RedCapital
RedCapital is a Chilean fintech crowdfunding platform that connects SMEs with individual investors through ML-analyzed invoice factoring and short-term loans, operating across Chile, Peru, and Colombia via a self-service digital marketplace.
- Company typePrivate
- Founded2015
- HeadquartersSantiago, Chile
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What RedCapital does
RedCapital is a Chilean fintech operating a digital crowdfunding platform that connects small and medium enterprises (PyMEs) seeking short-term financing with individual investors willing to fund invoices and working capital loans. Founded in 2015 and headquartered in Santiago, Chile, the company (legal entity RedCapital SpA) has expanded operations into Peru and Colombia via dedicated regional websites, serving borrowers through two primary products: FacturaCapital, an invoice factoring product with maximum 120-day terms where companies assign accounts receivable as collateral, and general working capital loans. The platform employs a product-led, self-service model where investors browse opportunities and borrowers submit financing requests, with onboarding and transactions handled digitally.
The platform's core technology is a Machine Learning-based credit viability analysis engine that processes structured financial data—including invoices, payment history, credit records, and company financials—to predict borrower payment behavior. The company claims this ML-driven underwriting yields a sub-1% bad debt rate. RedCapital also operates a sub-brand called CheckEmpresa (checkempresa.cl), a separate B2B platform serving large enterprises and financial institutions with client and supplier credit risk evaluation tools, diversifying its revenue base beyond consumer-facing crowdfunding.
RedCapital generates revenue through transaction fees on platform intermediation, acting exclusively as a technology intermediary and explicitly disclaiming credit risk assumption. The company holds ISO/IEC 27001 certification for information security and is in the process of registering with Chile's CMF under the crowdfunding platform registry (RPSF). To date, the company has raised approximately $5M across three funding rounds (2015 seed from Seedstars, 2019 and 2021 rounds led by HCS Capital) and maintains a team of 51-100 employees.
RedCapital firmographics
Firmographics- Name
- RedCapital
- Legal name
- RedCapital SpA
- Website
- https://redcapital.cl
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- RedCapital is a Chilean fintech crowdfunding platform that connects SMEs with individual investors through ML-analyzed invoice factoring and short-term loans, operating across Chile, Peru, and Colombia via a self-service digital marketplace.
- Ownership category
- akta.pro rank
RedCapital industry classification
Industry- Product category
- Alternative Lending / Crowdfunding Finance Platform
- NAICS
- Sales Financing (52222)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
- akta.pro secondary industry
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
Keywords
Where RedCapital is headquartered
LocationHeadquarters
- HQ city
- Santiago
- HQ country
- Chile
- HQ region
- Latin America
Offices1 record
Markets served
RedCapital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Crowdfunding Platform Intermediation: RedCapital acts as a technology intermediary connecting SMEs seeking financing with investors. The platform facilitates invoice factoring and short-term loans (up to 120 days) where businesses pledge receivables as collateral. Revenue is generated through fees charged for platform intermediation services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Platform access and investment facilitation |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
RedCapital product offering
Product offeringCore offering
RedCapital operates a digital crowdfunding platform that connects Chilean small and medium enterprises (PyMEs) seeking short-term financing with individual investors. Its core products include FacturaCapital invoice factoring (maximum 120-day terms) and short-term working capital loans, with underwriting supported by Machine Learning credit-viability analysis. A separate CheckEmpresa service provides enterprise credit risk evaluation for large companies and banks.
Product overview
RedCapital operates as a crowdfunding financing platform connecting Chilean SMEs with investors, offering multiple products including FacturaCapital (invoice factoring with 120-day maximum terms) and working capital loans. The platform leverages Machine Learning for credit analysis and risk assessment. A separate service called CheckEmpresa serves large enterprises and financial institutions with client and supplier risk evaluation tools.
Differentiator
Problem solved
Functional benefit
Products and services
- RedCapital Platform Online crowdfunding financing platform that connects SMEs seeking short-term capital with individual investors, using Machine Learning to analyze the viability of each financing request and predict borrower payment behavior.
