卖什么
Enabling consumers split the cost of purchases without a credit card
商业模式拆解
买家：谁掌握预算？
Merchants in furniture, dental clinics, mobility/motorcycles, construction, appliances and music instruments (affiliate stores) and their consumers.
触发点：什么让他们现在购买？
未核实Merchants wanting higher ticket and conversion; consumers without credit cards wanting installments.
工作流：什么输入变成什么输出？
Consumer picks an affiliated merchant, applies for credit in minutes, takes the purchase and pays biweekly or monthly; merchant receives full payment without chargebacks or credit risk.
经济账：省了什么，怎么收费？
Consumer credit up to MXN 200,000 over up to 24 months; merchants join with no affiliation fee and claim +30% average ticket; revenue presumably from financing and merchant discounts (not stated).
渠道：怎么接触到客户？
Merchant onboarding via affiliation form then team contact; vertical industry pages; consumers via "where to buy" catalog.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2021 冬季 | — | 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.