KLYM
KLYM is a Colombian fintech platform offering factoring, working-capital, and supply-chain financing to SMEs and large corporates across Colombia, Chile, Peru and Brazil. It delivers credit decisions and disbursements digitally via its Plataforma VA!, integrated with the DIAN RADIAN electronic invoicing system.
- Company typePrivate
- Founded2012
- HeadquartersBogotá, Colombia
- Headcount1–10
- GTM typeB2B
- OfferingServices
What KLYM does
KLYM (formerly Omnilatam / Omni Latam), founded in 2012 in Bogotá, Colombia, is a multi-product, multi-funder digital financial services platform that provides short-term liquidity to small and medium enterprises (Mipymes) and supply-chain financing programs for large corporations. The company operates four core products — Factoring Online (invoice discounting), Capital de Trabajo (purchase-order-backed working-capital loans), Confirming (supply-chain finance embedded with enterprise AP processes), and Línea Rotativa (revolving credit against future invoices) — delivered through its Plataforma VA! self-service platform on AWS infrastructure with native integration to Colombia's DIAN RADIAN electronic invoicing system and major ERP platforms. Underwriting is data-driven, using machine-learning credit models that consume real-time electronic invoicing and fiscal data to issue credit decisions in minutes, with 96% of clients reportedly receiving their first disbursement within 24 hours.
The business model is primarily transaction-fee based: KLYM earns a discount rate plus a 0.2–0.5% operation fee on factored invoices, ~1.88% monthly interest plus 0.3% commissions on working-capital loans, and usage-based fees on revolving lines. Customer acquisition runs simultaneously across product-led self-service (web/WhatsApp onboarding), inside sales for mid-market, and enterprise field sales for Confirming programs with large payors. Funding comes from more than 12 partner banks (Bancolombia, AV Villas, BCI, Gramercy, among others) and from parent Coval Servicios Financieros following a 2024 strategic alliance that rebranded the group as "KLYM by Coval." Over its history the platform reports more than US$1.5B disbursed to 6,000+ Latin American SMEs, with Colombia alone disbursing US$300M in H1 2025 to 1,000+ businesses, and a roster of 60+ enterprise clients including Corona, Enel, Colanta, Renault, Arturo Calle, Familia, AkzoNobel, and Enel.
KLYM is a private Colombian fintech (legal entity KLYM S.A.S.) that has raised over US$200M in cumulative disclosed financing, anchored by a US$27M round in January 2023 led jointly by JPMorgan Chase and IFC earmarked for Brazil and regional expansion. The company holds ISO-IEC 27001:2013 certification for information security, operates in Colombia, Chile, Peru and announced expansion into Brazil, and runs 101–250 employees across Bogotá (HQ), Santiago and Lima regional offices.
KLYM firmographics
Firmographics- Name
- KLYM
- Legal name
- KLYM S.A.S.
- Website
- https://KLYM.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- KLYM is a Colombian fintech platform offering factoring, working-capital, and supply-chain financing to SMEs and large corporates across Colombia, Chile, Peru and Brazil. It delivers credit decisions and disbursements digitally via its Plataforma VA!, integrated with the DIAN RADIAN electronic invoicing system.
- Ownership category
- akta.pro rank
KLYM industry classification
Industry- Product category
- Trade Finance / SME Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163)
- akta.pro primary industry
- Trade Finance & Supply Chain Finance Platforms (FSAGAJAL)
Keywords
Where KLYM is headquartered
LocationHeadquarters
- HQ city
- Bogotá
- HQ country
- Colombia
- HQ region
- Latin America
Offices4 records
Markets served
KLYM business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Factoring transaction fees: KLYM charges a discount rate on invoice value for early payment services. The rate is subject to risk evaluation and varies by operation. Additionally charges operation fees of 0.2% to 0.5% proportional to invoice amount.
