Garnet is an International fintech holding. We position ourselves as an innovator in NPL management using Big Data and machine learning algorithms. 

We have been buying and collecting nonperforming loans since 2009. 
We operate in 13 markets: Spain, the Czech Republic, the UK (Garnet Invest UK Limited), the USA, Mexico, Argentina, Colombia, the Philippines, Vietnam, Sri Lanka, Kenya, Uzbekistan and Kazakhstan. The number of countries where we operate is expanding.

Our main differentiator from competitors is an extensive multi-cultural experience in NPL management in nine markets with proprietary scoring models enhanced by machine learning.

An essential task in positioning Garnet on the international market is the development of a solid and successful brand on the following market segments:
- Purchase of NPL portfolios;
- Third-party collection services;
- Consulting aimed to optimize partners’ collection strategy;
- Credit scoring with buyback guarantee;
- Lead generation;
- SaaS solutions for banks and e-commerce.

In Garnet, we combine all this using a data-driven approach and AI technologies to get intelligent solutions that help your business to grow.

Garnet Finance

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Garnet Finance

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