What Mattilda does

Mattilda is a Mexico-based fintech and EdTech company founded in 2022 that operates a regulated financial and operational platform targeting private schools across Latin America (Mexico, Colombia, Ecuador, with a Peruvian group entity). Through MATTILDA-EDU, S.A. de C.V., SOFOM, E.N.R., supervised by Mexico's CNBV under Article 56 of the LGOAAC, the company delivers a bundled offering comprising (i) the Plataforma de Gestión de Pagos, a multi-method tuition payment gateway integrated with OXXO, Mercado Pago, Nubank, American Express, Broxel, and WhatsApp reminders; (ii) Adelanto de Colegiaturas, a tuition-factoring product that disburses net monthly tuition to schools on day one of each month; (iii) Financiamiento para Colegios, a regulated simple-credit facility disbursed in up to two weeks; (iv) matti IA, an embedded AI assistant for on-demand financial reporting; and (v) following the October 2025 acquisition of Algebraix, academic-operations (Algebraix Operaciones) and admissions-CRM (Algebraix Admisiones) modules that integrate Google Ads and Meta Ads lead capture.

Mattilda serves approximately 1,000 private schools in Mexico, Colombia, and Ecuador, with named customer logos including Instituto Universitario Veracruzano, Instituto Patria, Instituto Don Vasco, Colegio Eiffel, Instituto Baja California, Instituto Moderno, and Colegios Hamilton. Its business model combines recurring SaaS subscriptions, transaction-based factoring discounts on tuition receivables, interest income from regulated school credit, and payment-processing take rates, all governed by individually negotiated Contrato de Servicio, Contrato de Factoraje Financiero, and Contrato de Crédito Simple agreements.

The company executes a sales-led, enterprise field-sales motion supported by event sponsorships (CIEC 2026, ASOMEX, LIV CDMX), Spanish-language content marketing, industry reports (2026 'El cambio que viene' covering 651 institutions), and a WhatsApp-native family-facing payment experience. Mattilda has raised approximately $29M in disclosed equity ($10M seed in 2022/2023, $19M Series A in 2023 led by GSV Ventures) plus $60M in debt facilities ($10M Addem Capital in 2023, $50M Lendable in 2025), and is backed by GSV Ventures, FinTech Collective, Dila Capital, Picus Capital, Wollef, Emerge, Lottus Education, Stella Maris Partners, QED Investors, and Xochi Ventures.

Name

Mattilda

Legal name

MATTILDA-EDU, S.A. de C.V., SOFOM, E.N.R.

Website

https://mattilda.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

101–250 employees

Short description

Mattilda operates a regulated financial and operational platform for Latin American private schools, delivering tuition payment processing, tuition factoring, school credit, and (post-Algebraix) academic-operations and admissions CRM tooling to roughly 1,000 schools across Mexico, Colombia, and Ecuador.

Ownership category

akta.pro rank

Product category

Education Fintech / School Financial Management SaaS

NAICS

Educational Services (611), Educational Support Services (61171)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Private Student Loans (Undergraduate & Graduate) (FSAKAEAB)

akta.pro secondary industries

Course Bundle Subscriptions & Learning Membership Marketplaces (EDAFAIAI), Financial Aid Administration & Packaging (EDALAJAA)

Keywords

• School financial platform
• Tuition payment processing
• Tuition factoring services
• Private school lending
• Education fintech software

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Supply Chain, Others

Revenue model

1. Platform Subscription / SaaS Fees: Recurring fees from private schools for access to the Mattilda platform (payment management, matti IA, integrations) and the Algebraix operations suite, contracted via individually negotiated Contrato de Servicio agreements.
2. Tuition Factoring Discount (Adelanto de Colegiaturas): Revenue from acquiring schools' tuition receivables at a contractually agreed discount rate and disbursing the net amount upfront; effectively a transaction-based financing fee on tuition volume processed.
3. School Credit / Loan Interest (Financiamiento para Colegios): Interest, commissions, and CAT-based returns from simple-credit loans extended to schools for infrastructure, technology, and capacity-building projects, governed by Contrato de Crédito Simple under SOFOM ENR regulation.
4. Payment Processing / Take Rate: Transaction-based fees or commissions on tuition payments processed through the Mattilda gateway, where payment processors (OXXO, Mercado Pago, Nubank, American Express, Broxel) may charge per-transaction fees passed through or shared with Mattilda.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Mattilda sells a unified financial and operating platform for private schools in Latin America. Its core product bundle combines a multi-method tuition payment gateway with WhatsApp-native family flows, tuition factoring that pays schools on the first day of each month, regulated school credit for capex, the Algebraix academic operations and admissions modules, and the matti IA AI assistant for financial reporting. Customers are private K-12 and higher-education institutions in Mexico, Colombia, and Ecuador, contracted individually via a Contrato de Servicio.

