Duppla
Duppla is a Colombian fintech that offers rent-to-own home financing to thin-file, self-employed buyers in Bogotá and surrounding municipalities, replacing traditional bank mortgages with a 15% minimum down payment and flexible monthly payments that build equity.
- Company typePrivate
- Founded2021
- HeadquartersBogotá, Colombia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Duppla does
Duppla, operating under the legal entity Compra Mientras Alquilas S.A.S., is a Colombian fintech that provides rent-to-own housing financing for individuals who cannot access traditional bank mortgages. The company was founded in 2021 and is headquartered in Bogotá. Its core product is a non-bank home financing platform that allows customers to occupy a property from day one with a minimum 15% initial contribution (versus the ~30% typically required by Colombian banks), while making flexible monthly payments that progressively build equity until the property is fully owned. The company targets self-employed workers, freelancers, and other thin-file borrowers in Bogotá and surrounding municipalities (Soacha, Sabana Norte, Sabana Occidente) who lack the credit history, fixed income documentation, or guarantors required by incumbent lenders.
The technology stack is intentionally lightweight: a web platform with WhatsApp as the primary customer interface, supported by an online calculator for payment estimation and a dedicated client portal (clientes.duppla.co) for account management and document handling. The application process is positioned as ~1 minute via WhatsApp, with approvals in 2–3 days and a five-step end-to-end timeline of roughly five days from application to move-in. The alternative underwriting model — explicitly not relying on traditional credit scores — is the company's core differentiator versus banks, and it underwrites against an average property value of ~250M COP based on the company's published example.
Commercially, Duppla operates a direct-to-consumer, self-serve model with no intermediaries, brokers, or physical branches. Marketing is digital-first (website content, calculator, customer testimonials) supplemented by earned media in major Colombian outlets. The company has served 250+ families to date and has raised capital from Cometa, Global Founders Capital, and Latitud. Revenue mechanics are tied to the spread and equity accumulation on each financed property, rather than a conventional subscription or fee model.
Duppla firmographics
Firmographics- Name
- Duppla
- Legal name
- Compra Mientras Alquilas S.A.S.
- Website
- https://duppla.co
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Duppla is a Colombian fintech that offers rent-to-own home financing to thin-file, self-employed buyers in Bogotá and surrounding municipalities, replacing traditional bank mortgages with a 15% minimum down payment and flexible monthly payments that build equity.
- Ownership category
- akta.pro rank
Duppla industry classification
Industry- Product category
- Alternative Home Financing
- NAICS
- Lessors of Real Estate (5311), Rental and Leasing Services (532)
- SIC
- Finance Lessors (6172)
- akta.pro primary industry
- Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)
Keywords
Where Duppla is headquartered
LocationHeadquarters
- HQ city
- Bogotá
- HQ country
- Colombia
- HQ region
- Latin America
Offices1 record
Markets served
Duppla business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Home Purchase Financing: Duppla enables customers to purchase their home from day one without a traditional bank. Customers pay a monthly amount that progressively builds equity until the property is fully owned. The company operates the housing finance model where each payment contributes to ownership.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | 15% initial contribution with flexible monthly payments |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Duppla product offering
Product offeringCore offering
Duppla operates a non-bank home financing platform that lets Colombian families move into a home from day one without a traditional mortgage. Customers make an initial contribution of at least 15% of the property value and then pay flexible monthly amounts that progressively build equity until they own the property outright. The offering is supported by an online payment calculator and a dedicated customer portal, with WhatsApp serving as the primary onboarding channel.
Product overview
Duppla operates as a unified home financing platform that replaces traditional banking in the property purchase process. The core offering is the Duppla Home Financing Platform, which is supported by a Client Portal for account management and a Calculator tool for payment estimation. All three components work together to provide a seamless end-to-end experience from initial application through final property ownership.
