Fintech Ecosystem Map: Colombia

Digital crowdfunding platform (debt and equity crowdfunding) for SMEs, administered by the Colombian Stock Exchange (BVC) and authorized by the SFC.

Financial-inclusion fintech for migrant, returnee and unbanked populations in Colombia. Digital wallet with physical and virtual VISA debit card, payment gateway (AAvancePay) and international…

Ábaco Latam

Seed

Colombian-Spanish B2B alternative credit-scoring fintech for bottom-of-the-pyramid populations and gig-platform workers. Provides financial institutions a risk engine powered by gig-app and…

SME lending fintech (working capital and factoring). Focused on companies with sales >COP 500M and a minimum 5-year track record, typically underserved by traditional banks.

Automated clearing house and low-value interbank payments infrastructure in Colombia. Operates PSE (Secure Online Payments), the interbank ACH network and the SOI platform for social-security…

Addi

Series C

Leading commerce and credit platform for BNPL (Buy Now Pay Later) in Colombia. Offers installment-payment solutions for consumers and acquiring/marketplace services for merchants, with >3M customers…

B2B2C earned-wage-access platform (payroll advance) for employees of affiliated companies. No interest or debt: employees access already-worked days before payday. Commercial brand 'Advance -…

Aflore

Series A

Financial-inclusion fintech that distributes loans and insurance products to unbanked populations in Colombia through a network of 'Informal Advisors' (trusted advisors in local communities).

Sales-acceleration SaaS for insurance intermediaries (brokers, agents). Automates quoting, CRM and commercial management across auto, home and life lines.

Agrapp

Seed

Agricultural crowdfunding fintech that connects small and medium Colombian farmers with investors to finance inputs, agronomic labor and crop maintenance.

AgriCapital

Series A

Productive-credit fintech for small Colombian farmers. Grants agricultural and store-credit loans through a network of ~1,000 partner farm-input stores, with installments aligned to harvest cycles.

Colombian agricultural crowdfunding platform connecting individual investors with small rural producers (focus on female heads of household and vulnerable youth) to finance productive projects.

Colombian AI-powered financial CRM and portfolio-management fintech. Automates the full credit cycle (origination to recovery) and omnichannel collections (WhatsApp, SMS, email, voice) for…

B2B SaaS platform for enterprise financial analytics and intelligence. Connects to the company's ERP/accounting and generates an automated dashboard of financial statements, cash flow, profitability,…

Fintech/crypto operating digital USD accounts and issuing its own stablecoins (AKDD for USD, EURK for EUR), 100% cash-backed and audited monthly. Offers B2B services (multi-currency infrastructure…

Colombian provider of Front/Middle/Back-office software for the securities and portfolio-management market. Its A2 suite includes Brokers, Funds, Invest and Account modules and the OyD (Operation and…

Alegra

Crowdfunding

Cloud SaaS business-management ecosystem for SMEs and accountants in Latin America and other emerging markets. Integrates accounting, electronic invoicing (DIAN-authorized in Colombia), POS and…

Fully digital payroll-deduction (libranza) lending fintech, focused on low-amount loans (COP 150,000-2,500,000, 1-12 month terms) to private-sector employees, including those with negative…

Fully online fast personal-loan platform with no co-signer or paperwork, operated in Colombia by the local subsidiary of the Libgot Fintech group (which also operates in Argentina).

Credit-risk mitigation solution for financial intermediaries focused on productive credit. Uses blockchain as infrastructure for issuing, collecting and paying guarantees via smart contracts, with…

Software development and cloud-services company (cloud-native, application modernization, delegated IT management) present in CO, PA, IT and ES. Microsoft Gold partner in Cloud Platform and Silver in…

Approbe

Seed

Peer-to-peer (P2P) lending platform connecting credit applicants with lenders, leveraging payment gateways and corporate clients for alternative scoring and distribution. Also offers origination via…

aptuno

Seed

Residential-rental proptech: marketplace connecting landlords and tenants, eliminating the guarantor/co-signer requirement and digitizing property management. Focus on housing for the young middle…

Fintech platform for group 'vacas' (social crowdfunding among friends/community), digital piggy banks and a payment gateway. Use cases: collecting for parties, weddings, gifts, social causes and…

Authorized operator of the Integrated Contributions Settlement Form (PILA) in Colombia. Lets employers, independents and contributors settle and pay online their contributions to the General Social…