Product overview

Mattilda is offered as a unified total management ecosystem for private schools in Latin America (a platform-plus-modules architecture) operating in Mexico, Colombia and Ecuador. The core Mattilda platform delivers financial services to schools through three pillars: the Plataforma de Gestión de Pagos for automated tuition collection and payment management, the Adelanto de Colegiaturas factoring service for guaranteed monthly cash flow, and Financiamiento para Colegios for school credit. Following the October 2025 acquisition of Algebraix, the platform was extended with the Algebraix Operaciones module for academic operations (school control, grades, logistics) and the Algebraix Admisiones CRM for prospect management and enrollment. The matti IA AI assistant is embedded across the payment platform for financial reporting and analysis, and complementary portals — Mattilda Familias for parent-facing payments and Mattilda Escuelas for school administration — wrap the offering together with 24/7 WhatsApp support and a contact center.

Differentiator

Problem solved

Functional benefit

Brands

• Mattilda: Primary commercial brand used across the website, marketing, and social media for the financial platform targeting private schools and families.
• Algebraix
• matti IA

Products and services

• Mattilda Platform Total management ecosystem for private schools integrating payment systems, technology, and educational administration across Mexico, Colombia, and Ecuador, centralizing financial and operational processes.
• Plataforma de Gestión de Pagos (Mattilda Pagos) Automated payment management platform that sends WhatsApp reminders, accepts multiple payment methods (cards, OXXO, Mercado Pago, Nubank, American Express, Broxel, digital wallets), performs automated reconciliation, and exposes the matti IA assistant for financial analysis.
• Adelanto de Colegiaturas (Tuition Advance / Factoring) Financial factoring service through which Mattilda acquires schools' tuition receivables at a contractually agreed discount and disburses the total monthly tuition on the first day of each month, guaranteeing predictable monthly cash flow.
• Financiamiento para Colegios (School Financing) Regulated simple-credit loan service for private schools that funds infrastructure, technology, and educational projects based on each school's capacity, with funds disbursed in up to two weeks.
• Algebraix Operaciones Academic operations management module that centralizes school control, automated grade reporting, scheduling/logistics, and teacher-student-family communication.
• Algebraix Admisiones Admissions CRM module that converts prospective families into enrolled students, natively integrated with Google Ads and Meta Ads, with automated follow-up and a fully digital enrollment workflow.
• matti IA AI assistant embedded in the Plataforma de Gestión de Pagos that generates reports on demand, performs complex calculations, and analyzes financial information in real time for school administrators.
• Mattilda Familias Family-facing payment portal where parents receive WhatsApp reminders, choose among multiple payment methods (cards, OXXO, and other channels), and download payment receipts, supported by a 24/7 WhatsApp chatbot.
• Mattilda Escuelas School-facing offering that bundles the Plataforma de Gestión de Pagos, Adelanto de Colegiaturas, and Financiamiento para Escuelas with 24/7 assistance, the matti IA assistant, and a centralized contact center.

Quantifiable outcome

• Schools receive total monthly tuition on day 1 of each month, regardless of when families pay
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability4 records

Feature7 records

Partnerships

Eleven partnerships are on record, tiered core, flagship and minor.

