What Bemmbo does

Bemmbo was a Chile-based fintech founded in 2021 (listed as 2022 in some sources) that built a financial automation platform for small and medium enterprises (SMEs) in Chile. Its product automated collections (Cobranza), accounts payable and supplier payments (Pagos a Proveedores), expense reporting (Rendiciones), purchase orders (Compras), and bank reconciliation (Conciliación), with modules connected to a shared data layer that integrated with Chile's SII tax authority and 12+ ERP/accounting systems including Softland, Oracle NetSuite, Odoo, SAP, Defontana, Informat, Nubox, Clay, CHIPAX, bsale, and Manager.

The business ran on a B2B SaaS subscription model targeting Chilean SMEs, executed via direct sales, and employed 11–50 people. By the time of acquisition, Bemmbo reported serving over 100 SME clients and growing sales approximately fivefold over the prior two years, supported by a US$500,000 pre-seed round led by Platanus Ventures in 2023.

In August 2025, Bemmbo was acquired by Buk, a Chilean HR technology company, to launch the Buk Finanzas finance vertical. The entire Bemmbo team joined Buk, with founder Rodrigo Oyarzún leading Commercial and CTO Cristóbal Dotte leading Engineering for the new unit. Since the acquisition, the product is sold as part of Buk's broader HR + finance bundle across Chile, Colombia, Peru, Mexico, and Brazil.

Name

Bemmbo

Legal name

Bemmbo

Website

https://bemmbo.com

Company type

Private

Founded year

2021

Operating status

Acquired

Headcount range

11–50 employees

Short description

Bemmbo was a Chilean fintech, founded 2021, that automated collections, payables, expense reporting, and bank reconciliation for SMEs in Chile via a SaaS platform integrating with 12+ ERP and accounting systems. It was acquired by Buk in August 2025 and rebranded as Buk Finanzas.

Ownership category

akta.pro rank

Product category

Financial Operations Automation Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industries

Accounts Payable Automation & Supplier Payments (FSAGAJAD), Expense Management & Employee Reimbursements (FSAGAJAE), Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)

Keywords

• Accounts payable automation
• Accounts receivable software
• Collections management
• Expense reporting
• Bank reconciliation software

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Subscriptions: Bemmbo generated revenue through software subscriptions for its financial automation platform serving SMEs, including collections, payables, expense reports, and bank reconciliation services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Bemmbo provided a financial automation platform for SMEs that automated accounts receivable (collections), accounts payable (payments to suppliers), expense reporting (rendiciones), purchase orders, and bank reconciliations. The platform integrated with major ERP systems and Chile's tax authority (SII) to deliver end-to-end financial operations automation, including a digital wallet. Following the August 2025 acquisition by Buk, the offering now operates under the Buk Finanzas brand.

Product overview

Bemmbo was acquired by Buk in August 2025 and rebranded as Buk Finanzas, operating as a unified financial management platform for SMEs. The offering consists of an integrated suite of modules including Pagos a Proveedores (payments to suppliers), Rendiciones (expense reporting), Compras (purchase orders), Cobranza (collections management), and Conciliación (account reconciliation). These modules share a common data layer connected to SII (Chile's tax authority) and integrate with multiple ERP systems to provide end-to-end automation of accounts payable, accounts receivable, and expense management workflows.

Differentiator

Problem solved

Functional benefit

Products and services

• Buk Finanzas (formerly Bemmbo) Integrated financial management platform for SMEs automating collections, payables, expense reports, purchase orders, and bank reconciliations. Offered as the Buk Finanzas vertical after the Bemmbo acquisition.
• Pagos a Proveedores (Payments to Suppliers) Centralizes and automates payments to suppliers, payroll, and expense reimbursements with bank reconciliation and ERP-ready records for SMEs.
• Rendiciones (Expense Reporting) Manages funds assigned to collaborators and automates expense reporting workflows from any device with full traceability and approval control.
• Compras (Purchase Orders) Manages the complete purchase order lifecycle from request and approval through issuance and payment, including digital signatures and multi-currency support (CLP, USD, UF).
• Cobranza (Collections) Automates collections with customizable email reminders, personalized communications, and client portal for tracking invoice status.
• Conciliación Cuentas por Cobrar (Account Reconciliation) Automatically reconciles bank deposits with invoices using intelligent matching suggestions, supporting up to 90% one-click reconciliation accuracy.

Quantifiable outcome

• 5x revenue growth over two years

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature5 records

Partnerships

One partnership is on record.

• BukcoreStrategic or Co-development Partner · 1 August 2025Buk, a Chile-based HR tech company, acquired Bemmbo to enter the financial services space and launch Buk Finanzas. The full Bemmbo team joined Buk, with founder Rodrigo Oyarzún heading Commercial and CTO Cristóbal Dotte heading Engineering for Buk Finanzas.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Holded: Spain-based all-in-one ERP/CRM/finance platform for SMEs. Broader portfolio than Bemmbo but directly overlaps on invoicing, expense management, and bank reconciliation for the same SMB persona, and is expanding into Latin America.
• QuickBooks (Intuit): Global SME accounting software with invoicing, expense, and reconciliation features. Competes for the same SME finance automation wallet globally and increasingly in Latin America through cloud editions.
• Defontana: Chilean ERP/accounting suite for SMEs and larger businesses. Overlaps with Bemmbo's AP/expense modules and competes for the same Chilean SME software budget, often as a substitute rather than complement.

Direct peers

• Contalink: Mexico-based SaaS automating invoicing, collections, and accounting workflows for SMEs and accountants. Comparable product surface to Bemmbo (collections, expense reporting, reconciliation) for the same SME segment in a neighboring LatAm market.
• Bind: Chile-based SME corporate card and spend management platform. Closely comparable to Bemmbo on target customer (Chilean SMEs), use case (financial operations automation), and category (B2B fintech), making it the most direct regional competitor.
• Nubox: Chilean cloud accounting and payroll platform for SMEs and accountants. Overlaps directly with Bemmbo's expense reporting and financial reconciliation capabilities and shares the same Chilean SME segment.
• CuentaSimple (Defontana): Chilean SaaS for SME invoicing, collections, and basic accounting, now part of Defontana. Competes head-on with Bemmbo's Cobranza and Conciliación modules for the same Chilean SME buyer.
• Bsale: Chilean point-of-sale, e-invoicing, and collections software for SMEs. Directly competes with Bemmbo's invoicing/collections module and integrates with similar ERP partners in the Chilean market.

Emerging players

• Mendel: Mexico-headquartered B2B expense management and corporate card platform targeting LatAm SMEs. Closely comparable to Bemmbo's Rendiciones and Pagos a Proveedores modules and to the credit-on-top-of-payments roadmap Bemmbo planned.

Regional players

• Starkk: Chilean fintech offering digital accounts and payment tools to SMEs and individuals. Adjacent rather than direct — overlaps with Bemmbo's payments/collections rails but not its full AP/AR automation suite.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bemmbo

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 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 Bemmbo