What mesfix does

Mesfix is a Colombian fintech founded in 2014 that operates the country's first crowdfactoring marketplace, connecting businesses selling accounts receivable invoices with individual investors who purchase full or partial stakes in those invoices. The platform serves two primary customer segments: Colombian SMEs facing cash flow gaps from 30-180 day payment terms, and retail investors seeking higher yields than traditional banking products (advertised returns up to 17% E.A.). Invoice sellers can receive advances of up to 85% of face value; investors commit a minimum of 200,000 COP and can earn penalty interest of up to 22% E.A. on defaulted invoices. The platform has facilitated over 26 billion COP in cumulative invoice sales, with 4,000+ investors and 100+ selling companies across Retail, F&B, Manufacturing, Industrial, E-commerce, and Logistics. The business model is transaction-based: Mesfix charges brokerage commissions (corretaje) on each closed transaction plus fixed electronic transaction fees. The GTM is 100% digital via a self-service web marketplace, with payments processed through PayU and investor custody handled by Skandia Fiduciaria through an autonomous patrimony structure that allows Mesfix to operate without a financial entity license. Strategic partners include PayU, Skandia Fiduciaria, Fondo Nacional de Garantías, PTG Abogados, Endeavor Global, Colombia Fintech, and ANDI; institutional investors include the founder of PayU, Grupo Santo Domingo, InQlab, and IKON Banca de Inversión. The company is single-country (Bogotá-headquartered) and founded by Felipe Tascón.

Name

mesfix

Legal name

Mesfix S.A.S

Website

https://mesfix.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Mesfix is a Colombian fintech, founded in 2014, that operates the country's first crowdfactoring marketplace, connecting SMEs selling accounts receivable invoices with retail investors seeking yields above traditional banking products via a digital, commission-based platform.

Ownership category

akta.pro rank

Product category

Crowdfactoring / Accounts Receivable Marketplace

NAICS

Sales Financing (52222)

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Invoice Trading / Receivables Marketplace (P2P) (FSAKAHAH)

Keywords

• Crowdfactoring marketplace
• Accounts receivable trading
• Invoice investment platform
• Alternative investment Colombia
• Digital factoring services

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Brokerage Commission (Corretaje): Mesfix acts as a broker (corredor de facturas) connecting invoice sellers with investors. The company charges a brokerage commission that is pre-calculated and deducted from the displayed profitability rate, meaning it does not affect the net return shown on the platform. Commission is earned per transaction closed on the marketplace.
2. Electronic Transaction Fees: Buyers incur a fixed cost for electronic transactions which affects their net profitability. This fee is specified on the platform at the time of investment and is charged per transaction.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

Mesfix operates the first crowdfactoring marketplace in Colombia, an online platform that connects businesses selling their outstanding accounts receivable invoices with individual investors who purchase full or fractional stakes in those invoices in exchange for returns up to 17% E.A. Companies obtain liquidity of up to 85% of invoice value within 72 hours without incurring debt or affecting their credit capacity, while investors can start from 200,000 COP. All payments are processed end-to-end through the PayU payment gateway and held by Skandia Fiduciaria S.A., so Mesfix never directly handles money.

Product overview

Mesfix is a Colombian fintech company operating the first crowdfactoring marketplace in the country. Its core offering is an online marketplace connecting businesses that want to sell their outstanding invoices (facturas por cobrar) with a community of investors who purchase full or partial stakes in those invoices in exchange for returns. The platform consists of the Mesfix Marketplace (where invoices are listed and auctioned), the Factura Purchase product for investors, and the Invoice Sale product for businesses — all supported by a profitability calculator. The platform enables businesses to access liquidity (up to 85% of invoice value in ~72 hours) without incurring debt, while offering investors returns up to 17% E.A. All transactions are processed end-to-end through PayU payment gateway and reconciled via Skandia Fiduciaria S.A.

Differentiator

Problem solved

Functional benefit

Products and services

• Mercado Mesfix (Mesfix Marketplace) Online marketplace where Colombian businesses list outstanding invoices (facturas por cobrar) for fractional purchase by investors; investors browse, bid in auctions where the lowest rate wins, and purchase full or partial stakes in invoices in exchange for returns.
• Crowdfactoring Platform End-to-end digital platform enabling invoice sellers and investors to transact: sellers obtain working capital without incurring debt, and investors access invoice-purchase investment opportunities with returns up to 17% E.A. from a 200,000 COP minimum.
• Factura Purchase (Compra de Facturas) Investor-facing offering allowing individuals to purchase fractional or full stakes in invoices listed on the marketplace, earning returns (up to 17% E.A., up to 22% E.A. during delinquency) upon invoice maturity.
• Invoice Sale (Venta de Facturas) Seller-facing product enabling Colombian businesses to list outstanding invoices, attract investor bids through auctions, and receive advances up to 85% of invoice value in approximately 72 hours.

Quantifiable outcome

• Up to 17% E.A. returns for investors (vs ~7% for CDTs and ~9% for collective investment funds)
• +5 more outcomes

Named customers22 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core, flagship, supporting and regulatory.

