卖什么
Point of sale financing for Latin America's middle class.
商业模式拆解
买家：谁掌握预算？
Peruvian consumers taking small online loans, and e-commerce merchants offering aCuotaz installment checkout.
触发点：什么让他们现在购买？
Urgent cash needs (customer testimonials); merchants want higher conversion and larger orders.
工作流：什么输入变成什么输出？
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.
经济账：省了什么，怎么收费？
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.).
渠道：怎么接触到客户？
Direct online application plus merchant POS/ecommerce integration (aCuotaz).
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2019 夏季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.