What Prestamype does

Prestamype is a Peruvian fintech founded in 2017 that operates a dual-sided digital lending and investment marketplace serving micro and small enterprises (MYPES) and individual investors. On the borrower side, the company provides mortgage-backed loans ranging from S/15,000 to S/2 million (and up to S/3 million via its proprietary trust/fideicomiso structure with Cofide) and electronic invoice factoring with same-day disbursement — targeting borrowers rejected by traditional banks due to insufficient credit history or negative Infocorp records by substituting real estate collateral for credit scoring. The platform integrates natively with SUNAT (tax authority), CAVALI (securities depository), and SUNARP (property registry), enabling automated invoice loading, collateral registration, and digital onboarding. On the investor side, Prestamype offers two products: investment in mortgage-backed loans (returns up to 28% annually, minimum S/18,000) and investment in factoring invoices (returns up to 22%, minimum S/100/$25), with all instruments registered at CAVALI for legal certainty.

The business model combines interest income on mortgage-backed loans, transaction fees on factoring and confirming operations, and managed-services fees from the recently launched Gestora de Fondos Privados (SAFI) subsidiary. Go-to-market is hybrid: self-serve digital onboarding for factoring and smaller loans, sales-assisted for larger amounts and complex trust structures, and a broker/financial advisor network for referrals. Pricing varies by product, with monthly interest rates starting at 1.05% on standard loans and 1.46% on trust-based financing. Customers include 8,000+ financed entrepreneurs, 17,000+ active investors on factoring, and 43,000+ invoices financed. Headcount is 101-250 employees with offices in Lima (Miraflores, San Martín de Porres), Piura, and Trujillo. Cumulative disbursements exceed $650M since founding, with 2025 factoring disbursements of $319M (up 163% YoY). The company has raised $32M+ across funding rounds, including a $27M March 2026 raise anchored by a $25M credit line from UK-based Lendable.

Name

Prestamype

Legal name

Prestamype

Website

https://prestamype.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Prestamype is a Peruvian fintech founded in 2017 that provides mortgage-backed loans, invoice factoring, and confirming services to underserved micro and small enterprises via a dual-sided digital marketplace, while offering individual investors high-yield access to collateralized loan and invoice investment products.

Ownership category

akta.pro rank

Product category

Alternative Lending & Factoring

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

P2P Loan Syndication & Participation Platforms (FSAKAHAL)

akta.pro secondary industry

Mortgage Pre-Approval / Prequalification & Lead-to-Loan Retail Origination (FSALAAAN)

Keywords

• Digital lending platform
• Invoice factoring services
• Mortgage-backed lending
• SME financing
• Alternative investment marketplace

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Mortgage-Backed Loans: Prestamype earns interest income on loans extended to borrowers using real estate as collateral. Loans range from S/15,000 to S/2 million (standard) or up to S/3 million (trust/fideicomiso structure) with monthly interest rates starting at 1.05% for standard loans and 1.46% for trust-based loans. The company acts as lender and also as intermediary for investor-funded loans, earning the spread or origination fees.
2. Factoring Fees: Prestamype charges fees for facilitating the early payment of invoices. SMEs sell their receivables at a discount to the platform (or to investors on the platform), and Prestamype retains a fee. The platform also earns fees from the CAVALI registration of factoring operations.
3. Confirming Fees: Confirming is a service for companies to manage their accounts payable. Prestamype advances payment to suppliers on behalf of the client company and charges a fee. The company benefits from the full invoice value being financed, with fees negotiated and recorded in contracts.
4. Investment Management Fees (Gestora de Fondos): The private fund management company (SAFI) charges management and performance fees for administering pooled investment funds that finance MYPE mortgage-backed loans and factoring receivables.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Prestamype is a Peruvian fintech platform that provides mortgage-backed loans and invoice factoring to micro and small enterprises (MYPES) in Peru, while also operating a dual-sided investment marketplace where individual investors can fund these loans and invoices. The platform enables fully digital origination, integrates with SUNAT, CAVALI, and SUNARP for compliance and verification, and supports products ranging from S/15,000 working capital loans to S/3 million trust-based (fideicomiso) financings.