Low-amount productive-asset lending fintech, with an initial focus on motorcycles. Uses technology and alternative data to assess the risk of low-income customers. Offers credit bundled with all-risk…

Avanzo

Seed

B2B2C financial-wellness platform: partners with companies so their employees can access a digital revolving-credit line repaid via payroll deduction (libranza). Includes a financial-education…

Payroll-deduction (libranza) lending fintech focused on low-income pensioners and public servants in Colombia. Digital, paperless origination (90%) with 100% online disbursements. Certified B Corp,…

Digital factoring and integrated confirming fintech built on electronic invoicing. Buys invoices from suppliers and disburses in 2-3 hours, leveraging Grupo Cadena's connection to thousands of…

Identity-cybersecurity company focused on mass authentication and protection against identity theft in internet transactions. Solution with 10+ years of deployment in corporate banking for fraud…

Online accounting service for startups and SMEs in Latin America: combines a proprietary technology platform with human accountants/advisors to deliver specialized accounting, tax advisory, payroll…

Credit-establishment bank supervised by the SFC, with a digital offering oriented to the financial inclusion of individuals and micro-entrepreneurs. Products: payroll-deduction loans (focus on…

Colombia's first microfinance bank, supervised by the SFC. Focused exclusively on assisting micro-entrepreneurs (men and women) in vulnerable conditions through a specialized microfinance…

Fintech originally created to provide working capital, credit and invoice-discounting services to micro and small businesses in Colombia's fashion cluster (Tejicap, Texcap, Transformada, Faktormoda…

Payroll-deduction (libranza) lending corporation focused on public employees, pensioners and members of the Military Forces and National Police. Products: free-investment loans and portfolio buyout,…

Colombian electronic payment gateway operated by BeMovil SAS, commercial brand Bepay. Services oriented to digitizing payment acceptance for small entrepreneurs and corporations (mobile payments,…

Betriax

Pre-seed

Digital P2P foreign-exchange marketplace for SMEs and individuals in Latin America and Spain. Connects buyers and sellers of USD/other currencies at an exchange rate agreed by the participants…

Free electronic-invoicing and e-factoring platform for micro, small and medium-sized companies in Colombia. DIAN-authorized technology provider since 2019. Lets companies issue electronic invoices…

Japanese-origin crypto-asset exchange (regional subsidiary of Remixpoint Inc., listed on the Tokyo Stock Exchange) operating in Colombia and other LatAm countries. Enables buying/selling of bitcoin…

Digital B2B2C platform for employee benefits, incentives, wellness, and recognition. Acts as a technology intermediary: delivers virtual consumption allowances (non-redeemable for cash) and…

First Collaborative Financing Company (SOFICO) supervised by the Financial Superintendence of Colombia, authorized through SFC Resolution 1821 of 2022. Debt crowdfunding platform for investment in…

Bold

Series C

Colombian paytech offering mobile POS terminals with integrated printer and app, an online payment gateway, QR codes, and a digital account for merchants. More than 330,000 active merchants in…

Colombian one-stop-shop proptech: a digital platform for buying, selling, and renting new and pre-owned properties, featuring 360° virtual tours, digital contract signing, deposit management, and…

BUSQO

Seed

Digital insurance agency (broker) enabling users to quote and compare comprehensive insurance policies online for cars, motorcycles, home, credit protection, and health, with free telephone advisory.…

Colombian technology platform enabling merchants and entrepreneurs to accept electronic payments: physical POS terminal, shareable payment links via WhatsApp/social media/email, and Cajero QR.…

First independent information portal on the Collective Investment Fund (FIC) industry in Colombia. Tracks more than 350 funds daily with over USD 21 billion under management. Neither a fund manager…

Castia

Seed

Colombian proptech/fintech platform for tenants: enables monthly rent payments (credit card, bank transfer, or cash) while accumulating 1% in 'Bricks' (internal currency redeemable with partner…

Credit fintech financing smartphones (Samsung, Motorola, Infinix, Honor, Tecno, Realme, Oppo, Xiaomi, Vivo, Nokia) with 70–100% financing and weekly/biweekly payments. Fully online process with…

Colombian blockchain-based digital certification fintech. Issues, secures, and verifies digital badges, certificates, documents, and ID cards for universities, online learning platforms, legal/audit…

Digital real estate marketplace/portal of Grupo Bolívar (parent of Davivienda, Seguros Bolívar, and Constructora Bolívar). Full-service ecosystem for buying, renting, and selling properties with…