What PLATAFORM does

PLATAFORM (legally Colombia Plataform S.A.S) is a Colombian fintech headquartered in Bogotá that provides alternative working capital financing to small and medium enterprises through a digital platform. The company operates primarily through its affiliated Mesfix sub-brand platform at mesfix.com and offers four core products: Crowdfactoring (crowdfunding-based accounts receivable financing), Factoring bancario, Factoring privado, and Confirming (supplier payment management). As of the most recent disclosure, PLATAFORM has facilitated financing for over 1,500 Colombian businesses with cumulative volume of approximately 475 billion Colombian pesos.

The company's underlying technology is described as a digital fintech platform combining crowdfactoring and confirming products, with proprietary features centered on a crowdfunding-based factoring architecture that connects multiple funders with SMEs holding accounts receivable. Distribution is digital-first and product-led: customers sign up via mesfix.com, with WhatsApp, phone, and email as supplementary assisted channels. PLATAFORM holds ISO 27001 certification (certificate CO23/00000186) issued by SGS in 2023, providing a third-party validated security and compliance foundation for processing financial data.

PLATAFORM generates revenue through transaction fees on factoring and confirming transactions, with pricing structured on a quote/negotiated basis rather than publicly disclosed tiers. The company is privately held, operates exclusively within Colombia, and has no disclosed outside investors or funding rounds. Its strategic positioning emphasizes "barrier-free" financing as an alternative to traditional Colombian banking for SMEs facing extended payment cycles (up to 180 days) and limited access to conventional working capital products.

Name

PLATAFORM

Legal name

Colombia Plataform S.A.S

Website

https://plataform.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

PLATAFORM is a Colombian fintech that provides alternative working capital financing to small and medium enterprises via a digital platform (mesfix.com), offering crowdfactoring, confirming, and factoring products and having financed over 1,500 SMEs with cumulative volume of ~475 billion Colombian pesos.

Ownership category

akta.pro rank

Product category

Alternative Financing / SME Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Alternative financing
• Crowdfactoring services
• Supplier confirming
• SME liquidity solutions
• Invoice factoring platform

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring and Crowdfactoring fees: The company generates revenue through fees charged on factoring transactions. Businesses pay to accelerate payment on their accounts receivable, with the platform facilitating the transaction between businesses and funding sources.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

PLATAFORM is a Colombian fintech that provides alternative financing solutions to SMEs through crowdfactoring (crowdfunding-based invoice factoring) and confirming (supplier payment management) products. The company connects businesses with accounts receivable or payable to multiple funding sources via the mesfix.com digital platform, enabling upfront liquidity on outstanding invoices and management of supplier payments. The platform targets the working capital gap caused by extended payment terms of up to 180 days in B2B commerce in Colombia.

Product overview

PLATAFORM is a Colombian fintech company offering alternative financing solutions for businesses. The company operates a platform-plus-products architecture centered on liquidity solutions, primarily factoring and confirming services. The core product portfolio includes Crowdfactoring (crowdfunding-based accounts receivable financing), Factoring bancario (banking factoring), Factoring privado (private factoring), and Confirming (supplier payment management). The company connects businesses with funding sources to accelerate access to financing for the business base, supporting economic growth and development.

Differentiator

Problem solved

Functional benefit

Brands

• Mesfix: Digital lending platform providing financing solutions including crowdfactoring and confirming products for Colombian businesses.

Products and services

• Crowdfactoring Crowdfunding-based factoring alternative that enables Colombian businesses to access early payment on their accounts receivable invoices, providing immediate liquidity for operational needs, raw material purchases, meeting business obligations, and supporting growth. The product connects businesses with multiple funders through the PLATAFORM platform to advance payment on invoices, with the company handling collection management so the business does not need to invest internal resources in receivables management. The operation does not affect the company's debt capacity.
• Confirming Financial product enabling companies to manage payments to suppliers without affecting their own liquidity, allowing suppliers to receive payments before the due date. The product provides benefits including early payment discounts, stronger supplier relationships, the ability to negotiate and extend payment terms, time savings, and centralized payment administration.

Quantifiable outcome

• +1500 companies financed with +475 billion pesos in total financing volume

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Mesfix S.A.ScoreStrategic or Co-development PartnerMesfix S.A.S is an integral strategic partner within the PLATAFORM ecosystem. PLATAFORM and Mesfix operate jointly, with mesfix.com serving as the primary digital platform for customer acquisition and financing transactions. The legal entity Colombia Plataform S.A.S is affiliated with Mesfix S.A.S for data processing purposes, and both entities collaborate on financing operations in Colombia.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Mesfix: Mesfix is PLATAFORM's own transaction platform (mesfix.com) and operates as the customer-facing digital funnel for crowdfactoring and confirming. Listed separately to show the internal platform relationship rather than as an external competitor.
• addi: addi is a Colombian fintech offering credit and BNPL products to consumers and businesses. It is a direct peer in the Colombian market targeting similar digital-first SMB and consumer financing customers, though focused on point-of-sale credit rather than receivables factoring.

Broad incumbents

• Konfío: Konfío is a leading Mexican fintech providing working capital and financing solutions to SMEs. It is a broad incumbent in the LatAm SME alternative financing space, comparable in target customer (SMBs) and product category (working capital) though operating in Mexico rather than Colombia.
• Creditas: Creditas is a large Brazilian asset-backed lending platform offering consumer, auto, and home equity loans. It is a broad incumbent in LatAm alternative lending using technology to underwrite and serve borrowers, comparable in category though operating in Brazil.

Emerging players

• Jeeves: Jeeves provides cross-border corporate cards and financing for businesses across Latin America. It is an emerging player in LatAm SMB working capital, with a comparable digital-first, alternative-financing orientation for businesses.
• Clara: Clara offers corporate cards and spend management with embedded financing for businesses in Mexico and broader LatAm. It competes for the same SME working capital wallet as PLATAFORM, with an emphasis on digital onboarding and embedded credit.
• Kueski: Kueski is a Mexican fintech providing consumer and SMB credit through digital underwriting. It is comparable as a LatAm alternative lender using digital channels to extend credit to underbanked customers outside traditional banks.
• Tribal: Tribal provides SMB credit cards and working capital solutions across Latin America. It targets similar SMEs seeking non-bank financing with a digital-first model, making it a comparable emerging player in the regional SMB credit space.
• R2: R2 is a LatAm embedded finance platform providing SMB financing and credit infrastructure. It is comparable to PLATAFORM in serving SMBs with alternative, non-bank financing, though focused on embedded B2B credit rather than crowdfactoring.
• Bold.co: Bold.co is a Colombian fintech providing payments, banking, and financial solutions for businesses. It is comparable as a Colombia-based digital fintech serving SMEs with alternative financial services, although its core product is payments rather than factoring.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Plataform.Col
• LinkedInlinkedin.com/company/plataform
• Instagraminstagram.com/plataform_colombia/?igshid=OGQ5ZDc2ODk2ZA%3D%3D
• TikToktiktok.com/@plataform_colombia

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

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 PLATAFORM