Destacame is a Chilean digital platform that helps consumers identify and settle delinquent debts by negotiating discount offers—often up to 95% off—and providing a 24/7 virtual assistant, Sofi, for personalized payment planning and reminders. After debt clearance, the service cleans users' commercial reports, builds a positive credit history, and offers access to micro‑loans and other financial products up to $400,000 through partnered lenders.
Funding
$10M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
1OSXFounders
Product
Problem
Many consumers in Chile have overdue debts that are reported to credit bureaus, limiting their ability to obtain new credit and causing financial stress. Accessing affordable repayment options and rebuilding a positive credit history is difficult without personalized guidance and reliable discount offers.
Solution
Destacame offers a digital platform that helps users identify, negotiate, and pay off their delinquent debts using curated discount offers from financial institutions. The service provides a 24/7 virtual financial assistant, Sofi, to guide users through debt consolidation, payment planning, and credit‑building activities. By consolidating debt information, securing up to 95 % discount on repayments, and facilitating timely payments, Destacame cleans users’ commercial reports and generates a positive payment history. After debt settlement, users can access micro‑loans of up to $400 000 and other financial products through partnered lenders, all managed within the same platform.
Target Audience
Individuals in Chile with reported overdue debts who seek affordable repayment options and want to restore their credit eligibility, as well as small businesses looking to provide financial wellness benefits to employees.
Features
- Automated retrieval and simplification of commercial debt reports and CMF debt statements.
- Negotiated discount offers on delinquent debts, with up to 95 % reduction for many users.
- Personalized debt‑payment plans and reminders delivered via the Sofi virtual assistant (WhatsApp/Chat).
- Credit‑building module that records on‑time payments and shares positive behavior with the Cámara de Comercio de Santiago.
- Access to micro‑loans and prepaid cards up to $400 000 after debt clearance.
- Integrated marketplace to compare and apply for credit cards, loans, and other financial products from partner institutions.
- Weekly downloadable debt certificates and educational content to improve financial literacy.