What Afluenta does

Afluenta S.A. operates a two-sided peer-to-peer lending marketplace headquartered in Buenos Aires, Argentina, under the regulated trust structure Fideicomiso Afluenta I (constituted February 2012, registered with the CNV). The platform connects individual borrowers seeking personal credit (up to ARS $5,000,000 over 3-48 months at TNA 110-394.9%) and small/medium enterprises seeking PyME loans (up to ARS $2,000,000 over 6-24 months at TNA 78.7-108.8%) with individual and institutional investors who fund loans through an auction mechanism. Afluenta is registered with Argentina's BCRA as a Provider of Credit Services Between Individuals Through Platforms (PSP).

The technical platform runs a digital, fully online loan auction process supported by a proprietary credit scoring system integrating bureau data from Equifax/Veraz and Nosis, automatic investor portfolio planning (Planifico), identity validation systems, and a loan portfolio exchange service enabling secondary-market liquidity through Traditional, Immediate, and Direct exchange modalities. Supporting products include Afluenta VALORA (self-credit evaluation), Afluenta PREMIA (referral program rewarding both sides), and since 2024, Créditos con Garantía Cripto (crypto-collateralized personal loans). A separate Global platform launched in 2023 enables international investors to participate in USD-denominated returns from Latin American loan portfolios.

Afluenta generates revenue through transaction-based fees: a 3-13%+VAT borrower platform commission, a 3% investor portfolio administration fee on collected installments, a 2% exchange commission on secondary-market transactions, ARS $400+VAT plus up to 3.82%+VAT per installment processing fee, and 3-20% late payment management fees depending on delinquency period. The company has cumulatively originated ARS $2,727,731,080 across 28,725 loans, with ARS $2,278,041,898 reported as accumulated investor interest. Operations extend across Argentina, Peru, Mexico, and the USA, supported by founding membership in the Cámara Argentina de Fintech and approximately $25.5M in cumulative disclosed venture funding from Elevar Equity, IGNIA, IFC, MW EAGLEWOOD, and NXTP Ventures.

Name

Afluenta

Legal name

Afluenta S.A.

Website

https://afluenta.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

Afluenta operates an Argentine peer-to-peer lending marketplace connecting individual and SME borrowers with investors, offering personal loans up to ARS $5M and SME loans up to ARS $2M, plus a loan portfolio exchange across Argentina, Peru, Mexico, and the USA.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)

akta.pro secondary industries

Securitization & Loan Trading Enablement (Whole Loan Sales, ABS Data/Reporting) (FSAGAHAK), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Crypto-Backed Consumer Loans (Secured) (FSADAFAG)

Keywords

• Peer-to-peer lending
• Consumer lending platform
• SME business loans
• Marketplace lending
• Collaborative finance

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Platform Commission - Borrowers: Afluenta charges borrowers a commission of 3% to 13% + VAT of the requested amount based on loan term and credit profile. This is the primary fee paid by loan recipients for using the platform to access financing.
2. Portfolio Administration Fee: 3% commission on collected loan installments from loans where investors participate. This ongoing fee is charged to investors for the administration and management of their loan portfolios.
3. Portfolio Exchange Commission: 2% commission on exchanged portfolio funds when investors sell their loan participations to other investors through the exchange service.
4. Late Payment Management Fees: Fees ranging from 3% to 20% based on the delinquency period of the loan, charged for collection management of overdue installments.
5. Installment Processing Fee: $400 + VAT plus up to 3.82% + VAT per installment collected, charged to borrowers for payment processing services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Afluenta operates a fully digital peer-to-peer lending marketplace that matches individual borrowers and Argentine SMEs seeking personal or business loans with individual and institutional investors seeking higher yields. Through its regulated trust structure (Fideicomiso Afluenta I), borrowers can obtain fixed-rate personal loans up to ARS 5,000,000 over 3-48 months or SME loans up to ARS 2,000,000 over 6-24 months, while investors participate in online loan auctions with projected annual returns up to 197.6%. Supporting services include crypto-collateralized loans, a secondary-market portfolio exchange (traditional, immediate, and direct modalities), an automated investment tool, and a self-credit evaluation utility.

Product overview

Afluenta operates as a collaborative finance (fintech peer-to-peer lending) platform connecting borrowers seeking personal and business loans with investors seeking returns. The platform offers two core products: (1) Personal and SME loans where consumers and businesses can obtain up to $5,000,000 (personal) or $2,000,000 (PyME) in fixed-rate installments, and (2) an Investment Platform where investors fund loans and earn projected returns of up to 197.6% annually through participation in loan auctions. Supporting products include a crypto-collateralized loan option, the Afluenta VALORA self-credit evaluation tool, a loan portfolio exchange for secondary market liquidity, and the Afluenta PREMIA referral program. The ecosystem operates through a regulated trust structure (Fideicomiso Afluenta I) with Afluenta as registered trustee, generating revenue through platform commissions on loans originated and administered.