Product overview

Prestamype operates as a comprehensive fintech platform offering secured lending and invoice financing services for Peruvian micro, small, and medium enterprises (MSMEs). The product portfolio centers on two core offerings: Préstamos con Garantía Hipotecaria (mortgage-backed loans ranging from S/15,000 to S/2 million with rates from 1.05% monthly, including trust-based fideicomiso financing up to 60% of property value), and Factoring Electrónico (electronic invoice factoring with same-day liquidity). Supporting services include Confirming for supplier payment management, Crédito Hipotecario for real estate purchases, and a complementary Sistema de Gestión de Facturas for invoice tracking with SUNAT integration. The platform also operates an investment marketplace comprising two products: Inversión en Préstamos (mortgage loan investments with returns up to 28%) and Inversión en Factoring (invoice investments with returns up to 22%). A Gestora de Fondos Privados (SAFI) enables capital raising from investors. Supporting programs include Broker and Referido referral initiatives. Founded in 2017, the company reports over S/2.1 billion in total financing disbursed across 9 years of operations.

Differentiator

Problem solved

Functional benefit

Brands

• Prestamype Gestora de Fondos: Private investment fund management company that administers portfolios to finance micro and small enterprises through mortgage-backed loans and factoring.

Products and services

• Préstamos con Garantía Hipotecaria (Mortgage-Backed Loans) Secured loans using real estate as collateral, offering amounts from S/15,000 to S/2 million with monthly interest rates starting at 1.05%. Includes variants for working capital, construction, debt consolidation, and borrowers with credit challenges including negative Infocorp records. Terms range from 6 to 120 months.
• Financiamiento mediante Fideicomiso (Trust-Based Financing) Alternative financing using real estate incorporated into a securitized trust estate, offering up to 60% of property value with rates from 1.46% monthly and terms up to 10 years. Available for properties owned by legal entities. The structure provides legal protections including inembargabilidad (protection from seizure) and enables Cofide development bank participation.
• Factoring Electrónico (Electronic Factoring) Invoice factoring service enabling businesses to obtain liquidity by advancing payment on outstanding invoices. Provides same-day or under-48-hour funding after approval with no credit history requirements. Discount rate negotiated based on debtor creditworthiness and invoice characteristics.
• Confirming Service that manages corporate accounts payable by financing 100% payment to suppliers on behalf of client companies, with disbursements in under 48 hours. Strengthens supplier relationships and improves cash flow without reporting to credit bureaus.
• Créditos Hipotecarios (Mortgage Purchase Loans) Real estate purchase loans for acquiring homes or apartments with payment terms up to 10 years. Offers flexible evaluation criteria accepting borrowers without formal credit history or with Infocorp records.
• Gestora de Fondos Privados (Private Fund Manager / SAFI) Regulated private investment fund management company (SAFI) that administers pooled capital to finance micro and small enterprise loans through mortgage-backed lending and factoring. Allows retail and institutional investors to participate via a regulated fund vehicle, expanding beyond the direct P2P model.
• Inversión en Préstamos (Loan Investment) Investment platform allowing individuals to invest in mortgage-backed loans with annual returns up to 28%. Minimum investment of S/25,000 with terms from 1 to 6 years, backed by property inscribed in SUNARP at more than 2x the loan amount for collateral coverage.
• Inversión en Factoring (Factoring Investment)

