfolio purchase
Volume R$ 300k — observed result R$ 300k — floor in the contract R$ 300k — floor covered R$ 300k — minimum price
Nature Your operation’s baseline A compensation barrier A floor with the difference covered A purchase price in the contract
If it comes in below the floor You absorb it — that is what happens today You pay Quitta nothing Quitta covers the difference Not applicable — portfolio sold
Above the floor Stays with you A success fee only on the increment A success fee only on the increment Quitta’s — the risk is hers
When the cash arrives Across the 12 months, as it recovers Across the 12 months, as it recovers As it recovers, with the difference settled at the end of the window On a contractual schedule, independent of recovery
Quitta’s compensation Not applicable A per-portfolio success fee, only above the floor A per-portfolio success fee, only above the floor Built into the purchase price
Asset on the balance sheet Remains Remains Remains Zero — asset written off
Who carries the risk You Shared Quitta Quitta
Eligibility — Every diagnosed portfolio Defined after the diagnostic Subject to due diligence

The four columns compare the same volume over the same base. The floor is not our projection: it is your current operation’s result, audited and frozen into the contract. Quitta’s compensation is set portfolio by portfolio after the diagnostic and applies only to what clears that floor.

The instruments

Not more lawsuits, not more calls. Better choices.

Three instruments, from day one — and the model decides, claim by claim. No claim waits for the amicable route to fail before it starts moving.

01 · Out-of-court

Negotiate

  • Omnichannel negotiation by AI agents — tone, channel and timing set by the behavioural model
  • Settlements and installment plans calibrated to real payment capacity
  • Settled by Pix inside the conversation
02 · Notary protest — individuals and companies

Pressure

  • Underused across the industry — an effect out of proportion to its cost, for individual and corporate debtors alike
  • Restricts credit immediately, with no litigation and no waiting for a lawsuit
  • A good share of settlements close before the protest is even recorded
03 · Judicial

Enforce

  • AI-drafted pleadings: the marginal cost of filing tends to zero
  • Claim aggregation per debtor (Brazilian CPC art. 780) to clear the viability threshold
  • Dockets and wealth signals monitored continuously — before and after filing

The economics of enforcement

What decides a filing is not the amount in dispute.

Real cost

With automation, the cost of enforcing comes down, in practice, to the court filing fees — R$ 200 to R$ 500 per lawsuit. The legal work is no longer the expense.

Criterion

The question is not cost versus the amount in dispute — it is whether the debtor can pay, or has assets to commit. Enrichment answers that before filing.

Payback

The filing fees go into the total settlement amount and come back with the principal. What used to make the small claim unviable no longer exists.

ALWAYS ALL THREE INSTRUMENTS PLANNED FROM DAY ONE — THE MODEL DECIDES, CLAIM BY CLAIM
Commitment 01
Free diagnostic, with a frozen baseline of your current operation
Commitment 02
Increment measured against a control group — you only pay for it
Commitment 03
A proposal covering both your stock and the coming months’ flow
The fourth instrument · credit

The debt becomes cash on the spot.

We search the market for the credit that settles the debt — and you are paid upfront. The risk leaves the portfolio; the cash arrives the same day.

1

Identify

Enrichment reveals payroll-deductible margin, FGTS balance or collateral — before any offer is made.

INPUT: REAL CAPACITY
2

Convert

The debtor takes credit cheaper than the debt and settles the agreement in full, in a single move.

OUTPUT: DEBT SETTLED
3

Transfer

The financial institution pays you upfront. The credit risk leaves your portfolio the same day.

CLOSE: CASH SAME DAY
Payroll loans · public and private
Banco Pan BMG C6 Consignado Daycoval Facta Agibank PagBank + 70 licensed institutions
FGTS anniversary withdrawal
meutudo PicPay Mercado Pago Bari
Secured lending
Creditas CashMe Omni BV
Digital and market
RecargaPay SuperSim Zippi Crefaz Pluggy · open finance
Corporate debtors · B2B
receivables prepayment credit secured by receivables
ALWAYS A SETTLEMENT IS AVAILABLE WITHOUT CREDIT — THE AGENT INFORMS, NEVER PRESSURES

ORIGINATION BY LICENSED FINANCIAL INSTITUTIONS, ACTING AS A CORRESPONDENT (BRAZILIAN CMN RESOLUTION 4,935): COMPENSATION COMES FROM THE INSTITUTION, NEVER FROM THE DEBTOR. COMPLIANT WITH THE CONSUMER CODE AND LAW 14,181/2021. TRADEMARKS BELONG TO THEIR OWNERS AND INDICATE CREDIT LINES RESEARCHED IN THE MARKET, NOT PARTNERSHIP OR ENDORSEMENT.

A model for sector partners

Represent a BPO, a network or an association? Bring the diagnostic to your base.

Finance BPOs, accounting firms, associations and platforms with recurring access to creditor companies bring the Quitta diagnostic to their own clients — with the approach, diligence and base agreement structured together. Each creditor decides on its own portfolio.

See the partner model (in Portuguese)
Frequently asked questions

What creditors ask before sending a portfolio.

How much does the diagnostic cost?

Nothing. You hand over a standardized export of your data under NDA and, within five business days, receive your operation’s audited baseline and the claim-by-claim prediction. No exclusivity during analysis — and if the diagnostic shows no room above your current result, there is no proposal to make.

What happens if recovery comes in below the floor?

It depends on the intensity you contract. On the Soft Floor, you pay Quitta nothing. On the Guaranteed Floor, the difference comes out of our result, not yours. In both structures, compensation applies only to what clears the floor.

How do I know the result is Quitta’s, and not my own operation’s?

Part of the portfolio stays with your current operation as a control group, and the increment is measured against it — same portfolio, same period. You only pay for what is provably incremental.

Who pays the court fees?

Filing fees — R$ 200 to R$ 500 per lawsuit — go into the total settlement amount and come back with the principal. Who fronts them is set in the contract, portfolio by portfolio. And the filing criterion is not the amount in dispute: it is whether the debtor can pay, or has assets to commit.

How will my customers be treated during collection?

The cadence sets tone, channel and timing per debtor, and every conversation is steered toward a settlement — paid by Pix and, where credit cheaper than the debt exists, the alternative is informed, never pushed. Preserving your commercial relationship is a requirement of the operation: we also run the coming months’ flow, and a mistreated customer does not pay the next invoice.

Do I need to switch systems or build an integration?

No. The operation starts with a standardized export from your ERP, CRM or billing system — any of them. An API only when it makes sense, never as a prerequisite.

Is there a minimum portfolio size?

There is no fixed cutoff — the diagnostic answers whether the economics work. The structure adjusts to size: smaller portfolios tend toward the Soft Floor; larger ones open the Guaranteed Floor and a purchase offer.

Can I share my portfolio data without breaching the LGPD?

Yes. Collecting your own receivables is a regular exercise of rights under Brazilian law, the data is handed over under NDA with a data processing agreement, and open finance data only enters with the holder’s consent, under the Central Bank’s rules.

Start with the diagnostic

One portfolio. Five business days. An answer with numbers.

You receive your operation’s baseline, the claim-by-claim prediction and a clear recommendation: Soft Floor, Guaranteed Floor or an acquisition offer — stock and flow. And if the diagnostic shows no room above your current result, there is no proposal to make — we say so with the numbers on the table.

FREE OF CHARGE · NO EXCLUSIVITY DURING ANALYSIS · STANDARD NDA