Yotepresto
- Company typePrivate
- Founded2019
- HeadquartersGuadalajara, Mexico
- Headcount1–10
- GTM typeB2C
- OfferingServices
Yotepresto firmographics
Firmographics- Name
- Yotepresto
- Legal name
- Comunidad de Préstamos, S.A.P.I. de C.V.
- Website
- https://yotepresto.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Yotepresto industry classification
Industry- Product category
- Peer-to-Peer Consumer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK), P2P Loan Servicing & Collections (Marketplace-Specific) (FSAKAHAN)
Keywords
Where Yotepresto is headquartered
LocationHeadquarters
- HQ city
- Guadalajara
- HQ country
- Mexico
- HQ region
- Latin America
Offices1 record
Markets served
Yotepresto business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Others
Revenue model
- Interest Rate Spread: Yotepresto acts as an intermediary between borrowers and investors, charging interest rates to borrowers (8.9% to 38.9% annual) while paying investors a lower yield (15.8% average annual). The difference constitutes the primary revenue stream.
- Platform Commission: The platform charges investors a 1% fee on payments received. This is the only commission charged, deducted automatically from investor returns.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Personal loans from $10,000 to $425,000 MXN |
| Unit Pricing | Pay-as-you-go | Minimum investment starting from $200 MXN per loan |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Yotepresto product offering
Product offeringCore offering
Yotepresto operates a peer-to-peer (P2P) lending marketplace that matches Mexican consumers seeking personal loans ($10,000–$425,000 MXN, fixed rates 8.9%–38.9% annual, 6–36 month terms) with individual lenders who fund those loans starting from $200 MXN per loan. The platform functions as a regulated Institución de Financiamiento Colectivo (IFC) under Mexico's Fintech Law and earns revenue on the spread between borrower rates and investor yields plus a 1% commission on investor payments received.
Product overview
Yotepresto is a P2P lending fintech platform that operates as an "Institución de Financiamiento Colectivo" (Collective Financing Institution) regulated by CNBV, Condusef, and Banxico. The platform connects borrowers seeking personal loans with individual investors looking for higher-yield investment opportunities. The core product ecosystem consists of two main offerings: Personal Loans (Préstamos Personales) for borrowers ranging from $10,000 to $425,000 MXN at rates from 8.9% to 38.9%, and the P2P Investment platform allowing investors to lend starting from $200 MXN with average yields of 15.8%. These are supported by complementary tools including VivoLibre for debt consolidation, loan and investment simulators, a help center, and mobile apps for investors. The company also publishes educational blog content and market research reports on credit cards.
Differentiator
Problem solved
Functional benefit
Products and services
- Préstamos Personales (Personal Loans)
Quantifiable outcome
- Borrowers save approximately 50% in interest compared to credit card rates
- +3 more outcomes
Companies that use Yotepresto
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Yotepresto technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Yotepresto partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CONDUSEFcoreCONDUSEF (Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros) is the Mexican consumer protection agency for financial services. Yotepresto is registered in SIPRES and authorized to operate as an IFC under CONDUSEF supervision. The company received CONDUSEF's highest transparency rating for collective financing products in 2024.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Yotepresto competitors and assessment
Company assessmentDirect peers
- Kueski: Mexico's largest online consumer lender offering personal loans and BNPL. Directly comparable in product (unsecured personal loans to Mexican consumers), geography, and digital-first GTM motion — and Yotepresto's closest head-to-head competitor.
- Stori: Mexico-focused fintech issuing credit cards to underbanked consumers. Targets a similar near-prime/sub-prime borrower segment with unsecured credit, competing directly for Yotepresto's debt-consolidation use case.
- LendingClub: US-based P2P lending marketplace for personal loans. Closest international analogue in pure business model (marketplace connecting individual borrowers with retail investors), useful for benchmarking unit economics and platform dynamics.
- Prosper Marketplace: US P2P consumer lending platform that matches borrowers with individual investors. Same marketplace structure, similar target borrower profile, and comparable fee-and-spread revenue model.
- Zopa: UK's original P2P lending platform, now a fully regulated digital bank. Demonstrates the trajectory from P2P marketplace to licensed bank, useful as a strategic roadmap comparator for Yotepresto.
Broad incumbents
- Klar: Mexican neobank offering personal credit products alongside deposits and payments. Competes with Yotepresto for consumer credit demand but operates a broader financial product suite and is more heavily capitalized.
- Konfío: Mexico's largest fintech lending platform, focused on SMEs. Same regulatory jurisdiction and digital underwriting approach, but serves businesses rather than individuals — broader incumbent overlap.
- Nubank Mexico: Latin American neobank with significant Mexican operations offering personal loans and credit cards. Operates at massive scale with a broad product portfolio, competing for the same retail credit customers.
Emerging players
- Albo: Mexican consumer fintech offering credit cards and personal credit lines. Competes in the same Mexican retail credit market with a more product-led digital experience, though at earlier scale than Yotepresto's user base.
Others
- Zenfi: Mexican fintech partner that jointly raised $8.5M with Yotepresto in January 2023 and shares leadership. Operates an adjacent financial health product rather than directly competing, but the shared capital, personnel, and brand linkage make it a key ecosystem peer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Yotepresto social profiles
Digital presenceYotepresto compliance and trust
Trust signalCompliance5 records
Yotepresto financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yotepresto leadership team
Management profileNumber of profiles
Profiles4 records
Yotepresto funding detail
Funding detailFunding overview
Funding rounds7 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yotepresto 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 Yotepresto
What does Yotepresto do?
Yotepresto operates a peer-to-peer (P2P) lending marketplace that matches Mexican consumers seeking personal loans ($10,000–$425,000 MXN, fixed rates 8.9%–38.9% annual, 6–36 month terms) with individual lenders who fund those loans starting from $200 MXN per loan. The platform functions as a regulated Institución de Financiamiento Colectivo (IFC) under Mexico's Fintech Law and earns revenue on the spread between borrower rates and investor yields plus a 1% commission on investor payments received.
Is Yotepresto a public or private company?
Yotepresto is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yotepresto founded?
Yotepresto was founded in 2019. It employs 1 to 10 people.
Where is Yotepresto based?
Yotepresto is headquartered in Guadalajara, Mexico, in the Latin America region.
How does Yotepresto make money?
Two revenue lines are on record. Interest Rate Spread is the primary driver. The others are platform Commission.
Who are Yotepresto's main competitors?
Direct peers on record are Kueski, Stori, LendingClub, Prosper Marketplace and Zopa. Broad incumbents are Klar, Konfío and Nubank Mexico. Albo is listed as an emerging player. Zenfi is listed as an others.
Does Yotepresto have an API?
No public API is recorded for Yotepresto.
What industry is Yotepresto in?
Yotepresto's product category is Peer-to-Peer Consumer Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its NAICS code is 52231 and its SIC code is 6163.