Blooms
Blooms Capital is a fintech providing AI-powered working capital financing, non-recourse international factoring, and a US virtual account for cross-border payments to Mexican fresh produce exporters selling to US buyers.
- Company typePrivate
- Founded2024
- HeadquartersWilmington, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Blooms does
Blooms Trade Inc. (operating as Blooms Capital) is a Delaware-incorporated fintech founded in 2024 and headquartered in Wilmington, Delaware, that provides AI-powered trade finance and cross-border payments to Latin American agricultural exporters, primarily Mexican producers of fresh fruits and vegetables shipping to US buyers. The company operates a unified platform combining three core products: working capital financing (advances against future export receivables), non-recourse international factoring that delivers up to 80% of invoice value within 24 hours, and a global payments platform that provides a US virtual account with support for 20+ currencies and FX risk management. A self-serve digital onboarding flow at bloomsapp.com is supplemented by an expert-consultation inside-sales motion and a recently launched tiered loyalty program (Blooms Connect) that offers 10-20% cashback on factoring commissions plus preferential FX spreads to high-volume exporters.
The business model is transaction-fee driven: Blooms earns commissions on purchased receivables, spreads on FX conversion, and interest on advanced working capital. Pricing is quote-based and varies by importer risk profile and volume tier, with the Blooms Connect Silver/Gold/Platinum thresholds at $1M/$5M/$15M of factoring volume. The go-to-market is product-led for SMB Mexican exporters with $5M+ annual US export sales and 2+ years of export history, supplemented by HubSpot-powered sales-assisted demos for mid-market accounts and a direct-sales layer for enterprise exporters. The company is licensed by USDA under PACA license #20240904, holds PACA compliance as a regulatory credential, and has built a partnership with DeltaTrak to embed cold-chain logistics discounts into its loyalty ecosystem.
Blooms is privately held and venture-backed, having raised a $2.6M seed round in May 2025 led by SP Ventures with participation from Angel Ventures, Eqwow Ventures, GLOCAL LatAm, Mercy Corps Ventures, and The Yield Lab LATAM. The company is led by co-founder and CEO Francisco Meré and operates with a 1-10 employee team. Its strategic focus is on improving liquidity, reducing FX risk, and providing non-bank trade finance to an underserved segment that traditional lenders decline due to lack of credit history.
Blooms firmographics
Firmographics- Name
- Blooms
- Legal name
- Blooms Trade Inc.
- Website
- https://bloomscapital.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Blooms Capital is a fintech providing AI-powered working capital financing, non-recourse international factoring, and a US virtual account for cross-border payments to Mexican fresh produce exporters selling to US buyers.
- Ownership category
- akta.pro rank
Where Blooms is headquartered
LocationHeadquarters
- HQ city
- Wilmington
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Blooms business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Factoring commissions: Blooms earns commissions on the purchase of accounts receivable (factoring). Exporters receive up to 80% of invoice value upfront, with commissions charged on the factoring transaction. The company offers tiered cashback (10-20%) through Blooms Connect based on transaction volume.
- Foreign exchange spreads: Revenue generated from FX transactions when exporters convert currencies or utilize the global payments platform. The company offers preferential spreads for higher-tier Blooms Connect members.
- Working capital financing interest: Interest income from advancing funds against future export receivables, providing timely and flexible financing for production.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Working capital financing with flexible advance rates against future exports |
| Transaction based/ take rate | Multi-year contract | Silver tier: 10% cashback on commissions for $1M+ factoring volume in 3 months |
| Transaction based/ take rate | Multi-year contract | Gold tier: 15% cashback on commissions for $5M+ factoring volume in 6 months |
| Transaction based/ take rate | Multi-year contract | Platinum tier: 20% cashback on commissions for $15M+ factoring volume in 9 months |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Blooms product offering
Product offeringCore offering
Blooms provides an AI-powered fintech platform that delivers working capital financing, non-recourse international factoring (up to 80% of invoice value within 24 hours), and a global payments platform with a US virtual account supporting 20+ currencies for Mexican fresh produce exporters shipping to US buyers. The company also operates Blooms Connect, a tiered loyalty program offering 10-20% cashback on factoring commissions and preferential FX spreads for high-volume exporters.
Product overview
Blooms Capital is a unified fintech platform combining three core products—Working Capital financing, International Factoring (up to 80% of invoice value in 24 hours), and a Global Payments Platform (US virtual account with 20+ currency support)—alongside the Blooms Connect loyalty add-on program offering tiered cashback and FX benefits. The platform uses AI-driven data analysis to create personalized financial solutions for Latin American fruit and vegetable exporters, enabling liquidity within 24-48 hours without complex procedures.
Differentiator
Problem solved
Functional benefit
Products and services
- Blooms Capital Platform Unified fintech platform providing AI-powered working capital financing, international factoring, and global payments for Latin American agricultural exporters, enabling liquidity in 24-48 hours.