Quantifiable outcome

• 163% year-over-year growth in factoring disbursements in 2025 ($319M vs $121M in 2024)
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Cofide (Corporación Financiera de Desarrollo)coreStrategic or Co-development Partner · 1 March 2026Peru's development bank (corporación financiera de desarrollo) partnered with Prestamype for a trust (fideicomiso) structure that enables the financing of mortgage-backed loans. The trust structure allows Prestamype to offer larger loan amounts (up to S/3M, 60% LTV) with enhanced legal protections including inembargabilidad (protection from seizure). This is a strategic partnership enabling Prestamype to access development bank financing channels and expand its product offerings for legal entities.
• CAVALIcoreTechnology or IntegrationCAVALI is Peru's central securities depository and registry for negotiable instruments. Prestamype registers all factoring invoices and investment instruments with CAVALI, providing legal certainty and investor protection. The partnership enables the company's investment products to carry CAVALI registration, a key trust signal for investors.
• SUNARP (Superintendencia Nacional de los Registros Públicos)coreTechnology or IntegrationPeru's national public registry of real estate and other property rights. Prestamype's mortgage-backed loans use SUNARP registration as the legal mechanism for establishing and perfecting the property guarantee. SUNARP property inscriptions are the core collateral mechanism underpinning the lending model.
• SUNAT (Superintendencia Nacional de Aduanas y de Administración Tributaria)coreTechnology or IntegrationPeru's national tax authority. Prestamype integrates with SUNAT for the invoice management system, allowing users to automatically load and validate invoices using their SOL key (SUNAT online credentials). This integration enables automatic invoice verification and reduces fraud risk in factoring operations.
• Universidad del PacíficominorStrategic or Co-development PartnerPrestamype is supported by the Universidad del Pacífico, one of Peru's leading business schools. The partnership provides academic credibility and potential talent pipeline access.
• Ministerio de la Producción (StartUp Perú)minorStrategic or Co-development PartnerPrestamype received support from Peru's Ministry of Production through the StartUp Perú program, which supports early-stage Peruvian startups with funding, mentorship, and ecosystem resources.

Scale indicators15 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Stori: Stori is a Mexican fintech issuing credit cards to underserved SMBs and consumers. It targets a similar underbanked customer profile and uses alternative data for underwriting — comparable to Prestamype's mission of expanding credit access.
• Addi: Addi is a Colombian BNPL and SMB lending platform serving merchants and consumers across LatAm. It is comparable as an emerging LatAm fintech extending credit to underserved segments, with similar GTM partnerships with merchants and brokers.
• Kueski: Kueski is a Mexican online consumer and SMB lender using alternative credit data. It is comparable as an emerging digital lender in LatAm serving underbanked customers with non-traditional underwriting, though primarily on the consumer side.
• Konfío: Konfío is a Mexican SMB lending platform providing credit and banking services to underserved small businesses. It targets a similar MYPE/small-business customer segment as Prestamype, though it focuses on working-capital loans rather than mortgage-backed lending.

Broad incumbents

• Banco de Crédito del Perú (BCP): BCP is Peru's largest commercial bank, dominant in retail and SME banking. As a broad incumbent with a much larger balance sheet and deposit base, BCP competes with Prestamype in MYPE lending and is increasingly digitizing its SME offerings.
• Interbank: Interbank is a major Peruvian commercial bank with growing digital SME lending and factoring products. It competes with Prestamype in the Peruvian MYPE segment from an incumbent bank position with deeper funding and branch infrastructure.
• Mercado Pago / Mercado Crédito: Mercado Pago is the broad LatAm fintech arm of Mercado Libre, offering payments, credit, and investment products across multiple markets including Peru. It is a broad incumbent whose Mercado Crédito offering increasingly competes with Prestamype in SME and consumer credit.

Direct peers

• Cumplo: Cumplo is a Chilean P2P lending platform connecting SMEs with individual investors — a direct peer operating the same dual-sided marketplace model in another major Latin American market. Highly comparable business model and target customer base.
• Afluenta: Afluenta is an Argentine P2P lending marketplace and a pioneer of LatAm marketplace lending. Despite Argentine macro headwinds, it remains the most structurally similar peer to Prestamype in business model, offering both consumer and SME loans funded by individual investors.
• Yo Te Presto: Yo Te Presto is a Mexican P2P lending platform that matches SME borrowers with retail investors — a direct peer with the same peer-to-peer loan marketplace structure serving similar underserved SME customers in LatAm.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Prestamype
• LinkedInlinkedin.com/company/prestamype

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors7 records

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

M&A

Investments

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

Frequently asked questions about Prestamype