What Kredito does

Kredito SpA is a Chilean fintech founded in 2018 that provides integrated digital financing and banking services to small and medium-sized enterprises (SMEs) and entrepreneurs in Chile. Its product portfolio includes working capital loans of up to 50 million CLP (Capital de Trabajo), digital invoice factoring (Adelanto de Facturas), a digital business account called Cuenta Empresa with a virtual prepaid Mastercard, and K-Insights, a free financial management dashboard for sales, purchases, and margin reporting.

The company's core technical differentiator is proprietary AI-based credit risk assessment integrated directly with Chilean government systems — SII (Servicio de Impuestos Internos) for tax and sales data and Previred for payroll and social security records — enabling automated credit evaluation in minutes without branch visits. Kredito claims up to 50% faster processing relative to legacy workflows. Loan funds are administered by AGF Link Capital Partners, regulated by the CMF, and Kredito itself is registered as a CMF payment card issuer. The platform runs on AWS infrastructure (recognized as an AWS Case of Success in 2020) and operates entirely self-serve via web and mobile.

Kredito employs a primarily product-led, self-serve GTM model targeting the long tail of Chilean SMEs that are typically rejected or underserved by traditional banks. Revenue is generated from interest on working capital loans, transaction fees on factoring, and a fixed monthly fee on Cuenta Empresa, with K-Insights offered free as a customer acquisition and engagement layer. The company has raised $10 million in total across two rounds (a $4 million pre-seed in May 2021 and a $6 million round in December 2022), is certified as a B Corporation, and lists Grupo Penta, Mastercard, AWS, BCI, and CCS among its strategic partners.

Name

Kredito

Legal name

Kredito SpA

Website

https://kredito.cl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Kredito is a Chilean fintech providing AI-powered working capital loans, digital invoice factoring, business banking accounts with prepaid Mastercard, and free financial management tools to small and medium-sized enterprises in Chile, leveraging direct integrations with SII tax and Previred payroll data for automated credit assessment.

Ownership category

akta.pro rank

Product category

SME Digital Lending & Banking

NAICS

Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industries

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE), Accounts Payable Automation & Supplier Payments (FSAGAJAD)

Keywords

• SME lending
• Invoice factoring
• Working capital loans
• Digital business banking
• SME fintech

Headquarters

HQ city

Lo Barnechea

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Working Capital Loans: Interest-bearing loans provided to SMEs with 100% online application process. Funds are administered by AGF Link Capital Partners, regulated by CMF.
2. Factoring / Invoice Advance: Digital factoring service that allows businesses to advance payment of their invoices for immediate liquidity.
3. Empresa Account: Monthly fixed fee account with up to $100 million pesos capacity, virtual prepaid Mastercard for online payments and transfers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Kredito is a Chilean fintech that provides 100% digital financial services to small and medium-sized businesses (SMEs/Pymes), including working capital loans up to $50 million CLP, digital invoice factoring (advance payment on receivables), a digital business account with a prepaid Mastercard, and a free financial management dashboard (K-Insights). Credit decisions are powered by proprietary AI risk models that integrate directly with Chilean government data sources (SII tax authority and Previred payroll system) for automated financial evaluation.

Product overview

Kredito is a Chilean fintech offering an integrated digital banking and financing platform for SMEs. The core product portfolio includes: Factoring for invoice advance payments, Cuenta Empresa as a digital business account with a Mastercard prepaid card, working capital loans (Créditos Capital de Trabajo) up to $50 million, and K-Insights as a complimentary financial management dashboard. All products are fully digital, requiring no branch visits, and leverage AI-powered credit risk assessment by connecting to SII and Previred data sources.