- Working Capital (Capital de Trabajo) Flexible, timely financing product that advances a proportion of future export earnings to enable agricultural producers to fund production cycles and operating expenses.
- International Factoring (Factoraje Internacional) Non-recourse invoice factoring service that provides up to 80% of invoice value within 24 hours for Latin American produce exporters selling to US buyers, protecting them from buyer default risk.
- Global Payments Platform (Plataforma de Pagos Globales) US virtual account-based global payments platform enabling exporters to receive and make payments in 20+ currencies, with FX protection against exchange rate volatility.
- Blooms Connect Loyalty Program Loyalty program for produce exporters offering tiered cashback (10-20%) on factoring commissions, preferential FX spreads, dedicated account management at higher tiers, and ecosystem benefits including DeltaTrak cold chain logistics discounts. Three tiers: Silver ($1M factoring volume threshold), Gold ($5M), Platinum ($15M).
Quantifiable outcome
- Up to 80% of invoice value available within 24 hours
- +3 more outcomes
Companies that use Blooms
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
Blooms technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature3 records
Blooms partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- DeltaTrakminorDeltaTrak provides digital cold chain solutions integrated with Blooms' platform. Blooms Connect offers preferential rates on DeltaTrak services to Platinum and Gold tier members as part of the loyalty program's ecosystem benefits.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Blooms competitors and assessment
Company assessmentEmerging players
- Kantox: Kantox provides FX risk management and dynamic pricing for SMBs, overlapping with Blooms' FX and payments functionality though without the factoring/working capital core.
- Resolve: Resolve offers B2B trade financing and invoice factoring for SMBs; comparable in factoring-led product approach though primarily serving US-domestic B2B rather than cross-border LATAM flows.
Direct peers
- Stenn: Stenn provides online trade finance and factoring for SMBs trading internationally; comparable to Blooms in cross-border factoring for SMB exporters underserved by traditional banks.
- Trella: Trella is an Egyptian/MENA digital freight factoring platform for SMB truckers; comparable to Blooms in operating a self-serve factoring + working capital product aimed at underserved SMB exporters in emerging markets.
- dLocal: dLocal is a LATAM-focused cross-border payments platform enabling merchants to accept and disburse funds across emerging markets; comparable to Blooms' global payments platform serving cross-border LATAM-US flows.
- Konfío: Konfío is a Mexico-based digital lender serving SMBs with working capital and credit products, sharing Blooms' Mexico SMB fintech focus and reliance on alternative data underwriting.
- Produce Pay: Produce Pay is a US/Mexico produce-focused fintech offering financing, factoring, and cash-flow tools to fresh produce suppliers — the closest direct comparable to Blooms in target customer, geography, and product set.
Regional players
- Clip: Clip is a Mexican SMB-focused payments and lending fintech; comparable in serving the Mexican SMB market with digital financial services though primarily domestic rather than cross-border trade.
Broad incumbents
- BBVA Trade Finance: BBVA Mexico offers established trade finance, factoring, FX, and working capital solutions to Mexican exporters; a broad incumbent competing for the same SMB export customer base that Blooms targets.
- HSBC Trade and Receivables Finance: HSBC's global trade finance and receivables finance division serves cross-border SMB exporters including in Mexico; a broad incumbent with the balance sheet to compete on factoring volume.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Blooms social profiles
Digital presenceBlooms compliance and trust
Trust signalCompliance1 record
Blooms financial estimates
Financial estimateRevenue estimate
Valuation estimate
Blooms leadership team
Management profileNumber of profiles
Profiles1 record
Blooms funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Blooms 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 Blooms
What does Blooms do?
Blooms provides an AI-powered fintech platform that delivers working capital financing, non-recourse international factoring (up to 80% of invoice value within 24 hours), and a global payments platform with a US virtual account supporting 20+ currencies for Mexican fresh produce exporters shipping to US buyers. The company also operates Blooms Connect, a tiered loyalty program offering 10-20% cashback on factoring commissions and preferential FX spreads for high-volume exporters.
Is Blooms a public or private company?
Blooms is a private company. It is classified as venture growth investor backed and is currently operating.
When was Blooms founded?
Blooms was founded in 2024. It employs 11 to 50 people.
Where is Blooms based?
Blooms is headquartered in Wilmington, United States, in the North America region.
How does Blooms make money?
Three revenue lines are on record. Factoring commissions are the primary driver. The others are foreign exchange spreads and working capital financing interest.
Who are Blooms's main competitors?
Emerging players on record are Kantox and Resolve. Direct peers are Stenn, Trella, dLocal, Konfío and Produce Pay. Clip is listed as a regional player. Broad incumbents are BBVA Trade Finance and HSBC Trade and Receivables Finance.
Does Blooms have an API?
No public API is recorded for Blooms.