What Viventa does

Viventa is a Florida-incorporated (VIVENTA LLC) real estate credit intermediary that enables Colombian nationals residing abroad — primarily in the United States, Spain, and Canada — to purchase residential property in Colombia without travelling to the country. The company positions itself as an independent advisor (not a bank) that orchestrates the entire home-buying journey on behalf of diaspora clients, including financial pre-qualification, credit application, presentation to multiple Colombian financial institutions, property selection, power-of-attorney coordination, apostille/legalisation, and deed registration through an in-country legal representative (apostillado).

The company's product suite is anchored on two core services — 'Vive Préstamo' (mortgage and credit intermediation) and 'Vive Casa' (property acquisition) — and is supported by modular add-ons including an online credit simulator, a financial viability study (Estudio de Viabilidad Financiera), the 'Unidad de Perfeccionamiento Financiero (UPF)' for credit-readiness coaching, housing subsidy navigation, and 'Vive Ahorro' savings-account services. The platform is a web-based digital advisory interface hosted at viventa.co, featuring the 'Vivy' AI chatbot for inbound knowledge retrieval and routing, digital document management for remote submission of financial records, and integration with a Facebook Comments plugin for content engagement. Viventa holds registration as a real estate credit intermediary with the Banco de España (D578) and operates sales/marketing offices in Coral Gables, Miami, New York, New Jersey, and Madrid, with an operations and customer-service centre in Miami and back-office support via a Global Services Center in Colombia.

Viventa generates revenue through professional-services fees charged to individual diaspora clients per transaction — including non-refundable fees for the initial financial feasibility study, ongoing advisory and accompaniment fees (which vary by country of residence), and separate charges for apostille and notarisation of powers of attorney. The company does not publicly disclose pricing, and fees are quoted by assigned advisors prior to service acquisition. Go-to-market is primarily digital-first and sales-led, combining website inquiries, the Vivy chatbot, dedicated remote advisors, content marketing (blog, social media in Facebook/Instagram/YouTube), participation in real estate fairs (EXPOCOLOMBIA), and earned media coverage in major Colombian outlets (W Radio, El Tiempo, Portafolio). Customer segments are the Colombian diaspora (primary consumer segment) and Colombian construction companies (constructoras) that partner with Viventa to access international buyers. The company was founded circa 2002–2005, is privately held, employs 11–50 people, and is led by CEO Sandra Amezquita.

Name

Viventa

Legal name

VIVENTA LLC

Website

https://viventa.co

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Viventa is a Florida-based real estate credit intermediary that helps Colombian nationals living abroad purchase residential property in Colombia remotely, via mortgage intermediation with multiple partner banks, legal coordination, and dedicated advisor support across the US, Spain, and Canada.

Ownership category

akta.pro rank

Headquarters

HQ city

Coral Gables

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Intermediation and Advisory Services: Viventa acts as an intermediary between Colombian migrants and financial institutions in Colombia, facilitating access to mortgage credit. Revenue is generated through service fees charged to clients for credit pre-approval processing, financial feasibility studies, and ongoing advisory and accompaniment throughout the home-buying process. The company also earns fees for coordinating documentation, apostille/notarization of powers of attorney, and fiduciary and legal support services.
2. VIVE CASA - Property Acquisition Services: Fees for services related to property selection, pre-reservation, formal reservation with fund transfer, preparation of purchase powers, fiduciary document compliance, legalisation of fiduciary mandates, payment plan induction, monthly payment follow-up, and deed/disbursement accompaniment.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Viventa is a digital advisory and mortgage intermediation platform that helps Colombians living abroad purchase residential property in Colombia without travelling. The company provides end-to-end support across financial pre-qualification, credit presentation to multiple Colombian banks, property selection from partner constructoras, power-of-attorney and apostille coordination, and deed/disbursement accompaniment, operating through remote advisors, an AI chatbot, and offices in key diaspora markets.

