Preventive collections
Reminders and agreements before the invoice or installment becomes delinquent. It's the cheapest thing you can do with a portfolio.
Debt collection agency in Guayaquil
FEXCOB operates from its own office in Edificio El Marqués, at Av. 9 de Octubre y Los Ríos, in the heart of the city's commercial and financial district. From there we handle portfolios for banks, credit unions, importers and trading companies in Guayas and along Ecuador's coast, with more than twenty years of operations in Ecuador and processes certified under ISO 37001 anti-bribery.
01 / Collections in Guayaquil
A port city portfolio is not a highlands portfolio
Guayaquil has a particularity we know well, and it changes how collections are managed.
A large share of commercial and import receivables
Payment cycles tied to foreign trade and the arrival of goods. A microcredit installment isn't collected the same way as a thirty-thousand-dollar invoice at ninety days.
A fabric of SMEs that calls for a different approach
In B2B portfolios, your counterpart is in the debtor's finance department. Balance reconciliation comes before pressure, and agreements backed by collateral when needed.
Our own office, with a team in the city
We're in Edificio El Marqués, at Av. 9 de Octubre y Los Ríos. We don't manage Guayaquil remotely from Quito.
Downtown, where the client is
Av. 9 de Octubre concentrates offices, banking and commerce. Visits to corporate debtors and reconciliation meetings get done without losing half a day in transit.
02 / Services in Guayaquil
Six fronts, one or all of them
You can hire each front separately or hand us full management of your portfolio. We also provide training and compliance for in-house teams.
Pre-legal collections
Contact, balance reconciliation and payment agreements without going to court. Faster and much cheaper than the legal route.
Legal collections
Lawsuits and precautionary measures when the debtor doesn't respond or when there are assets to secure before they're drained.
Asset tracing
Tracing of assets, financial flows and corporate structures before deciding whether it's worth suing.
Collections outsourcing
Your collections team as a service: people, technology and reporting, integrated into your company's operations.
Portfolio audit
An independent assessment of real collectability. It's what keeps you from working a portfolio that wouldn't have performed with anyone.
03 / Our office
Av. 9 de Octubre, Edificio El Marqués
Av. 9 de Octubre is Guayaquil's commercial and financial backbone: offices, banking and commerce along the same corridor. For a commercial portfolio, that matters: visits to corporate debtors and reconciliation meetings get done without losing half a day in transit.
We serve Guayaquil and the rest of Guayas—Samborondón, Durán, Daule, Milagro—and cover the coast. If your portfolio is spread between the highlands and the coast, we manage it from Guayaquil and Quito with a single point of contact.
And if you have debtors outside the country, we have our own operations in Bogotá and Lima. See also our coverage in Ecuador, Colombia and Peru.
AddressAv. 9 de Octubre y Los Ríos
Edificio El Marqués, 4th floor, office 2
Guayaquil, Guayas
04 / Who hires us
Three profiles in Guayas
A bank's portfolio, a credit union's and an importer's are not managed the same way.
Banks
High volume, strict traceability requirements and reputational risk. We've worked with financial institutions for more than twenty years.
Credit unions (savings and credit cooperatives)
Member portfolios, smaller amounts and a relationship that must be protected. Collections are designed not to break the bond with the member.
Importers, distributors and trading companies
Past-due invoices, B2B receivables and balance reconciliation with the debtor's finance department. A different counterpart, a different script.
05 / FAQ
What we're always asked
Ask another question ↗01Do you have a physical office in Guayaquil?
Yes. We're in Edificio El Marqués, Av. 9 de Octubre y Los Ríos, 4th floor, office 2. We don't work Guayaquil remotely from Quito: we have a team in the city.
02Do you collect commercial and importer receivables?
Yes, and it's one of the profiles we handle most in Guayaquil. B2B portfolios need a different approach from consumer ones: counterparts in the debtor's finance department, balance reconciliation and, when needed, negotiation of agreements backed by collateral.
03How is the service priced?
The usual arrangement is a commission on what is actually recovered, with the percentage adjusted to the age and type of the portfolio. We review the portfolio before proposing a fee structure.
04Do you serve areas outside Guayaquil?
Yes. We cover Guayas—Samborondón, Durán, Daule, Milagro—and the coast, and we coordinate with our Quito office for nationwide portfolios.
06 / CredentialsRankings and certifications
Trust and recognition across the region.
International rankings and certifications audited by independent third parties back every action we take on your portfolio.
01 · Paris · Annual ranking
Leaders League
Ranked Firm 2026A distinction awarded from Paris. Each year it ranks the top asset recovery firms in Latin America.
02 · International legal directory
Chambers and Partners
Top Ranked · Latin America 2026One of the most influential legal directories in the world. Its ranking is built by interviewing each firm's clients.
03 · Workplace culture
Great Place to Work
Certified · EcuadorInternational workplace culture certification. A stable team manages your portfolio better.
04 · Anti-bribery management system
ISO 37001
Certified · Anti-BriberyInternational anti-bribery standard, audited by an independent third party. Ethical, traceable management of every portfolio.
Next step
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Three countriesEcuador · Peru · Colombia