Differentiator

Problem solved

Functional benefit

Products and services

• Préstamos Personales (Personal Loans) 100% online consumer lending product enabling Argentine individuals to borrow up to ARS 5,000,000 in fixed monthly installments over 3 to 48 months, priced at TNA 110%-394.90% based on credit profile (AA-F) with a platform commission of 3-13% + VAT. Designed for personal financing needs including vehicle purchase, home renovation, and general consumption.
• Inversión en Créditos (Investment Platform) Peer-to-peer lending investment product letting individual and institutional investors fund borrower loan requests through online auctions across credit profiles AA (Sobresaliente) through F (Aceptable) and PA-PC (PyME), with monthly cash-flow distributions, portfolio administration fees of 3% on collected installments, minimum initial investment of ARS 50,000 (Traditional tier), and projected annual returns up to 197.6%.
• Préstamos PyME (SME Business Loans) Online business lending product for Argentine SMEs providing up to ARS 2,000,000 in fixed monthly installments over 6-24 months at TNA 78.70%-108.80% based on credit profile (PA/Excelente to PC/Muy Bueno), platform commission 3-6% + VAT, and an administration fee from 0.65% + VAT on debt balance. Targets SMEs needing working capital, inventory, equipment, or growth financing.
• Créditos con Garantía Cripto (Crypto-Collateralized Personal Loans) Personal loan product collateralized by cryptocurrency assets, offering borrowers an alternative funding option on the Afluenta platform by pledging digital assets as security.
• Servicio de Intercambio (Loan Portfolio Exchange) Secondary-market liquidity service for investors to buy and sell loan participations ahead of maturity through three modalities — traditional auction-based exchange, immediate exchange (first offer wins), and direct exchange — charging a 2% commission on exchanged funds.
• Afluenta VALORA (Self-Service Credit Evaluation) Free, self-service credit evaluation tool that pulls a prospective borrower's public-data credit profile to help them estimate their likelihood of qualifying for a loan on the Afluenta platform before applying.
• Afluenta Global Platform (USD-Denominated Investor Platform) International investor platform allowing global investors (including those based in the USA) to participate in Latin American loan portfolios and earn returns in USD, with a cumulative USD 95,000,000+ originated and 48,000+ loans facilitated across the global platform.

Quantifiable outcome

• Platform has facilitated $2,727,731,080 in loans to 28,725 borrowers with $2,278,041,898 in accumulated investor interest
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• NosiscoreTechnology or Integration · 30 July 2018Credit bureau providing data for credit admission analysis starting July 30, 2018. Nosis replaced Veraz/Equifax as the primary credit scoring data source for evaluating borrower creditworthiness and assigning risk profiles.
• Equifax/VerazcoreTechnology or IntegrationCredit data provider used for borrower creditworthiness evaluation. Veraz/Equifax data is queried to assess credit history and generate risk profiles (scores) for loan applicants. Used since the company's inception until July 2018 for credit admission decisions.
• Cámara Argentina de FintechcoreStrategic or Co-development PartnerFounding member of Argentina's Fintech Chamber, an industry association representing fintech companies in regulatory discussions and promoting best practices in the Argentine financial technology sector.
• CertiSurminorOthersCertification body providing website security and authenticity seals displayed on the platform.
• GIIRS (Global Impact Investing Rating System)minorOthersImpact investing rating system recognizing Afluenta's social and environmental impact, aligning with their 2016 Premio Latinoamérica Verde recognition.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• LendingClub: LendingClub is the largest US peer-to-peer lending marketplace connecting individual borrowers with retail and institutional investors. It is the closest direct analogue to Afluenta's two-sided consumer lending marketplace model, differing primarily by geography and asset class focus.
• Funding Circle: Funding Circle operates a P2P/marketplace lending platform focused on small business loans in the UK, US, and Europe. It is directly comparable to Afluenta's PyME/SME lending product offering with similar two-sided marketplace mechanics serving business borrowers.
• Prosper Marketplace: Prosper is a US peer-to-peer consumer lending platform originating unsecured personal loans funded by individual and institutional investors. Closely comparable to Afluenta's core personal loan product line in both business model and target borrower segment.
• Zopa: Zopa is a UK-based peer-to-peer consumer lending platform that has evolved into a digital bank. Comparable to Afluenta in original P2P lending model, though Zopa has since transitioned toward full banking—representing a possible strategic trajectory for Afluenta.
• Mintos: Mintos operates a European loan marketplace that aggregates consumer and business loan originations from multiple lending companies for retail investors. Comparable to Afluenta in the marketplace/aggregator model and the use of secondary market (portfolio exchange) facilities.
• Bondora: Bondora is an Estonian-based peer-to-peer consumer lending platform operating across Europe with a Go & Grow automated investment product. Comparable to Afluenta's automated investment feature (Planifico) and P2P marketplace structure.

Regional players

• Creditas: Creditas is the largest consumer and SME secured lending fintech in Brazil, offering home equity, auto, and payroll-deductible loans. Comparable as a Latin American fintech lender serving both consumers and SMEs, though operating in a different country with a secured-lending focus.
• Konfío: Konfío is a Mexican fintech providing working capital and business loans to SMEs, with significant institutional backing. Comparable to Afluenta's PyME/SME lending vertical in target customer (small businesses) and product type, though serving the Mexican market rather than Argentina.

Broad incumbents

• Mercado Pago: Mercado Pago is the dominant digital payments and consumer credit platform across Latin America, offering personal loans and merchant credit across multiple countries. A broad incumbent competitor in LatAm consumer credit with vastly greater scale and capital than Afluenta.

Emerging players

• Kueski: Kueski is a Mexican online consumer lending fintech offering installment loans and BNPL products. Comparable as a Latin American digital lending platform serving underbanked consumers, though focused exclusively on the Mexican market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/afluenta
• Instagraminstagram.com/afluenta
• Xx.com/afluenta
• YouTubeyoutube.com/channel/UCn_b2U8UISnLM对对i6tOW0g
• LinkedInlinkedin.com/company/afluenta

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds6 records

Investors5 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 Afluenta