What Levannta does

Levannta SpA is a Chilean fintech founded in 2022 that provides working-capital and contract-advance financing to small and medium-sized businesses with recurring revenue profiles. The company serves three primary customer segments: SaaS and subscription-based businesses that need to monetize long-duration contract cash flows (Contracting product, up to 24 months of future revenue); physical stores and ecommerce merchants that accept card payments and need flexible credit tied to daily sales (Crédito Comercio, up to 12 months); and B2B service companies with recurring client invoices (Capital de Trabajo, short-term invoice advances up to 3x value). Through its Levannta Connect product, the firm extends its credit engine as a white-label API to marketplaces that want to offer financing to their sellers, with Levannta assuming 100% of the credit risk.

The underlying platform integrates directly with Chilean payment processors (Transbank, Mercado Pago, Klap, Flow, Venti) and the SII tax authority to assemble a real-time financial profile of each borrower, enabling credit decisions in under 72 hours without traditional collateral. Repayment is automated through PAC (Pago Automático a Cuenta), which deducts a percentage of the merchant's daily sales via the integrated payment processors, dynamically aligning debt service with revenue volatility. The company is ISO 27001 certified (achieved February 2025) and ISO 9001 certified via IQNET, both relevant to Chilean CMF regulatory expectations for fintech lenders.

Levannta generates revenue primarily through transaction-based fees: interest, service fees, and a percentage-of-sales component on each financing line. As of the latest available data, the platform has over 2,000 registered companies, 600+ credits disbursed, and approximately $30 billion CLP (~$30M USD) in cumulative financing originated. The company is venture-backed, having closed a $2.5M equity round led by Manutara Ventures alongside an $8M debt facility from Ameris Capital in December 2023, with proceeds directed at team expansion, sales and marketing scale-up, and international expansion beyond Chile.

Name

Levannta

Legal name

Levannta SpA

Website

https://levannta.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Levannta is a Chilean fintech that lends against recurring revenue, offering contract advances (up to 24 months), card-sale-based commerce credit, and short-term working capital to SaaS, ecommerce, and service SMBs, with a white-label API for marketplaces.

Ownership category

akta.pro rank

Product category

Alternative Business Lending

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Loan Brokers (6163)

akta.pro primary industry

Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL)

akta.pro secondary industry

Developer Tooling & SDKs for Payments (Gateway Tooling) (FSAMACAL)

Keywords

• Revenue-based financing
• Contract advance lending
• SaaS working capital
• Merchant cash advance
• White-label credit platform

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financing Interest and Fees: Levannta charges interest and service fees on the financing amounts disbursed to businesses. The pricing includes a percentage of sales as payment (e.g., 10% PSP retention), service fees, and interest rates that vary based on industry risk, financial health, and contract recurrence.
2. Commerce Credit (Crédito Comercio): Revenue generated from flexible credit lines for physical and online stores accepting card payments. Businesses pay with a percentage of their daily sales, avoiding fixed installments that could strain cash flow.
3. Contracting (Advance on Contracts): Revenue from advancing capital against future contract flows for SaaS and B2B service companies. Payment is made through PAC or invoice cession, with interest and service fees based on the contract value and credit evaluation.
4. Levannta Connect (Marketplace White-label): Revenue share model where marketplaces receive a share of the revenue generated from each credit extended to their sellers. Levannta assumes 100% of the credit risk while the marketplace earns revenue without capital outlay.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Levannta is a Chilean fintech platform that provides digital financing to businesses with recurring revenue streams, including SaaS companies, B2B service firms, physical stores, and e-commerce merchants. Its core products advance capital against future contracts and subscriptions (Contracting) or against card sales (Crédito Comercio), with repayment structured as a percentage of daily sales. The company also offers Levannta Connect, a white-label API-driven platform that enables marketplaces to embed credit offerings for their sellers.

