About us

At Circular Factoring, we connect liquidity and profitability through agile, transparent solutions aligned with the circular economy.

We work with clear, auditable processes focused on trust and progress.

WE BUILD RELATIONSHIPS
THAT MOVE BUSINESSES

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Circular Factoring was built on a simple idea: when a business has clarity, it operates better. That’s why we build relationships grounded in transparency, traceability, and hands-on guidance—paying attention to every detail so financial decisions are made with confidence.

OUR ESSENCE

THE EVOLUTION OF FACTORING IN COLOMBIA

FACTORING HAS EVOLVED ALONGSIDE THE MARKET:

Today, factoring in Colombia operates under a structured model driven by regulatory advances and digitalization - enabling faster, more transparent transactions.

Before 2000

INFORMAL BEGINNINGS:

  • Factoring in Colombia was carried out informally, mainly through private agreements between companies.
  • There was no specific regulation for this activity.

REGULATION AND FORMALIZATION:

  • Interest in formalizing factoring grows due to the increase in financial transactions between companies.
  • Some financial institutions begin offering structured factoring products.

A DEFINED LEGAL FRAMEWORK:

  • Law 1231 of 2008: Clear rules are established for negotiating invoices as negotiable instruments.
  • Commercial invoices become enforceable instruments, making them easier to sell and collect.
  • Factoring begins to consolidate as a trusted financial tool.

DIGITALIZATION AND SCALE:

  • Electronic factoring: The use of e-invoicing streamlines sales and collection processes.
  • Financial institutions and fintechs begin offering digital factoring solutions.
  • Factoring grows among SMEs and emerging businesses.

CONSOLIDATION AND DIVERSIFICATION:

  • Factoring usage increases significantly due to the pandemic and the need for fast liquidity.
  • Circular Factoring emerges as an agile, secure alternative tailored to the market’s new needs.
  • Ongoing regulation and advances in digital platforms enable faster, more transparent management.

JUAN PABLO CASTRO

CEO & FOUNDER

Business Administrator with a postgraduate degree in Senior Management (National University of Colombia). He has more than 20 years of experience in Colombia’s financial sector, focused on financial and commercial management.


For 17 years, he held executive roles at institutions such as BBVA, Helm Bank, Corpbanca, and Itaú, leading commercial teams and strategies focused on efficiency and compliance.


In recent years, he specialized in factoring, building a comprehensive view of the business that gave rise to Circular Factoring: a company created to deliver agile, reliable solutions tailored to the needs of Colombian businesses.

JUAN PABLO LONDOÑO

ADMINISTRATIVE & FINANCE DIRECTOR

Business Administrator (UPB), with postgraduate studies in finance and capital markets marketing. 26 years of experience in the financial sector.

ANDREA OSORIO

ADMINISTRATIVE ASSISTANT

Professional in Public Administration and certified in administrative assistance. 10 years of experience in administrative roles.

JOSÉ IGNACIO BLANCO

SALES

Business Administrator specialized in Financial Management. 27 years of experience in the financial sector, with a track record in commercial areas, transaction structuring, and risk management.

MANUELA GUEVARA

SALES

Bachelor’s degree in Industrial Relations, with postgraduate studies in finance and international business. 15 years of experience in sales.

OUR TEAM

A team with administrative, financial, and commercial experience - ready to support you with clarity and close guidance.

COMPANIES THAT

HAVE TRUSTED US

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At Circular Factoring, we believe in relationships built on clarity, transparency, and trust. If you’d like to get to know us more closely, let’s talk.

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