What Chita does

Chita is a Chilean fintech founded in 2016 that operates a 100% online digital factoring platform for micro, small, and medium enterprises (MiPyMEs). The core product allows businesses to advance payment of electronic invoices issued to credit-paying clients by synchronizing their invoices through direct integration with Chile's tax authority (SII), receiving an instant financing offer, and receiving approximately 98% of invoice value — typically within one hour, with same-day funding in 75% of cases. Minimum invoice size is CLP $15,000 and monthly rates start at 0.99%, with personalized pricing tied to payer risk and invoice maturity.

The platform's technology stack centers on three proprietary components: (1) SII integration via digital certificate (.pfx) that pulls invoices automatically and registers the electronic credit assignment (AEC) in the RTC public registry without manual government portal processing; (2) a big-data risk evaluation model that aggregates SII, TGR, and credit-bureau data to score payers rather than the borrowing company — enabling 85%+ approval rates and serving 20% of clients with under one year of operation; and (3) instant offer generation with transparent upfront disclosure of advance rate, commission, business rate, and penalty rate. Supporting modules include a credit simulator, a free purchase-order generator, and a B2B agent/referral program paying CLP $100,000 per converted client.

Chita generates revenue primarily through transaction-based commissions and monthly discount fees on each factored invoice, with rates varying by payer risk and maturity. Distribution is digital-first: a self-serve website supplemented by phone/WhatsApp inside sales, paid and organic search marketing, and the agent program. The company reports 94,700+ registered clients, 21,400+ accepted payers, 365,000+ financed invoices, and cumulative volume exceeding USD 500M since inception, with operations in Chile, Peru, and Colombia. The entity is Chita SpA (RUT 76.596.744-9), headquartered in Providencia, Santiago, with 101–250 employees and no disclosed funding rounds or parent company.

Name

Chita

Legal name

Chita SpA

Website

https://chita.cl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Chita is a Chilean fintech founded in 2016 that operates a 100% online digital factoring platform, enabling micro, small, and medium enterprises to advance payment on electronic invoices via direct SII integration, with operations in Chile, Peru, and Colombia.

Ownership category

akta.pro rank

Product category

Digital Factoring Platform

NAICS

Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

Keywords

• Digital factoring platform
• Invoice financing
• Accounts receivable
• MSME lending
• Fintech factoring

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Factoring Commission and Discount Fees: Primary revenue from two components: (1) Monthly discount rate (0.99%+ per month) applied to the advanced amount proportional to days until invoice maturity, and (2) Operational commission covering evaluation, cession, and collection services. Rates vary based on payer risk profile and invoice maturity period.
2. Referral Program Fees: Agent/referral program where partners earn $100,000 CLP per successfully referred client who completes a factoring operation.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Chita operates a fully online (digital) invoice factoring platform that lets Chilean, Peruvian, and Colombian micro, small, and medium enterprises (MiPymes) synchronize their electronic invoices via direct integration with the local tax authority (SII in Chile) and receive an instant financing offer that advances approximately 98% of the invoice value within roughly one hour, at a monthly rate from 0.99% plus an operational commission. The platform uses big-data risk evaluation focused on payer quality (not client business history) to approve 85%+ of operations, registers the credit assignment automatically with the public registry, and runs inside-sales advisors via WhatsApp and phone on top of a self-serve flow with an agent/referral channel.

Product overview

Chita is a Chilean fintech company offering a unified digital factoring platform (chita.cl) that enables companies to obtain immediate liquidity by advancing payment of their electronic invoices. The core product is the Chita Factoring Platform, a 100% online service that synchronizes with SII to retrieve invoices, provides instant financing offers, and delivers payment within approximately 1 hour. Supporting modules include a Credit Simulator for comparing financing options and a Purchase Order Generator for creating professional documents. The company also operates a referral (agent) program. All services are targeted at Chilean PYMEs and operate without requiring traditional bank paperwork or lengthy approval processes.

Differentiator

Problem solved

Functional benefit

Products and services

• Chita Factoring Platform 100% online invoice factoring service that lets micro, small, and medium enterprises in Chile, Peru, and Colombia advance payment on their electronic invoices: register online, synchronize invoices via direct integration with SII, receive an instant offer displaying advance percentage, commission, business rate, and penalty rate, and obtain approximately 98% of invoice value within roughly one hour (with 2% retention released upon payer settlement). Each accepted operation automatically generates the Archivo Electrónico de Cesión (AEC) and registers the credit assignment in Chile's RTC public registry. Minimum invoice amount is CLP $15,000 and monthly rates start at 0.99%, with a special first-operation rate offered.

Quantifiable outcome

• 85%+ approval rate vs. 15% for traditional credit applications
• +3 more outcomes

Named customers9 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

Integration2 records

AI capability2 records

Feature4 records

Partnerships

One partnership is on record.

• Chip Wade's Perch Treehouse ProjectminorGTM or Marketing Partner · 22 December 2025CHITA partnered with Chip Wade's Perch Treehouse Project to sponsor 'The Jenny' treehouse in North Georgia. Partnership focused on brand visibility through luxury lifestyle content, showcasing CHITA's modern, functional furniture offerings. Project aimed at providing elevated nature experiences with sustainable furniture.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Fundbox: US-based fintech offering SMB invoice advance and working-capital credit lines. Same invoice-financing product targeting small businesses with digital onboarding.
• BlueVine: US SMB-focused fintech offering invoice factoring, lines of credit and credit cards. Operates a near-identical digital factoring model for working-capital-starved small businesses.
• Resolve: B2B payments and working-capital fintech extending net-terms and invoice financing to SMBs. Directly comparable in digital invoice financing for small businesses.
• Konfío: Mexico-based fintech providing credit lines and working-capital loans to small businesses and entrepreneurs. Comparable SMB lending model in the LatAm region.
• Behalf: SMB financing and B2B credit platform offering short-term working capital against receivables. Directly comparable invoice-backed SMB credit model.
• Capital on Tap: SMB-focused fintech providing working-capital credit lines and corporate credit cards to small businesses. Comparable SME revolving-credit/working-capital offering.
• Addi: Colombia-based fintech offering Buy Now Pay Later and SMB credit. Overlaps with Chita's Colombia operations in providing credit to small businesses in the Andean region.
• Kueski: Mexico-based fintech offering point-of-sale credit and personal loans using alternative data underwriting. Comparable alternative-data, digital-first LatAm credit model.

Broad incumbents

• Mercado Pago: LatAm super-app payment platform with embedded merchant credit and lending products. Operates much broader payments but increasingly competes in MSME working capital across the region.

Regional players

• Creditas: Brazilian asset-backed lending fintech using alternative data and collateral to extend credit to consumers and SMBs. Adjacent LatAm alternative-credit model, primarily serving Brazil rather than the Andean markets Chita operates in.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/chitafactoringonline
• LinkedInlinkedin.com/company/chitafinanciamiento
• Instagraminstagram.com/chitafactoringonline
• Xx.com/afactoring

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 Chita