Inversiones.io

What Inversiones.io does

Inversiones.io is a privately held Peruvian financial technology company that operates a 100% digital, SMV-authorised participatory financing platform connecting retail investors with social housing developers. Founded in 2018 by Simon Vacher (ex-IBM, Accenture) and Valentin Bonnet (ex-Natixis), the Lima-based company began operations in 2021 and obtained its operating licence via Resolución 048-2022-SMV/02 in May 2022. Since 2023 it has focused on financing vivienda social through short-term (3-6 month) bridge loans secured by the Bono Familiar Habitacional under the state Techo Propio programme, with a strategic alliance with Habitat for Humanity supporting the developer pipeline.

The platform is built around a COFIDE-administered fideicomiso (trust) for transparent cash-flow segregation, native iOS and Android applications, video electronic signatures under Ley 27269, and built-in SUNAT 2nd-category tax withholding automation. The company runs mandatory Ernst & Young cybersecurity audits required by the SMV and integrates with Peruvian credit bureaus (Infocorp, Equifax, Sentinel, Experian/Datacrédito, Xchange) and RENIEC for KYC. Investors can self-serve from a S/ 20 minimum ticket through the web platform or mobile apps, with optional Calendly and WhatsApp advisor support.

Inversiones.io monetises exclusively on the borrower side, charging transaction fees to housing developers/receptors while charging zero commissions to investors (who only bear the 5% SUNAT 2nd-category tax on interest). Reported scale metrics include more than S/ 80 million channelled since January 2024, over S/ 90 million cumulative, 200+ financed projects across multiple Peruvian regions, 10,000+ social housing units supported, and 1,200+ active monthly investors with a 7x average reinvestment rate, against historical investor returns of 20-30% annually on a bullet-quota structure.

Name

Inversiones.io

Legal name

Inversiones.Io Peru Sociedad Administradora de Plataforma de Financiamiento Participativo Financiero S.A.C.

Website

https://inversiones.io

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Inversiones.io is a Peruvian SMV-regulated crowdfunding platform that connects retail investors (from S/ 20) with social housing developers via short-term, Techo Propio BFH-backed bridge loans intermediated through a COF fideicomiso, charging fees only to developers.

Ownership category

akta.pro rank

Product category

Real Estate Crowdfunding Platform

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

Keywords

• Participatory financing platform
• Real estate crowdfunding
• Social housing finance
• Peer-to-peer lending
• Bridge loan marketplace

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Fees charged to recipients (borrowers/developers): The platform charges fees exclusively to the entities receiving financing (housing developers/promotores), not to investors. Investors pay zero commissions on deposit, investment or withdrawal; only SUNAT 5% 2nd-category tax on interest is deducted at source. Revenue is therefore tied to the volume and value of financing transactions routed through the platform.
2. Commissions on participatory financing operations: Per T&C, users (receptors and investors) owe commissions (Comisiones) to the platform as detailed in T&C, the Platform, and/or contractual documents, payable for the services provided.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Core offering

Inversiones.io operates a 100% digital, SMV-regulated participatory financial financing platform in Peru that connects retail investors with social housing developers through short- to medium-term bridge loans (typically 3-6 months) structured under a bullet-quota model with monthly interest payments and principal repaid at maturity. Project cash flows are administered via a COFIDE-managed trust (fideicomiso) backed by housing bonds (Bono Familiar Habitacional) under the Techo Propio program, with the company charging fees exclusively to the borrowers (housing developers/promotores) while investors pay zero commissions on capital, deposits, or withdrawals.

Product overview

Inversiones.io operates a single unified platform-plus-modules architecture. The Inversiones.io Platform is the core regulated crowdfunding product that intermediates short-term bridge financing between retail investors and Peruvian social housing developers. The Inversiones.io Mobile App extends the core platform to iOS and Android devices, while the Inversiones.io Gestión Patrimonial division sits alongside it as a wealth-management sub-brand that supports investors with advisory services. Together these offerings deliver an end-to-end, 100% digital participatory financing experience under SMV supervision and COFIDE-administered trusts.

Differentiator

Problem solved

Functional benefit

Products and services

• Inversiones.io Platform 100% digital, SMV-regulated participatory financial financing platform in Peru that connects retail investors with social housing developers via short-term bridge loans (typically 3-6 months) backed by housing bonds (Bono Familiar Habitacional) under a COFIDE-administered trust structure.
• Inversiones.io Mobile App Mobile companion to the Inversiones.io platform distributed on Google Play and the Apple App Store (iOS app id 6476239183), letting investors register, fund their digital wallet, browse investment opportunities, and monitor returns from their phone.
• Inversiones.io Gestión Patrimonial

Quantifiable outcome

• S/ 80M+ financed through the platform since January 2024
• +8 more outcomes

Named customers1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Briq: Mexico-based real-estate crowdfunding platform that intermediates short-term, project-backed loans between retail investors and real-estate developers. Closely comparable to Inversiones.io in model (P2P/project-backed, regulated, retail-facing), with the main difference being Mexico vs. Peru as the operating geography.
• Urbanitae: Spanish real-estate crowdfunding platform regulated under CNMV that connects retail investors with property developers through project-based participatory financings. Highly comparable regulated model and product structure to Inversiones.io.
• 100 Ladrillos: Latin American real-estate crowdfunding platform allowing retail investors to participate in property developments from small ticket sizes, similar to Inversiones.io's S/ 20 minimum. Highly comparable in investor onboarding mechanics, project selection, and target return profile.
• Wecity: Spain-headquartered crowdfunding platform with Latin American expansion that intermediates loans to real-estate promoters from retail investors. Comparable in regulatory positioning, project-backed lending structure, and investor protection features (e.g., segregated funds).

Broad incumbents

• Mintos: Large-scale P2P marketplace lending platform with diversified loan portfolios across geographies. Comparable business model (marketplace matching retail lenders to SME/consumer borrowers) but operates at much broader scale and lacks Inversiones.io's niche real-estate/social-housing focus.
• Funding Circle: Established UK-headquartered marketplace lending platform focused on small business loans. Comparable as a broad marketplace lender for SMEs, though it operates at materially greater scale and through a different regulatory regime than Inversiones.io.

Emerging players

• Kredito: Peruvian fintech focused on alternative credit and SME financing. Comparable emerging player in the Peruvian digital lending space, though with a different product focus (working-capital/online lending to merchants) versus Inversiones.io's real-estate bridge financing niche.

Regional players

• Inveslar: Argentina-based real-estate crowdfunding platform connecting individual investors with developers. Comparable product model to Inversiones.io but operates in a different geography and faces distinct currency/inflation dynamics.

Others

• Habitat for Humanity Peru: Non-profit strategic ally that drives project origination into Inversiones.io's platform. Functions as a distribution/ecosystem partner rather than a peer, but its priorities and project pipeline materially affect the platform's growth trajectory in social housing.
• COFIDE (Corporación Financiera de Desarrollo): Peruvian state development bank that already partners with Inversiones.io via the fideicomiso trust structure. Functions as a financial ecosystem participant and infrastructure counterparty rather than a competitor, but represents a critical institutional stakeholder whose priorities shape the platform's operating environment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@Inversionesio
• Facebookfacebook.com/Inversiones.io
• Instagraminstagram.com/inversiones.io
• LinkedInlinkedin.com/company/inversiones-io

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors

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 Inversiones.io