What it sells
Credit for the emerging economy in Latam
Business model breakdown
Buyer: who owns the budget?
Individual Peruvian borrowers with a DNI, for motorbike payments, phones, small business, school fees.
Trigger: what makes them buy now?
Need for small instant loans without bank history; staircase loans start small to build credit record.
Workflow: what inputs become what output?
Register in 2 minutes with DNI, request loan in app, funds in minutes, repay; limit climbs from S/50 up to S/800 with on-time payments.
Economics: what it saves and how it charges
Interest and commission income on micro-loans; returns up to 50% of interest to punctual repeat borrowers; S/20 referral bonus; 1M+ loans claimed.
Distribution: how it reaches customers
Mobile app (Google Play 4.8), referral program, social media; SBS-registered.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Summer 2022 | — | 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.