• Skandia Fiduciaria S.A.coreTechnology or IntegrationSkandia Fiduciaria S.A. manages the autonomous heritage (patrimonio autónomo) through which all payments for platform operations are collected, disbursed, and transferred. Colombia Platform S.A.S. is linked to the Skandia Colombia Financial Conglomerate, but Skandia entities have no participation in Mesfix's administration, operation, or decision-making. The FIDUCENTRO Efectivo FIC fund is used for investment fund operations.
• PayUcoreTechnology or IntegrationPayU is the payment gateway integrated with the platform for processing all electronic transactions. All payments between investors and invoice sellers pass through PayU's infrastructure, ensuring Mesfix never directly handles money. PayU is the largest payment gateway in Colombia.
• Endeavor GlobalflagshipStrategic or Co-development PartnerMesfix was selected into the Endeavor Global network after passing a rigorous international selection panel (ISP) in Madrid, Spain in April 2019. Endeavor provides high-impact entrepreneurship support, mentorship, and global network access for scaling.
• Fondo Nacional de Garantías (FNG)coreOthersThe Fondo Nacional de Garantías provides guarantee support for some invoice operations on the platform, serving as an additional layer of protection for investors. FNG guarantees are disclosed in the marketplace for operations where they apply.
• PTG Abogados S.A.S.supportingImplementation/ SI/ Consulting PartnerPTG Abogados S.A.S. is the allied law firm that handles extrajudicial collection and legal proceedings for invoice payment recovery. They initiate and manage all legal actions including demand presentations in case of default, and maintain communication with all payment sources.
• Superintendencia de SociedadesregulatoryOthersMesfix is subject to inspection by the Superintendencia de Sociedades, which oversees compliance with Colombian law for commercial companies. Mesfix is not subject to Superintendencia Financiera oversight as it is not a financial entity but a commercial company dedicated to invoice brokerage.
• Colombia FintechsupportingStrategic or Co-development PartnerMesfix is an active member of Colombia Fintech, the national fintech association. Founder Felipe Tascón serves on the Colombia Fintech Board of Directors, contributing to industry advocacy, regulatory dialogue, and the broader fintech ecosystem in Colombia.
• ANDIsupportingStrategic or Co-development PartnerANDI (Asociación Nacional de Empresarios de Colombia) has recognized Mesfix with an award for helping small businesses with liquidity. ANDI serves as a major Colombian business association and ally for SME support initiatives.
• Cámara de Comercio de BogotásupportingStrategic or Co-development PartnerListed as an ally in the ecosystem supporting Mesfix's operations, providing business network access and institutional credibility in the Colombian business community.
• MinticsupportingOthersMinisterio de Tecnologías de la Información y las Comunicaciones (MinTIC) supports Mesfix through the Apps.co program and broader digital economy initiatives, positioning the company within Colombia's digital transformation agenda.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Traive: Brazil/US-based online marketplace connecting agricultural and SMB invoice sellers with institutional and retail investors. Operates a comparable fractional-invoice marketplace model in Latin America, making it one of the closest direct comparables to Mesfix's crowdfactoring approach.
• Liquid (formerly MarketInvoice): UK-based invoice finance marketplace that connects businesses seeking working capital with a pool of investors. Operates a near-identical auction-based invoice trading model as Mesfix, making it the strongest global peer in terms of product and business model alignment.
• Behalf: US-based B2B working capital platform offering invoice financing and short-term credit to small businesses. Comparable receivables-based financing experience with similar target customer profile of SMEs needing liquidity against unpaid invoices.
• Hokodo: European B2B invoice financing and trade credit platform serving SMBs and marketplaces. Comparable as a digital-first invoice financing platform with marketplace characteristics serving a similar underbanked SME segment.

Broad incumbents

• Bancolombia (Factoring): Colombia's largest bank with established factoring and receivables financing products for corporate and SME clients. Represents the traditional incumbent competing for the same SME receivables financing demand that Mesfix disrupts digitally.
• Banco de Bogotá (Factoring): Major Colombian bank offering factoring and working capital solutions to businesses. Competes in the same SME invoice financing category but through traditional banking infrastructure with higher minimums and slower processing.
• Davivienda: Colombian bank offering factoring and working capital products to SMEs and corporates. Broad incumbent in the same receivables financing market as Mesfix, with the resources to launch digital competitors if it chooses.

Emerging players

• Konfío: Mexican fintech providing working capital, credit, and banking services to SMBs. Targets a similar SME financing pain point in a neighboring Latin American market and serves as a model for what well-funded regional fintechs can build in invoice/working capital.
• Klar: Mexican digital bank offering credit, savings, and investment products to consumers and SMBs. Comparable as a digital-first Latin American fintech expanding into SME financial services with adjacent offerings.
• Clip: Mexican payments and SMB financial services platform. Adjacent fintech serving a similar SMB customer base in Latin America with evolving credit and working capital products, representing the type of well-capitalized competitor that could expand into invoice financing.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/mesfixsas
• YouTubeyoutube.com/channel/UCzV8qddvedBBFElMu7kYzcA
• Facebookfacebook.com/mesfixmercadoderecursosfinancieros
• LinkedInlinkedin.com/company/mesfixsas
• Instagraminstagram.com/mesfixsas

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 mesfix