- FacturaCapital Short-term credit product (maximum 120 days) where a company assigns its accounts-receivable invoices to RedCapital as collateral in exchange for immediate liquidity; the receivable is then crowdfunded to investors on the platform.
- CheckEmpresa
Quantifiable outcome
- Less than 1% bad debt rate (incobrables)
- +1 more outcomes
Companies that use RedCapital
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
RedCapital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature1 record
RedCapital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CheckEmpresa (checkempresa.cl)minorRelated platform service for large enterprises and banks to evaluate and manage credit risk of clients and suppliers. Operated separately from the main RedCapital crowdfunding platform but serves the broader risk management ecosystem.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
RedCapital competitors and assessment
Company assessmentBroad incumbents
- Funding Circle: Global P2P/SME lending marketplace with similar marketplace-and-fee business model; serves as the benchmark for what a scaled version of RedCapital could look like in more mature markets.
- Konfío: Mexico-based digital lender to SMEs using ML-based underwriting for working-capital and invoice-backed loans; comparable tech stack and product mix, though at significantly larger scale.
- LendingClub: US P2P lending pioneer now operating as a digital bank; provides a template for how a P2P marketplace can evolve into a broader balance-sheet lender and deposits franchise.
- Mercado Pago: LatAm's largest digital payments and merchant credit platform, increasingly extending into SME working-capital lending across Chile and the region; a formidable incumbent competitor.
Direct peers
- Cumplo: Chilean P2P/crowdfunding platform connecting SMEs seeking working capital with individual and institutional investors, offering invoice discounting and short-term loans — essentially the closest domestic competitor to RedCapital.
- Becual: Latin American (Mexico-rooted) P2P invoice-discounting platform for SMEs, directly comparable to RedCapital's FacturaCapital product and target segment.
- Afluenta: Argentina-based P2P lending marketplace serving SMEs and consumers across multiple LatAm countries; shares RedCapital's marketplace model and SME focus, though with different geographic anchoring.
Regional players
- Clara: Latin American corporate spend management and credit platform offering working-capital solutions to SMEs; adjacent in product but competes for the same SME finance wallet.
- Kueski: Mexican online lender using ML-based underwriting for consumer and SME credit; comparable ML-driven alternative lending approach in a neighboring LatAm market.
Emerging players
- Destácame: Chilean fintech using alternative data for credit scoring and SME lending; comparable ML/alternative-data credit infrastructure angle and Chilean market presence.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
RedCapital social profiles
Digital presenceRedCapital compliance and trust
Trust signalCompliance1 record
RedCapital financial estimates
Financial estimateRevenue estimate
Valuation estimate
RedCapital leadership team
Management profileNumber of profiles
Profiles3 records
RedCapital funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RedCapital 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 RedCapital
What does RedCapital do?
RedCapital operates a digital crowdfunding platform that connects Chilean small and medium enterprises (PyMEs) seeking short-term financing with individual investors. Its core products include FacturaCapital invoice factoring (maximum 120-day terms) and short-term working capital loans, with underwriting supported by Machine Learning credit-viability analysis. A separate CheckEmpresa service provides enterprise credit risk evaluation for large companies and banks.
Is RedCapital a public or private company?
RedCapital is a private company. It is classified as venture growth investor backed and is currently operating.
When was RedCapital founded?
RedCapital was founded in 2015. It employs 51 to 100 people.
Where is RedCapital based?
RedCapital is headquartered in Santiago, Chile, in the Latin America region.
How does RedCapital make money?
One revenue line is on record: crowdfunding Platform Intermediation.
Who are RedCapital's main competitors?
Broad incumbents on record are Funding Circle, Konfío, LendingClub and Mercado Pago. Direct peers are Cumplo, Becual and Afluenta. Regional players are Clara and Kueski. Destácame is listed as an emerging player.
Does RedCapital have an API?
No public API is recorded for RedCapital.
What industry is RedCapital in?
RedCapital's product category is Alternative Lending / Crowdfunding Finance Platform. Its primary akta.pro industry code is FSAKAHAL, P2P Loan Syndication & Participation Platforms, with a secondary code of FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing). Its NAICS code is 52222 and its SIC code is 6163.