Zinobe

What Zinobe does

Zinobe is a Colombian digital financial services company headquartered in Bogotá that operates a data-driven credit platform targeting underserved individuals and micro, small, and medium enterprises (mipymes). The company reports disbursing more than one million credits across all 32 departments of Colombia, leveraging proprietary risk evaluation models that re-engineer traditional underwriting frameworks to extend credit access to thin-file and unbanked populations. Its stated mission is to break down traditional barriers to financial product access using data and technology, positioning itself within the Latin American financial inclusion thesis.

The platform is structured around four operational pillars: precise risk evaluation models, automated and scalable processes, flexible API-based integrations, and frictionless customer experiences. Zinobe's API-first architecture enables partner institutions to embed credit and risk capabilities into their own customer journeys, while alliance relationships with Banco de Bogotá, Bancoldex, Fondo Nacional de Garantías (FNG), Sura, Datacredito, Endeavor Colombia, Colombia Fintech, and AWS provide distribution, guarantee infrastructure, data, and cloud services. The company claims to have closed the first bank-fintech alliance in Colombia, a first-mover regulatory and commercial milestone that signaled credibility with incumbent financial institutions and regulators.

Zinobe generates revenue through credit origination (interest income, fees, or spread on lending activity) and likely usage-based income from API-enabled partner integrations; no public pricing is disclosed and commercial terms are negotiated via a 'Hablemos' inbound contact form. Its go-to-market combines direct digital delivery to consumers and mipymes with a partnership-led enterprise motion for institutional clients. The company is privately held, with disclosed funding rounds in 2017 (Series 1, investors undisclosed), August 2018 (Series 2 led by QED Investors), and April 2020 ($30 million led by Monachil Capital Partners LP). Leadership includes CEO and co-founder Tarek El Sherif, co-founder Martin Schrimpff, and Director of Product Camilo Montañez; no further management or cap-table details are publicly available.

Name

Zinobe

Legal name

Zinobe

Website

https://zinobe.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Short description

Zinobe is a Colombian fintech operating a data-driven credit decisioning platform that has disbursed over one million loans across all 32 Colombian departments, serving underserved individuals and micro/small businesses through proprietary risk models and API-enabled partner integrations with banks, guarantee funds, and AWS.

Ownership category

akta.pro rank

Product category

Digital Lending Platform

NAICS

Credit Bureaus (561450), Sales Financing (52222), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)

akta.pro secondary industries

Lending & Credit Disbursements (FSAMAKAH), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), BNPL Underwriting, Credit Decisioning & Risk Analytics (FSAKACAF)

Keywords

• Digital lending platform
• Consumer credit Colombia
• Financial inclusion lending
• Credit risk modeling
• Embedded finance APIs

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit disbursement revenue: Zinobe has disbursed 1M+ credits across the 32 departments of Colombia, indicating revenue tied to credit originations (interest income, fees, or spread on lending activity).
2. Embedded finance / API platform revenue: API-based integration capability suggests potential revenue from partner-embedded credit products and B2B platform services enabling third parties to leverage Zinobe's risk and disbursement infrastructure.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels3 records

Core offering

Zinobe originates and disburses digital credit/loan products to underserved Colombian consumers and micro/small businesses (mipymes), having disbursed more than 1 million credits across all 32 departments of Colombia. Its offering is powered by proprietary data-driven credit risk evaluation models, automated and scalable origination workflows, and a flexible API integration layer that enables institutional partners to embed Zinobe's credit and risk capabilities into their own platforms.

Product overview

Zinobe is a single unified Colombian fintech platform rather than a multi-product suite with separately branded sub-products. Under the Zinobe brand, the company combines three core pillars: (1) Zinobe Financial Products — its credit/loan offerings, with over 1 million credits disbursed across all 32 Colombian departments; (2) Zinobe Risk Evaluation Models — its data-driven risk assessment capability that enables inclusive lending to underserved populations and micro/small businesses; and (3) the Zinobe API Integration Layer — flexible API connections that automate and scale operations. Together these pillars deliver the company's stated mission of driving financial inclusion through digital, intelligent, and agile 100% digital financial products.

Differentiator

Problem solved

Functional benefit

Products and services

• Zinobe Digital Credit Products Core digital credit and loan offerings designed to break down traditional barriers to financial access in Colombia. Zinobe has disbursed over 1 million credits across all 32 departments, targeting underserved individuals and micro/small businesses (mipymes) to advance financial inclusion.
• Zinobe API Integration Platform (Embedded Credit & Risk-as-a-Service) Flexible API-based integration offering ('Conexiones flexibles a través de APIs') that enables institutional partners such as banks and fintechs to embed Zinobe's credit origination and risk evaluation capabilities into their own platforms and customer journeys.

Quantifiable outcome

• 1M+ credits disbursed across all 32 departments of Colombia
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Mercado Pago: LATAM fintech arm of Mercado Libre providing credit, payments and merchant financing across the region, competing broadly with Zinobe for digital credit consumers and SMEs.
• Nubank: LATAM neobank with credit card and personal loan products across Brazil, Mexico and Colombia, operating a much broader digital financial services platform than Zinobe but competing for similar underserved consumers.
• Rappi: Colombian-founded super-app that has expanded into credit products (RappiPay, RappiCard) targeting consumers and merchants across LATAM, competing with Zinobe for digital credit customers in its home market.

Regional players

• Klar: Mexican digital bank offering credit, savings and payment products to underserved consumers and SMEs, similar in mission and product mix to Zinobe but serving the Mexican market.

Direct peers

• Bold: Colombian fintech providing digital financial products and lending solutions to small merchants and SMEs in Colombia, overlapping with Zinobe's mipymes and inclusive credit thesis.
• Addi: Colombian BNPL and consumer credit fintech offering digital credit products to underserved consumers and merchants in Colombia and broader LATAM, directly competing with Zinobe's target segments.
• Sempli: Colombian digital lender focused on working capital and credit products for SMEs and entrepreneurs, closely comparable to Zinobe's SME/mipymes lending focus in Colombia.

Others

• Banco de Bogotá: Major Colombian bank and named Zinobe alliance partner; relevant as an incumbent financial institution whose partnership both enables Zinobe's distribution and represents a potential competitor in digital lending.

Emerging players

• Konfío: Mexican fintech lender focused on small business and SME credit using data-driven underwriting, comparable in model and target segment to Zinobe's mipymes focus but operating in a different geography.
• Stori: Mexico-based fintech providing credit cards and credit products to underserved and thin-file consumers, comparable to Zinobe's inclusive underwriting strategy on a regional basis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds3 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 Zinobe