Factoring Servimos started in 1978 with an idea that was as simple as it was unusual for its time: helping small businesses secure quick liquidity without drowning in traditional banking red tape. Nearly half a century later, the company marks 48 years of continuous operations as the pioneer of invoice discounting in Colombia and one of the most stable figures in the domestic financial sector, pairing relief for growing businesses with a firm social commitment.
The story was initiated by Libia Villegas de Gutiérrez, an entrepreneur born in Aguadas, Caldas, who saw firsthand how dozens of viable companies failed not for a lack of clients, but for a lack of cash flow. In a business landscape where invoices took sixty to ninety days to clear and banks demanded overwhelming collateral, the firm built an agile financing path that reshaped the national business environment.
Financial Solutions Tailored to the Reality of SMEs
Over the decades, the Colombian market evolved, and the firm adjusted its lineup to match shifting business needs. What began strictly as a commercial invoice purchasing operation expanded over time to include corporate loans, microcredits, and payroll-deducted loans (libranzas) to support diverse sectors of the economy.
Yet, providing capital was never meant to be a standalone service. The company’s key distinction from traditional lenders has always been its hands-on approach with clients. Its team works directly alongside business owners to review their accounting health, administrative structures, and strategic direction, driven by a clear belief: capital only creates real development if a company learns how to sustain itself over time.
Art as a Way to Serve: Real Impact Through Cultural Support
There is a distinct trait in the organization’s history that sets it apart in the financial world: its deep-rooted dedication to the arts. For the firm, backing creative work has never been a year-end promotional campaign, but a core conviction passed down by its founder, who viewed cultural engagement as a direct way to serve society.
That pledge has translated into decades of ongoing financial support for essential venues and cultural projects across the nation:
Visual arts spaces: long-standing partnerships with the Bogota Museum of Modern Art and the Camarin del Carmen Foundation.
Literary and musical initiatives: sustained backing for the Silva Poetry House and the Opera of Colombia.
Nurturing new voices: sponsoring the National Unpublished Poetry Award alongside the Gloria Luz Gutiérrez Literary Salon to give emerging writers a national platform.
Concurrently, the Servimos Social Foundation has focused its efforts on vulnerable neighborhoods in Bogota—such as Santa Fe, Los Martires, and Puente Aranda—providing food security, education, and elder care programs.
A Family Vision Geared Toward the Future
Following the passing of its co-founder in early 2026, leadership passed to her children and grandchildren. The incoming generation steps into executive leadership with the goal of driving growth across modern digital channels while keeping intact the human warmth, service, and integrity that birthed the organization 48 years ago.