Product overview

Levannta is a Chilean fintech platform offering two core financing products — Contracting (advance payments on B2B service contracts and subscriptions, up to 24 months) and Crédito Comercio (flexible card-sale-based credit for physical and online retailers) — plus Capital de Trabajo as a short-term working capital sub-product. All products share a 100% digital process, automated risk evaluation, and repayment as a percentage of daily sales via PAC (automatic payment authorization). The Levannta Connect platform extends the offering to marketplace operators as a white-label, API-first credit module where Levannta absorbs full credit risk. The portfolio collectively targets SMEs, SaaS companies, subscription businesses, service firms, and ecommerce merchants needing liquidity based on their recurring revenue streams.

Differentiator

Problem solved

Functional benefit

Products and services

• Contracting (Anticipo de Contratos) Financing product that enables SaaS companies and B2B service businesses to advance up to 24 months of recurring contract and subscription cash flows, converting future revenue into immediate liquidity, with a 100% digital process and approval in under 72 hours.
• Crédito Comercio Flexible credit line of up to 12 months for physical and online merchants accepting card payments, allowing businesses to finance inventory and operations by converting card sales into immediate capital, with repayment as a percentage of daily sales and no fixed installments.
• Capital de Trabajo Short-term working capital credit for service companies with recurring billing, advancing invoices up to 3 times their value through PAC (Pago Automático a Cuenta) or invoice cession, with 100% digital process and approval in under 72 hours.
• Levannta Connect White-label API platform that enables marketplaces to integrate seller sales data, apply automated risk models to generate personalized credit offers, and manage automatic repayment as a percentage of sales; Levannta assumes 100% of the credit risk while the marketplace earns a revenue share.

Quantifiable outcome

• Client base grew from 50 to 280 customers within one year
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Marketplace Sellers (via Levannta Connect)coreTechnology or IntegrationMarketplace sellers access financing through Levannta Connect API integration. Sellers receive pre-approved credit offers based on their sales history in the marketplace platform.
• Payment Processors (Transbank, Mercado Pago, Klap, Flow, Venti)coreTechnology or IntegrationLevannta integrates with Chilean payment processors to access sales data for credit assessment. The platform connects to Transbank (card payments), Mercado Pago, Klap, Flow, and Venti for real-time sales information.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Xepelin: Chile- and Mexico-headquartered B2B fintech providing working capital, credit lines, and corporate cards to SMBs across LatAm. Closest direct competitor given overlapping geography, customer segment (SMBs with recurring revenue), and credit-product model.
• Pipe: Pioneered revenue-based financing and recurring-revenue trading for SaaS companies. Direct comparable on the Contracting product (advancing against future SaaS/contract revenue), with similar business model though a more global footprint.
• Capchase: Provides revenue-based financing specifically to SaaS and subscription businesses by advancing against ARR. Direct peer on Levannta's Contracting value proposition, targeting the same recurring-revenue customer profile.
• Tribal: Mexico-based B2B fintech issuing corporate credit cards and working-capital lines to SMBs in LatAm. Comparable on SMB underwriting, recurring-revenue data integration, and white-label/embedded finance for marketplaces.
• Kapital: Mexican fintech combining treasury, banking, and credit services for SMBs. Comparable target customer (SMBs with operating cash flow) and use of sales-based data for credit decisions.
• Clara: LatAm B2B fintech offering corporate cards, expense management, and credit for SMBs. Comparable in SMB underwriting approach, integrations with payment rails, and rapid disbursement.
• R2 (formerly Konfío): Mexican SMB lending platform originating working capital and credit lines to SMEs. Comparable in alternative-data underwriting and SMB-segment focus across LatAm.

Emerging players

• Parafin: US-based embedded financing infrastructure enabling platforms to offer working capital to SMBs via APIs. Comparable in white-label, API-first embedded-credit architecture analogous to Levannta Connect.
• Resolve: B2B embedded financing platform providing net-terms and working capital to SMBs through software integrations. Comparable in embedded-credit architecture and SMB recurring-revenue underwriting.
• Founderpath: Provides revenue-based financing and growth capital to SaaS founders against their MRR. Direct comparable to Levannta's Contracting product on customer profile and underwriting methodology.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/levannta
• Instagraminstagram.com/levanntacom

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds4 records

Investors2 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 Levannta