Differentiator

Problem solved

Functional benefit

Products and services

• Factoring (Adelanto de Facturas) Digital invoice factoring service that allows SMEs to advance payment on their outstanding invoices for immediate liquidity. Users connect their SII (tax authority) account, select invoices to advance, receive a quote within minutes, and get funds deposited to their account. Funds are administered by AGF Link Capital Partners, regulated by the CMF.
• Cuenta Empresa Digital business account opened 100% online with no minimum sales or business tenure requirements. Provides a virtual Mastercard prepaid card for online payments, third-party transfers, payroll processing, and account balances up to $100 million CLP with a fixed monthly price and no hidden fees.
• Tarjeta Mastercard Prepago Empresa Virtual prepaid Mastercard card for businesses enabling purchases at national and international online merchants. Issued in partnership with Mastercard and tied to the Cuenta Empresa digital account; Kredito SpA is authorized to issue payment cards and is registered with the CMF.
• Créditos Capital de Trabajo Working capital loans of up to $50 million CLP for SMEs, processed 100% online without branch visits. The application connects to SII and Previred for automated credit evaluation using AI risk algorithms; CAE (Carga Anual Equivalente) and monthly interest are shown during simulation. Without a Previred connection the maximum loan amount is $5 million CLP.
• K-Insights Free financial management and reporting tool that provides sales reports, purchase analysis, margin tracking, growth metrics, supplier rankings and financial projections by connecting to SII and Previred data. Features include IVA Crédito/Débito tracking, monthly growth comparison, and accumulated sales data.

Quantifiable outcome

• Up to 50% faster operation processing speed with AI risk models
• +3 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Grupo PentacoreStrategic or Co-development Partner · 1 December 2022Partnership with Grupo Penta, a holding company linked to Chilean entrepreneurs. The companies are working on a new financial product for SMEs expected to launch in early 2023. This represents a significant strategic alliance for product development.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS case of success demonstrating use of AWS Step Functions for building fintech technology with cost efficiency comparable to large enterprises and banks.
• MastercardcoreTechnology or IntegrationPartnership for issuing prepaid Mastercard cards for business accounts, enabling domestic and international purchases.
• Total AbogadosminorStrategic or Co-development PartnerLegal services alliance to help customers resolve business legal problems through the Kredito platform.
• Valor PymeminorGTM or Marketing PartnerValue Pyme community partnership offering SMEs tools to develop projects, improve financial health, access new clients, and reach larger markets. Includes 25% discount on UC business management course.
• CCS (Cámara de Comercio de Santiago)minorGTM or Marketing PartnerTechnology and financial industry partner shown in website branding.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Clara: Mexico-based corporate cards and spend management platform for SMEs; directly comparable to Kredito's Cuenta Empresa + Mastercard prepaid offering for underserved Latin American SMBs.
• Cumplo: Chilean fintech operating a SME lending and factoring marketplace connecting businesses with individual investors; directly comparable as a Chile-based SME financing platform with a digital onboarding model similar to Kredito.
• Konfío: Mexico's leading digital lending platform for SMEs providing working capital loans and credit assessment using alternative data; the closest LatAm analogue to Kredito in targeting underbanked SMBs with AI-driven underwriting.
• Jeeves: LatAm cross-border corporate card and payments startup serving SMEs across Mexico, Colombia, and beyond; comparable to Kredito in providing SMBs with digital accounts, corporate cards, and integrated financial tools.
• Tribal Credit: B2B credit card and financing provider for SMEs across Mexico and emerging LatAm markets; comparable to Kredito in extending working capital and credit products to underbanked SMBs through digital-first underwriting.

Regional players

• Tenpo: Chilean digital neobank offering prepaid accounts, transfers, and consumer credit; comparable to Kredito as a Chilean digital-first financial services provider targeting similar underbanked segments domestically.

Broad incumbents

• BancoEstado: Chilean state-owned commercial bank offering SME lending, accounts, and digital services at massive scale; the incumbent financial institution Kredito competes against in the Chilean SME credit market.

Emerging players

• Cora: Brazilian digital SMB banking platform providing business accounts, transfers, and credit products; partially comparable to Kredito as a digital-first SME banking model expanding in Latin America.
• Stori: Mexican consumer and SMB credit card fintech using AI underwriting on alternative data for underbanked customers; comparable in AI-driven credit decisioning and targeting previously rejected borrowers in LatAm.

Others

• Mambu: Core banking-as-a-service platform used by digital lenders and neobanks globally; relevant ecosystem participant enabling SME fintechs like Kredito to deploy lending and account products without building infrastructure from scratch.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Kreditocl-102548517783870
• LinkedInlinkedin.com/company/somoskredito
• Instagraminstagram.com/kredito.cl

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors5 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 Kredito