Best Alternative Lending Companies in Colombia
The 60 best Alternative Lending companies in Colombia in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Finaktiva.
Colombia's Alternative Lending sector has 60 tracked companies and $281M in disclosed funding — and if you're trying to find where that capital is actually concentrated, this directory ranks them by equity raised and recent momentum.
Finaktiva leads by a wide margin at $120M, more than four times the next cluster combined. Sempli sits at $24M, Rapicredit at $12M, and the rest of the field thins fast. That concentration tells you something: early movers locked in institutional backing while the broader market was still finding its footing. Globally, alternative lending is on a 14.4% CAGR trajectory, and Colombia's mix of underbanked SMEs and a growing gig economy keeps demand pressure real on both the business and consumer side. As recent analysis on the sector's bank-versus-fintech tension points out, partnerships are increasingly how lenders scale rather than compete head-on. And according to 2016 research, information asymmetry remains the core variable that separates platforms that price risk well from those that don't. With Techstars, 500 Global, and Endeavor among the most active backers here, the investor base skews toward operators who want traction, not just paper returns. So what does zero unicorns with $281M in the ground actually signal? Probably a market still in its scaling phase, worth watching closely this year.
Ranked: Best Alternative Lending companies in Colombia
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Finaktiva Provider of financial and technological solutions including credit and supply chain | $120M | 14 mo ago | 140 | Pablo Ramon Founder & CEO | ContentfulTypeScriptBootstrap+26 | Top 5M | — |
| 2 | Credivalores Consumer loans provider | $35M | 133 mo ago | 756 | David Seinjet Neirus Founder & CEO | DrupalPHPUbuntu+14 | Top 1M | — |
| 3 | Finkargo Online platform for purchase order financing | $28M | 32 mo ago | 80 | Andres Ferrer Co-Founder & Coo | WordPressMySQLPHP+28 | Top 5M | 2 expansions |
| 4 | Sempli Online lending platform for SMEs | $24M | 9 mo ago | 54 | Esteban Velasco CEO & Cofounder | TypeScriptNode.jsZone.js+20 | Top 5M | — |
| 5 | FinMaq Online lending platform for asset backed loans | $24M | 36 mo ago | 32 | Diego Sanz de Santamaria CEO | Tailwind CSSGSAPReact+10 | Top 50M | — |
| 6 | Rapicredit Online lending platform for payday loans. | $12M | 11 mo ago | 96 | — | WordPressMySQLPHP+36 | Top 50k | — |
| 7 | Mansa Online platform featuring DeFi lending | $10M | 16 mo ago | — | Mouloukou Sanoh Co-Founder & CEO | WebflowMicrosoft AdvertisingjQuery+11 | Top 10M | 1 award |
| 8 | Grupo R5 Online platform for consumer loans and car insurance | $7M | 32 mo ago | 91 | Pablo Armida Co-Founder | HubSpot CMS HubZohoIntercom+31 | Top 100k | 3 job openings |
| 9 | Koggi Online platform offering mortgage loan for residential purchases to consumers | $6M | 21 mo ago | 15 | Juan Diaz Co-Founder & CEO | Cart FunctionalityWordPressMySQL+20 | Top 10M | — |
| 10 | Mezubo Online marketplace for car title loans | $6M | 52 mo ago | 20 | Juan Pardo Co-Founder | — | — | — |
| 11 | Plataform Online lending marketplace offering invoice factoring | $3M | 28 mo ago | — | Felipe T Co-Founder & CEO | Google CloudtoastrNginx+11 | Top 50M | 1 job opening |
| 12 | Unergy Crowdfunding platform for solar projects | $2M | 31 mo ago | 37 | Nicolas Villegas Echavarria Co-Founder | Node.jsRadix UIVuetify+16 | Top 10M | — |
| 13 | Quipu Provider of app-based digital financial solutions | $1M | 5 mo ago | 42 | — | WordPress Block EditorElementorCart Functionality+33 | Top 500k | — |
| 14 | Mesfix Marketplace for selling unpaid invoices. | $1M | 104 mo ago | 46 | Felipe Tascon Ortiz Founder & CEO | Google CloudtoastrNginx+24 | Top 5M | — |
| 15 | Linxe Online lending platform for salary advance loans | $1M | 59 mo ago | 9 | Cesar Julio Cuevas Chief Financial Officer Founder | DrupalPHPUbuntu+16 | Top 5M | — |
| 16 | efinti Developer of a trade financing platform | $1M | 46 mo ago | 17 | Alejandra Gaviria Co-Founder | WordPressMySQLPHP+34 | Top 50M | — |
| 17 | Biocredit Lead generation platform | $200K | 24 mo ago | — | Oscar Giovanny Gutierrez Moreno Founder & CEO | WordPressMySQLPHP+20 | Top 5M | — |
| 18 | Mejores CDT Online platform for CDT comparison | $125K | 58 mo ago | 37 | Charlie Correa Ceo & Co-Founder | TypeScriptEnvoyBootstrap+21 | Top 1M | — |
Top 12 Alternative Lending companies in Colombia
#1
Series A · Medellin, Antioquia · founded 2016 · 140 employees$120.2Mraised▾
Provider of financial and technological solutions including credit and supply chain. The company offers services such as factoring, confirming, liquidity management, and centralized payments. It provides a platform for businesses to manage finances and optimize cash flow. The company’s offerings facilitate supply chain finance and financial management.