Product overview

Viventa operates as a unified real estate investment platform with two core services: Vive Préstamo (mortgage intermediation) and Vive Casa (property acquisition). The platform is complemented by supporting modules including the AI-powered Vivy assistant, a credit simulator, financial viability study, and savings account services. All services are designed for Colombians abroad to purchase property in Colombia remotely, with over 20 years of experience connecting migrants with Colombian banks and constructors.

Differentiator

Problem solved

Functional benefit

Products and services

• Vive Préstamo
• Vive Casa
• Estudio de Viabilidad Financiera (Financial Feasibility Study)
• Unidad de Perfeccionamiento Financiero (UPF)
• Vive Ahorro
• Subsidios de Vivienda (Housing Subsidy Assistance)
• Apostille and Notarisation of Powers of Attorney

Quantifiable outcome

• Credit disbursement volume grew over 31% in the last 4 years
• +3 more outcomes

Named customers11 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Unión AndinacoreStrategic or Co-development PartnerViventa and Unión Andina announced a merger (fusión) aimed at enabling 50,000 migrants to acquire housing. This represents a significant consolidation of two companies serving the Colombian diaspora real estate market, with coverage extended through media outlets including MSN, Tecno Marketing News, Colombia Construye, and Pulzo.
• Constructoras Aliadas (Partner Construction Companies)coreStrategic or Co-development PartnerViventa works with multiple Colombian construction companies (constructoras) that offer pre-construction, new, and used property projects through its platform. Projects are verified (fiducia, title study) and offered at the same prices as in Colombia. The company presents these projects on its website and manages client selection through its digital platform.
• EXPOCOLOMBIAminorGTM or Marketing PartnerEXPOCOLOMBIA is a Colombian real estate fair that brings together construction companies, banks, and diaspora buyers. Viventa participates in these events as a GTM/marketing channel to acquire new clients and showcase housing projects to Colombians living in Spain and other countries.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Trioteca: Spanish online mortgage broker that compares and intermediares mortgage offers from multiple banks for consumers. Closely mirrors Viventa's multi-bank intermediation model, although Trioteca operates in the Spanish domestic market rather than cross-border.
• Unión Andina: Colombian real estate advisory for overseas Colombians that announced a merger (fusión) with Viventa to help 50,000 migrants acquire housing. Was a direct head-to-head competitor before consolidation and serves as the closest strategic peer.
• CrediHogar: Spain-based mortgage broker focused on expatriates and foreign buyers obtaining Spanish mortgages. Closely comparable cross-border mortgage intermediation business model and customer profile.

Broad incumbents

• Idealista Hipotecas: Mortgage intermediation arm of Idealista, the dominant Spanish real estate portal. Operates the same broker-between-banks model as Viventa, but at much greater scale and as a feature of a broader listings business.
• Bancolombia: One of Colombia's largest banks and a core financial partner of Viventa for non-resident mortgages. A broad incumbent whose direct digital mortgage channel is the principal disintermediation risk to Viventa.
• Davivienda: Major Colombian bank offering mortgage and leasing habitacional products to non-resident Colombians, including dedicated fairs (EXPOCOLOMBIA) where Viventa participates. Functions both as partner and potential competitive threat.

Regional players

• Habi: Colombian proptech focused on residential property transactions. Operates in the same Colombian housing market as Viventa but with a different model (instant-buy iBuyer) and a domestic rather than cross-border focus.
• La Haus: LatAm proptech operating in Mexico and Colombia, providing residential property listings, developer connections, and financing assistance. Comparable cross-border real estate platform ambition, though with a broader geographic footprint.
• Properati: Latin American real estate marketplace active in Colombia, Mexico, Argentina, Peru, and Ecuador. Overlaps with Viventa in the Colombian buyer-intent funnel but does not specialize in cross-border credit intermediation.

Emerging players

• Better.com: US digital mortgage lender/broker with a technology-led, multi-lender comparison model. Useful peer for benchmarking the digital mortgage intermediation playbook Viventa is attempting to apply cross-border to Colombian buyers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/viventa
• Xx.com/viventanet

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

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 Viventa