• OXXOcoreTechnology or IntegrationPayment-method integration enabling parents to pay tuition in cash at OXXO convenience stores via the Mattilda gateway.
• Mercado PagocoreTechnology or IntegrationPayment-method integration supporting Mercado Pago wallet and checkout flows for tuition payments on Mattilda.
• Google AdscoreTechnology or IntegrationNatively integrated with Algebraix Admissions CRM to capture and attribute parent leads for school clients.
• Meta AdscoreTechnology or IntegrationNatively integrated with Algebraix Admissions CRM to capture and attribute parent leads via Facebook/Instagram advertising for school clients.
• AlgebraixflagshipStrategic or Co-development PartnerAcquired by Mattilda in October 2025; integration ongoing to build Latin America's first unified school management ecosystem combining academic and financial operations.
• CIEC (Congreso Interamericano de Educación Católica)coreGTM or Marketing PartnerMattilda was a sponsor at CIEC 2026 in Lima, Peru; its CRO led a session on digital marketing for educational institutions with a pastoral lens.
• ASOMEXcoreGTM or Marketing PartnerAnnual administrators' meeting in Oaxaca where Mattilda presented its AI-enabled efficiency narrative to Mexican school administrators.
• LIV (Inteligencia de Vida)minorGTM or Marketing PartnerCo-hosted LIV launch in CDMX (February 2026); Mattilda CEO Jesús Lanza participated in panel on technology + emotional intelligence in education.
• SIMPLminorGTM or Marketing PartnerCo-presented a practical AI-applied-to-productivity workshop with Víctor Piñal at the ASOMEX Oaxaca meeting; complementary GTM collaboration.
• Sapiens ResearchminorGTM or Marketing PartnerCEO Carlos Roberto Peña Barrera was featured guest in the "mattilda Hablemos" webinar on the crisis of LATAM schools, providing data and sector context.
• Doctor Financiero (Jimena Monge)minorGTM or Marketing PartnerFeatured guest expert on neurofinance for educational leaders in the "mattilda Hablemos" webinar series, supporting thought-leadership content marketing.

Scale indicators9 records

Recent moves8 records

Expansion highlights8 records

Direct peers

• Colegium: LATAM (Brazil, Chile, Argentina, Mexico) K–12 school management platform offering SIS, academic, and administrative modules to private schools — directly comparable to Mattilda's Algebraix Operaciones module and the unified academic-and-financial school OS thesis.
• Plataforma Lince: Brazilian school management SaaS focused on pedagogy, administration, and finance for private schools — comparable to Mattilda's integrated academic-operations + financial-management bundle for LATAM private K–12 institutions.

Broad incumbents

• PowerSchool: Global K–12 student information system and school management incumbent in North America, now expanding into LATAM — comparable as a broad incumbent whose SIS-plus-finance stack overlaps with Mattilda + Algebraix, but lacks LATAM-native factoring or SOFOM-style credit.
• FACTS (Renweb): US-focused tuition management and school administration platform (FACTS/Renweb) — overlapping with Mattilda's tuition payment management and family-facing payment flows, but as a US broad incumbent rather than a LATAM specialist.
• Veracross: K–12 school management platform combining SIS, admissions, and finance for independent/private schools — comparable to Mattilda's Algebraix-powered academic and admissions modules, though it serves US-centric independent schools.

Emerging players

• Z1: Brazilian student digital banking app for K–12 and university students — comparable to Mattilda's family-facing payment experience and student-centric fintech angle, but focused on banking rather than school-side factoring or credit.
• Kubo Financiero: LATAM digital bank with student/education vertical products — overlaps with Mattilda's school-finance and credit thesis and competes for the same education-adjacent fintech wallet share in the region.
• Alia: LATAM fintech offering financial services tailored to schools and SMBs — most directly comparable to Mattilda's school credit and factoring products and to its SOFOM-style regulated lending approach.

Others

• Conekta: Leading Mexican online payment gateway processing cards and OXXO — comparable to Mattilda's payment gateway infrastructure layer and a potential competitor or partner depending on whether it expands into vertical school finance.
• Konfío: Mexican SMB lending platform providing working capital and credit lines to SMEs — adjacent to Mattilda's school credit module and representative of the broader LATAM SMB-fintech competitive set Mattilda sits within.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@mattildaio
• Facebookfacebook.com/mattilda.io
• LinkedInlinkedin.com/company/mattilda.io
• Instagraminstagram.com/mattilda_io

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries4 records

Funding overview

Funding rounds4 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mattilda