- Capital de trabajo interest: Interest charges on short-term working capital loans. Monthly interest rate of approximately 1.88% plus commissions starting at 0.3% of loan amount. Paid back over 2-60 day periods.
- Rotating line fees: Fees from revolving credit facilities backed by future invoices, with up to 150 days repayment period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Factoring Online - discount rate on invoice value plus operation fee |
| Unit Pricing | Monthly | Capital de Trabajo - monthly interest rate with minimum commission |
| Usage-based | Pay-as-you-go | Línea Rotativa - revolving credit backed by future invoices |
| Transaction based/ take rate | Pay-as-you-go | Confirming - fee structure for supply chain financing programs |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels8 records
KLYM product offering
Product offeringCore offering
KLYM is a digital fintech platform providing working capital solutions to SMEs and large corporations in Latin America through three main products: Factoring Online (invoice discounting with disbursement in 24-72 hours), Capital de Trabajo (working capital loans against purchase orders), and Confirming (supply chain financing enabling large buyers to pay suppliers early). Operations are delivered through the Plataforma VA! digital platform, backed by more than 12 bank funders and parent company Coval Servicios Financieros.
Product overview
KLYM is a multi-product, multi-funding fintech platform for SME financing, operating as part of Coval Servicios Financieros. The core offering includes three main products: Factoring Online for invoice discounting, Capital de Trabajo for purchase order financing, and Confirming (Supply Chain Finance) for supplier payment optimization. These are delivered through the Plataforma VA! digital platform. Additional products include Línea Rotativa for revolving credit facilities. The platform integrates with Colombia's DIAN electronic invoicing system via RADIAN and connects with enterprise ERP systems for automated accounts payable/receivable management.
Differentiator
Problem solved
Functional benefit
Brands
- Plataforma VA!: Digital platform for clients to anticipate invoices and consult operations in real-time
- Coval
Products and services
- Factoring Online Digital invoice discounting service that allows businesses to receive immediate payment for outstanding invoices by ceding accounts receivable to KLYM, with disbursements typically completed within 24-72 hours. Targeted at SMEs, Mipymes, and mid-market companies with invoices to collect from larger clients.
- Capital de Trabajo Short-term working capital loan product that enables businesses to receive up to 40% advance on purchase orders or contracts, even without issued invoices. Designed for SMEs and Mipymes needing liquidity ahead of fulfillment.
- Confirming (Supply Chain Finance) Supply chain finance solution enabling large corporations to offer early payment to their suppliers through KLYM's platform, strengthening supply chain relationships and optimizing accounts payable. KLYM integrates with the buyer's ERP and electronic invoicing systems; over 60 enterprises including Corona, Enel, Colanta, Renault, and Arturo Calle use KLYM Confirming programs.
- Línea Rotativa KLYM Revolving credit facility backed by future invoice flows, providing businesses with up to 150 days repayment terms (starting from day 30 after each disbursement) and continuous access to liquidity as credit is repaid. More than 500 disbursements have been made exceeding 110 billion pesos in total volume.
- Plataforma VA! Digital platform through which KLYM delivers its factoring, capital de trabajo, confirming, and revolving credit products. Provides real-time invoice management, cash flow monitoring, 100% digital operations available 24/7, intuitive onboarding (registration in approximately 5 minutes), and data-driven analytics for business intelligence.
Quantifiable outcome
- 96% of clients receive first disbursement within 24 hours
- +4 more outcomes
Companies that use KLYM
Customer profileNamed customers21 records
Segments5 records
Ideal customer profiles2 records
KLYM technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature5 records
KLYM partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Coval Servicios FinancieroscoreChilean financial services company that established strategic alliance with KLYM. Coval has 25 years of experience and expanded to Colombia through KLYM, now operating as KLYM by Coval. Coval provides regional backing, proven business practices, and additional financing capacity including factoring, confirming, leasing, and purchase order financing.
