What Finaktiva does

Finaktiva is a Colombian fintech founded in 2017 (corporate materials cite 2018) and headquartered in Medellín, with a representative office in Miami. The company operates La Suite Finaktiva, an all-in-one financial management and liquidity platform targeting small and medium enterprises (SMEs / Pymes) in Colombia, with operations expanding into Peru. Its core product set comprises Gestión Financiera Centralizada (featuring Conexión 360 for real-time aggregation of DIAN electronic invoicing, bank accounts, and accounting data; Monitoreo 360 for receivables/payables visibility; and Pagos Centralizados for multi-bank supplier payments), Supply Chain Finance via the Libera platform (acquired in November 2021) for multi-bank invoice negotiation and ERP-integrated working capital, Factoring and invoice discounting for immediate liquidity, and Círculo Finaktiva, a free business community offering education, content, events, and networking.

The underlying platform is cloud-based and integrates with ERP systems, the Colombian electronic invoicing authority (DIAN), and multiple bank accounts to provide real-time financial consolidation and automated treasury workflows. Finaktiva monetizes primarily through transaction fees and interest spreads on factoring and supply chain finance originations, complemented by subscription or usage-based access to the centralized financial management suite; pricing is quote-based and not publicly disclosed. The company runs a hybrid go-to-market combining a digital self-serve platform (suite.finaktiva.com) with enterprise field sales for larger financing arrangements, and a community-led motion via Círculo Finaktiva. To date, Finaktiva reports having financed over 13,000 businesses across more than 673,000 financing operations with approximately $13 billion in cumulative financing volume, and holds ISO 27001, B Corp, Sello FinTrust, and SIC endorsements.

Name

Finaktiva

Legal name

Finaktiva

Website

https://finaktiva.com

Company type

Private

Founded year

2018

Headcount range

101–250 employees

Short description

Finaktiva is a Colombian fintech that operates La Suite, an all-in-one platform combining factoring, supply chain finance, and centralized financial management for SMEs in Colombia, with geographic expansion underway into Peru. The platform integrates with DIAN electronic invoicing, banks, and ERPs to deliver liquidity, cash flow visibility, and automated treasury operations to over 13,000 financed businesses.

Ownership category

akta.pro rank

Product category

SME Digital Lending and Financial Management

NAICS

Credit Intermediation and Related Activities (522), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

akta.pro secondary industries

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

Keywords

• SME financing platform
• Invoice factoring services
• Supply chain finance
• Centralized financial management
• Working capital solutions

Headquarters

HQ city

Medellín

HQ country

Colombia

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Factoring and Invoice Discounting: Provides immediate liquidity by enabling companies to advance funds against their accounts receivable (factoring) and invoices, generating revenue through transaction fees and interest charges.
2. Supply Chain Finance: Platform enabling optimization of working capital cycles by connecting companies with multi-bank financing sources, generating fees from transaction facilitation and financing arrangements.
3. Centralized Financial Management Platform: Subscription or usage-based access to the La Suite platform providing financial consolidation, monitoring, and payment management tools.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Finaktiva provides an integrated financial platform (La Suite Finaktiva) for SMEs in Colombia combining centralized financial management with liquidity solutions. The suite delivers factoring and invoice discounting, supply chain finance through the acquired Libera platform, and centralized treasury tools that connect electronic invoicing (DIAN), bank accounts, and ERP systems to provide real-time cash flow visibility. Customers access working capital lines, invoice advances, and supplier financing through a self-serve digital platform supported by enterprise sales for larger deals.

Product overview

Finaktiva offers La Suite, a unified financial management and liquidity platform for businesses. The suite integrates four core components: Gestión Financiera Centralizada for consolidating financial operations, Supply Chain Finance (Libera) for invoice negotiation and working capital optimization, Factoring for liquidity access, and Círculo Finaktiva as a business community add-on. The platform connects to electronic invoicing (DIAN), bank accounts, and ERP systems to provide real-time visibility into cash flow and enable centralized treasury management.

Differentiator

Problem solved

Functional benefit

Products and services

• Factoring Liquidity solution providing immediate access to capital through working capital lines, invoice advances, and supplier financing, enabling SMEs to convert accounts receivable into working capital and manage cash flow gaps.
• Gestión Financiera Centralizada (Centralized Financial Management) Cloud-based financial management module that consolidates electronic invoicing (DIAN), bank accounts, and accounting information in real time, providing visualization of accounts receivable and payable, identification of cash flow gaps or surpluses, and centralized supplier payment management to optimize treasury operations.
• Supply Chain Finance (Libera) Transaction platform for invoice negotiation that enables businesses to optimize working capital cycles by accessing multi-bank financing sources and integrating directly with ERP systems to automate processes and reduce operational burdens.

Quantifiable outcome

• Over 13,000 businesses financed
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Libera Supply ChaincoreStrategic or Co-development Partner · 19 November 2021Finaktiva acquired Libera Supply Chain, a platform specializing in factoring and confirming. This acquisition strengthened Finaktiva's financial service offerings and advanced its development of a neobank for SMEs in Latin America.
• Colombia FintechcoreStrategic or Co-development PartnerColombia Fintech provides the FinTrust seal to Finaktiva, recognizing the company as a Fintech that promotes good practices and legal compliance in the Colombian fintech ecosystem.
• Sistema BcoreStrategic or Co-development PartnerSistema B certifies Finaktiva as a B Corporation, endorsing the company's commitment to social and environmental standards alongside financial performance.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• a2censo: Colombian crowdfunded lending platform for SMEs, directly comparable in geography and customer segment (Colombian SMEs seeking working-capital financing).
• Juancho Te Presta: Colombian P2P lending platform providing working capital loans to SMEs and individuals. Comparable as a Colombian fintech lender with similar customer segment.
• Albo: Mexican neobank targeting consumers and SMEs with accounts, cards, and credit products. Comparable as a LatAm fintech building an integrated financial platform for the underserved SME segment.
• Konfío: Mexico's largest digital lender to SMEs, offering working capital lines, invoice financing, and a business financial management platform. Directly comparable to Finaktiva's SME lending + treasury management bundle, just at larger scale in Mexico.
• Clara: LatAm corporate spend management and financing platform serving SMEs and mid-market with cards, payments, and working capital. Closely comparable to Finaktiva's centralized payments and working-capital offerings.
• Tributi: Colombian fintech providing tax automation and financial management tools for SMEs, complementing with financing products. Comparable in geography and SME digital financial services focus.

Broad incumbents

• Ualá: Pan-LatAm neobank (Argentina, Mexico, Colombia) offering accounts, cards, and credit to consumers and SMEs. Comparable as a larger LatAm fintech building an integrated financial platform, with broader geographic reach.
• Addi: LatAm BNPL and consumer credit fintech operating across Colombia, Brazil, and Mexico. Comparable in operating geography and Colombian SME/consumer credit origination.
• Bancolombia: Colombia's largest commercial bank and a debt capital provider to Finaktiva. Comparable as the dominant incumbent providing SME banking and credit services in Finaktiva's home market.

Emerging players

• R2 (Latam fintech): LatAm embedded finance platform for SMEs, providing credit infrastructure to other platforms. Comparable as a fintech infrastructure player enabling SME lending across Latin America.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/finaktiva

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds11 records

Investors14 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 Finaktiva