#2
Series B · Medellin, Antioquia · founded 2016 · 54 employees$23.7Mraised▾
Online lending platform for SMEs. It is a marketplace connecting borrowers with lenders for multiple business loan products including working capital loans, growth loans between, business credit lines, and more. It uses a proprietary scoring system to profile the businesses using multiple data points to reduce credit history and collateral requirements.
#3
Seed · Bogota, Bogota · founded 2013 · 96 employees$12Mraised▾
Rapicredit is an online lending platform offering payday loans. It offers loans for a tenure of 5 to 30 days. The interest rate charged by the company is 25% pa.
- Jul 2025Convertible Debt$5M
- Nov 2023Conventional Debt$7M
- Nov 2017Seed—
#4
Seed · cali, Valle del Cauca · founded 2019 · 42 employees$1.5Mraised▾
Provider of app-based digital financial solutions. It provides users with a platform for credits or finances raw materials for business with preferential rates. It also provides users with alternative credit profile management, payment management, and community management. Its app is available across Android and iOS platforms.
#5
Seed · Colombia · founded 2023$10Mraised▾
Online platform featuring DeFi lending. It allows users to earn interest by lending assets to venture-backed businesses in the markets through its yield DeFi lending solution.
- Feb 2025Seed$10M
#6
Seed · Bogota, Bogota · founded 2021 · 15 employees$6Mraised▾
Online platform offering mortgage loans for residential purchases to consumers. It offers home loans through its bank partners and other lending partners, and also partners with construction companies to facilitate home loans and financing to their customers. It process and disburses loans to consumer completely online through its platform.
- Sep 2024Seed$3M
- Apr 2024Seed$3M
#7
Series A · Bogota, Bogota · founded 2021 · 80 employees$27.5Mraised▾
Online platform for purchase order financing. It offers a solution that enables small and medium-sized businesses to obtain loans by using the purchase orders. Users must add the required details and apply for the loans. Once approved, the funds are transferred to the registered bank account.
#8
Series B · Bogota, Bogota · founded 2014 · 32 employees$23.5Mraised▾
Developer of a financial services platform intended to provide financing for productive assets. The company's platform offers a variety of features, including credit scoring, leasing, and rotating credit, enabling businesses in the health, construction, and industrial sectors to access the financing they need to grow and succeed.
#9
Series A · Bogota, Bogota · founded 2018 · 91 employees$7Mraised▾
Online platform for consumer loans and car insurance. It offers auto loans, and car title loans with loan amounts based on the vehicle condition and user income, loans can be used for various purposes including debt refinance, home renovation, emergencies, purchase of used vehicles, and more. It provides loans with multiple terms, interest rates, and loan amounts based on the user's profile.
- Oct 2023Conventional Debt—
- May 2022Series A$7M
- Apr 2020Seed—
#10
Seed · Bogota, Bogota · founded 2022$3Mraised▾
Online lending marketplace offering invoice factoring. It offers a platform that enables businesses to connect with financial institutions and get funded for different loans. Its products include crowd factoring which allows companies to access early payment of invoices receivable, bank factoring, and more.
- Feb 2024Seed$3M
#11
Seed · Medellin, Antioquia · founded 2018 · 37 employees$2.1Mraised▾
Developer of democratization of solar energy platform designed to generate, consume, and invest in clean energy in Latin America. The company's platform offers to participate in solar energy projects to be a part of the country's energy transition and track project performance in real-time, enabling clients to generate profitability by permitting anyone to invest in solar energy at a suitable cost.
#12
Series B · Bogota, Bogota · founded 2002 · 756 employees$35Mraised▾
Provider of non-bank consumer loans and insurance products in Colombia intended for addressing the low level of credit penetration. The company's focus lies in offering under-banked segments of the population access to consumer credit and microinsurance through structured loan products designed to minimize loan losses.
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.