What it sells
Point of sale financing for Latin America's middle class.
Business model breakdown
Buyer: who owns the budget?
Peruvian consumers taking small online loans, and e-commerce merchants offering aCuotaz installment checkout.
Trigger: what makes them buy now?
Urgent cash needs (customer testimonials); merchants want higher conversion and larger orders.
Workflow: what inputs become what output?
Complete online form, provide DNI and bank account, get instant pre-approval and funds in as little as 29 minutes, repay in 1-8 installments; merchants add aCuotaz financing at checkout.
Economics: what it saves and how it charges
Interest income on consumer loans (homepage calculator shows TCEA 1000%) and merchant-side point-of-sale financing; regulated by SBS resolution 04852-2019 (Tecno Creditos S.A.C.).
Distribution: how it reaches customers
Direct online application plus merchant POS/ecommerce integration (aCuotaz).
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Summer 2019 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.