Sempli
- Company typePrivate
- Founded2016
- HeadquartersMedellín, Colombia
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Sempli does
Sempli is a Colombian fintech lending platform founded in 2016 in Medellín by Felipe Llano and Esteban Velasco, focused on extending credit to small and medium enterprises (PyMEs) that traditional Colombian banks underserve. The company operates an all-digital, self-serve origination channel — applicants complete a fully online process and can reach a credit specialist via WhatsApp, with loan disbursement targeted within 2-3 days versus the 6-10 week timelines typical of incumbent banks. Three core credit products make up the offering: Crédito a término (working-capital and expansion loans up to $250M COP, 6-36 months), Crédito Flexi (revolving credit lines up to $100M COP for short-term liquidity and third-party payments), and Crédito Vehículos (vehicle financing up to $600M COP and 60 months for light and heavy cargo vehicles). A bundled business-insurance product (Seguro Empresa Pyme) is offered through SURA.
Underlying the lending operation is SempliScore, a proprietary credit-scoring engine that evaluates applications using 300+ variables across six factors (Identity, Reference, Performance, Profiling, Psychometric, Impact), drawing on 1,300+ official databases and producing scores on a 300-850 scale. The system blends structured and unstructured data and operates as a semi-automated risk evaluation combining machine and human underwriting — a key reason Sempli can serve SMEs with shorter credit histories and lower collateral than traditional banks accept.
Sempli generates revenue primarily through net interest income on its loan portfolio, with no origination or disbursement commissions and fixed interest rates across products. Capital is sourced from a mix of equity (Velum Ventures, FOMIN/IDB, Oikocredit, Incofin, CAF, Comfama, and a 2025 syndicate of major Colombian commercial banks including Bancolombia and Banco de Occidente) and debt facilities (a $6M facility from Citi in 2023, plus multiple Bancóldex tranches). The company is a B Corp, the first recipient of the Sello FinTrust trust certification, and a founding member of Asociación Fintech Colombia. Total cumulative capital raised across 12 disclosed rounds exceeds $65 million.
Sempli firmographics
Firmographics- Name
- Sempli
- Legal name
- Sempli SAS
- Website
- https://sempli.co
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Sempli industry classification
Industry- Product category
- SME Digital Lending
- NAICS
- Nondepository Credit Intermediation (5222), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)
- akta.pro secondary industries
- Line of Credit / Revolving Short-Term Credit (Non-card) (FSAKAMAG), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)
Keywords
Where Sempli is headquartered
LocationHeadquarters
- HQ city
- Medellín
- HQ country
- Colombia
- HQ region
- Latin America
Offices1 record
Markets served
Sempli business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Credit/Lending Products: Sempli generates revenue through interest income on its credit products including Crédito a término (term loans up to $250 million for 6-36 months), Crédito flexi (revolving credit lines up to $100 million for 1-3 months), and Crédito vehículos (vehicle financing up to $600 million for up to 60 months). The company also earns interest on a $6 million debt facility from Citi.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Crédito a término - Term loan for working capital and expansion |
| Usage-based | Monthly | Crédito flexi - Revolving credit line for third-party payments |
| Subscription | Monthly | Crédito vehículos - Vehicle financing for light and heavy cargo vehicles |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Sempli product offering
Product offeringCore offering
Sempli provides digital credit and financing solutions to Colombian small and medium enterprises (SMEs) through three core products: Crédito a término (term loans up to $250 million COP for working capital and expansion, 6-36 months), Crédito Flexi (revolving credit lines up to $100 million COP, 1-3 months), and Crédito vehículos (vehicle financing up to $600 million COP, up to 60 months). Credit decisions are driven by Sempli's proprietary SempliScore credit scoring system, enabling 2-3 day digital approval versus the 6-10 week traditional bank process.
Product overview
Sempli is a Colombian fintech company offering SME lending solutions through three main credit products: Crédito a término (term loans up to $250M COP for working capital and expansion), Crédito Flexi (revolving credit lines up to $100M COP for immediate liquidity), and Crédito Vehículos (vehicle financing up to $600M COP). The platform differentiates through its proprietary SempliScore credit assessment system using 300+ variables, enabling 2-3 day loan approvals entirely through digital processes. Complementary services include online credit simulators, ROI calculators, financial education content, and business insurance through SURA partnerships.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédito a término (Term Credit) Term credit product for Colombian SMEs seeking working capital financing, growth capital, business expansion, asset acquisition, or talent investment. Credit amounts from $60 to $250 million COP with terms of 6 to 36 months, fixed installments, no credit study or disbursement commissions.
- Crédito Flexi (Revolving Credit Line) Revolving credit line for Colombian SMEs needing short-term liquidity to pay suppliers, payroll, services, and taxes. Credit limits from $10 to $100 million COP, terms of 1, 2, or 3 months, fixed interest rate, monthly interest payments, bullet repayment of principal at maturity, immediate credit limit restoration upon repayment, no credit study or disbursement commissions.