Differentiator
Problem solved
Functional benefit
Products and services
- Duppla Home Financing Platform A non-bank home financing platform that enables Colombian families to purchase homes from day one without requiring traditional banking history, credit scores, or guarantors. Customers make an initial 15% down payment and then pay flexible monthly installments that build equity until the property is fully owned. Target users are underbanked individuals — primarily self-employed workers and residents of Bogotá and surrounding municipalities — who cannot access traditional mortgages.
- Client Portal (Portal de Clientes) A customer-facing web portal where Duppla clients can log in to manage their home purchase account, access documents, and track their payment progress toward full property ownership.
- Duppla Calculator (Calculadora) An online calculator tool that allows prospective customers to estimate their monthly payment amounts based on property value and initial down payment contribution (minimum 15% of property value).
Quantifiable outcome
- Approval in 2-3 days vs months for traditional banks
- +1 more outcomes
Companies that use Duppla
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles1 record
Duppla technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Duppla partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights4 records
Duppla competitors and assessment
Company assessmentRegional players
- Vivanuncios: Mexico's leading online real estate classifieds platform, owned by Mercado Libre. Comparable in aggregating LatAm home-buyer demand and serving as a marketplace funnel, but without in-house financing.
Broad incumbents
- Properati: Major LatAm real estate marketplace operating across multiple countries. Comparable as a digital platform aggregating demand from LatAm home buyers, though without a proprietary financing product.
- Banco Agrario de Colombia: State-affiliated Colombian bank with the broadest rural and low-income housing credit portfolio in the country. A large incumbent reference point for the affordable-housing credit segment Duppla targets.
- Credifamilia: Colombian specialized housing finance company (compañía de financiamiento) offering mortgage products to lower- and middle-income segments. Represents the more established, regulated side of Colombian housing credit that Duppla is disrupting.
Direct peers
- La Haus: Mexico- and Colombia-based real estate marketplace with embedded financing options for home buyers. Comparable in serving underserved LatAm homebuyers with a digital, fintech-augmented purchase experience.
- Habi: Colombian proptech that buys, refurbishes, and resells homes, targeting a similar middle-income buyer profile in Colombia. Closest direct comparison due to overlapping geography, customer segment, and housing-finance-adjacent value proposition.
Emerging players
- Addi: Colombian BNPL fintech extending credit to underbanked consumers at the point of sale. Comparable as a digital-first Colombian lender serving credit-thin consumers, though focused on retail rather than housing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Duppla social profiles
Digital presenceDuppla financial estimates
Financial estimateRevenue estimate
Valuation estimate
Duppla leadership team
Management profileNumber of profiles
Duppla funding detail
Funding detailFunding overview
Funding rounds5 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Duppla M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Duppla
What does Duppla do?
Duppla operates a non-bank home financing platform that lets Colombian families move into a home from day one without a traditional mortgage. Customers make an initial contribution of at least 15% of the property value and then pay flexible monthly amounts that progressively build equity until they own the property outright. The offering is supported by an online payment calculator and a dedicated customer portal, with WhatsApp serving as the primary onboarding channel.
Is Duppla a public or private company?
Duppla is a private company. It is classified as venture growth investor backed and is currently operating.
When was Duppla founded?
Duppla was founded in 2021. It employs 11 to 50 people.
Where is Duppla based?
Duppla is headquartered in Bogotá, Colombia, in the Latin America region.
How does Duppla make money?
One revenue line is on record: home Purchase Financing.
Who are Duppla's main competitors?
Vivanuncios is listed as a regional player. Broad incumbents are Properati, Banco Agrario de Colombia and Credifamilia. Direct peers are La Haus and Habi. Addi is listed as an emerging player.
Does Duppla have an API?
No public API is recorded for Duppla.
What industry is Duppla in?
Duppla's product category is Alternative Home Financing. Its primary akta.pro industry code is FSALAAAM, Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination. Its NAICS code is 5311 and its SIC code is 6172.