Scale indicators13 records
Recent moves9 records
Expansion highlights6 records
KLYM competitors and assessment
Company assessmentDirect peers
- Konfío: Mexico's leading digital lending platform for SMEs, offering working capital loans and credit lines. Directly comparable to KLYM in serving underserved SMBs with data-driven, product-led digital financing in Latin America.
- Creditas: Brazil's largest asset-backed digital lending platform offering home equity, auto, and payroll loans. Comparable to KLYM's asset-backed approach to SME financing using data-driven underwriting in LATAM.
- Coval Servicios Financieros: Chilean parent company of KLYM providing factoring, confirming, leasing, and PO financing across Chile, Peru, and Colombia. Effectively the same business model as KLYM at the regional parent level.
Broad incumbents
- Mercado Pago: Mercado Libre's fintech arm offering merchant lending, working capital, and POS financing across LATAM. Comparable in providing SMB liquidity solutions but as part of a much broader e-commerce and payments ecosystem.
- Bancolombia: Colombia's largest commercial bank and KLYM partner; provides traditional SME lending and supply chain financing. Comparable as incumbent providing working capital finance to Colombian businesses, though via traditional banking channels.
- Banco Inter: Brazilian digital-first bank offering SME lending, working capital, and supply chain financing. Comparable as incumbent pursuing digital SME lending in Brazil, a market KLYM plans to enter.
Emerging players
- Clip: Mexico-based fintech offering POS payments and SMB financing products. Comparable as LATAM fintech addressing SMB liquidity, with partial overlap in financing offerings.
- Trafalgar Capital: Mexico-based fintech specializing in supply chain financing and factoring for SMEs. Comparable in providing invoice-based financing to LATAM SMBs through digital platforms.
Regional players
- Bnext (now W&G): LATAM fintech providing digital lending and SME financing solutions. Comparable regional player in the LatAm digital lending space with similar SMB focus.
Others
- dLocal: LATAM payments infrastructure provider enabling cross-border transactions. Comparable as a LATAM fintech enabler, though it operates in payments rather than lending directly.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
KLYM social profiles
Digital presenceKLYM compliance and trust
Trust signalCompliance1 record
KLYM financial estimates
Financial estimateRevenue estimate
Valuation estimate
KLYM leadership team
Management profileNumber of profiles
Profiles6 records
KLYM subsidiaries and ownership
Company hierarchySubsidiaries1 record
KLYM funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KLYM 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 KLYM
What does KLYM do?
KLYM is a digital fintech platform providing working capital solutions to SMEs and large corporations in Latin America through three main products: Factoring Online (invoice discounting with disbursement in 24-72 hours), Capital de Trabajo (working capital loans against purchase orders), and Confirming (supply chain financing enabling large buyers to pay suppliers early). Operations are delivered through the Plataforma VA! digital platform, backed by more than 12 bank funders and parent company Coval Servicios Financieros.
Is KLYM a public or private company?
KLYM is a private company. It is classified as corporate owned and is currently operating.
When was KLYM founded?
KLYM was founded in 2012. It employs 1 to 10 people.
Where is KLYM based?
KLYM is headquartered in Bogotá, Colombia, in the Latin America region.
How does KLYM make money?
Three revenue lines are on record. Factoring transaction fees are the primary driver. The others are capital de trabajo interest and rotating line fees.
Who are KLYM's main competitors?
Direct peers on record are Konfío, Creditas and Coval Servicios Financieros. Broad incumbents are Mercado Pago, Bancolombia and Banco Inter. Emerging players are Clip and Trafalgar Capital. Bnext (now W&G) is listed as a regional player. dLocal is listed as an others.
Does KLYM have an API?
No public API is recorded for KLYM.
What industry is KLYM in?
KLYM's product category is Trade Finance / SME Lending. Its primary akta.pro industry code is FSAGAJAL, Trade Finance & Supply Chain Finance Platforms. Its NAICS code is 52222 and its SIC code is 6153.