- Crédito Vehículos (Vehicle Financing) Vehicle financing product for Colombian SMEs to acquire or renew light vehicles for executive mobility and heavy cargo vehicles such as pickups, trucks, and tractor trucks. Financing up to 110% of vehicle value (capped at 20% of the borrower's annual sales), up to $600 million COP, terms up to 60 months with fixed installments, vehicle held as collateral, no credit study or disbursement commissions. Covers new or used vehicles up to 5 years old.
Quantifiable outcome
- Loan disbursement in 2-3 days following digital application
- +2 more outcomes
Companies that use Sempli
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles3 records
Sempli technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature1 record
Sempli partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- SURAminorSempli partnered with SURA insurance to offer business insurance products (Seguro Empresa Pyme) protecting SME assets against damages and third-party liabilities.
- ClouxterminorPartnership with Clouxter to provide ebook resources on remote work ecosystems for SME customers.
- Fintech ColombiacoreSempli is a founding member of the Asociación Fintech Colombia, the national fintech industry association.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Sempli competitors and assessment
Company assessmentDirect peers
- Konfío: Mexico's leading digital lending platform for SMEs, offering working capital and growth loans via a proprietary credit scoring engine. Direct functional peer to Sempli across the LatAm SME digital-lending model.
- R2: LatAm-focused embedded finance and SMB lending platform serving SMEs across Mexico and Colombia. Comparable to Sempli in targeting underserved SMEs with technology-led underwriting.
- Addi: Colombian BNPL and SME credit fintech offering point-of-sale financing and small business loans. Operates in Sempli's home market with overlapping SME merchant and working-capital use cases.
- Bold: Colombian fintech providing payments, banking, and working capital to SMEs and entrepreneurs. Direct competitor in the Colombian SME digital-finance segment alongside Sempli.
- a2censo: Colombian crowdfunded SME lending platform connecting small businesses with individual and institutional lenders. Operates in Sempli's same geography and SME segment with a marketplace model.
Emerging players
- Kueski: Mexican digital lender initially focused on consumer credit but increasingly serving SMEs and gig workers. Comparable as a LatAm alternative-data fintech, though heavier weighting on consumer.
- Stori: Mexico-focused credit card fintech serving underbanked consumers and small merchants. Adjacent in alternative-data underwriting and LatAm underbanked segment, with overlap in micro-SME customer profile.
Broad incumbents
- Bancolombia (SME division): Colombia's largest commercial bank, which has been digitalizing SME lending and is also a Sempli capital provider. Competes with Sempli for the same SME segment but from a deposit-funded, full-service banking position.
- Bancóldex: Colombian development bank focused on SME financing, a Sempli investor and partner. Competes indirectly as a state-backed SME lender offering subsidized credit programs.
Others
- Datacrédito: Colombian credit bureau and consumer/business credit information provider. Relevant as a data infrastructure peer and potential data source feeding Sempli's SempliScore model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Sempli social profiles
Digital presenceSempli compliance and trust
Trust signalCompliance3 records
Sempli financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sempli leadership team
Management profileNumber of profiles
Profiles7 records
Sempli funding detail
Funding detailFunding overview
Funding rounds12 records
Investors23 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sempli M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sempli
What does Sempli do?
Sempli provides digital credit and financing solutions to Colombian small and medium enterprises (SMEs) through three core products: Crédito a término (term loans up to $250 million COP for working capital and expansion, 6-36 months), Crédito Flexi (revolving credit lines up to $100 million COP, 1-3 months), and Crédito vehículos (vehicle financing up to $600 million COP, up to 60 months). Credit decisions are driven by Sempli's proprietary SempliScore credit scoring system, enabling 2-3 day digital approval versus the 6-10 week traditional bank process.
Is Sempli a public or private company?
Sempli is a private company. It is classified as venture growth investor backed and is currently operating.
When was Sempli founded?
Sempli was founded in 2016. It employs 51 to 100 people.
Where is Sempli based?
Sempli is headquartered in Medellín, Colombia, in the Latin America region.
How does Sempli make money?
One revenue line is on record: credit/Lending Products.
Who are Sempli's main competitors?
Direct peers on record are Konfío, R2, Addi, Bold and a2censo. Emerging players are Kueski and Stori. Broad incumbents are Bancolombia (SME division) and Bancóldex. Datacrédito is listed as an others.
Does Sempli have an API?
No public API is recorded for Sempli.
What industry is Sempli in?
Sempli's product category is SME Digital Lending. Its primary akta.pro industry code is FSAKAGAJ, SME Lending Platforms & Embedded SME Credit, with a secondary code of FSAKAMAG, Line of Credit / Revolving Short-Term Credit (Non-card). Its NAICS code is 5222 and its SIC code is 6153.