Baldecash
Baldecash is a Peru-based fintech founded in 2019 that provides student financing for tuition and related educational expenses, serving students who lack upfront funds to cover education costs.
- Company typePrivate
- Founded2019
- HeadquartersMiraflores, Peru
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Baldecash does
Baldecash (operating commercially as "BaldeCash") is a Peru-based financial services company founded in 2019 that provides financing solutions to students for educational expenses. The company is headquartered in Miraflores, Peru, and is structured as a private, for-profit entity with a workforce of 11-50 employees. Its customer base is concentrated entirely in a single vertical: students requiring financial support for tuition, fees, and related educational costs. A brief firmographic description also references laptop purchase financing tied to academic performance, though detailed product and segment data frame the proposition more broadly as educational expense financing. The co-founder and director is Enrique Castellanos, who is the only named member of the leadership team in the available data.
The company's core product is the BaldeCash platform, a single-purpose student financing service accessed primarily through its website (baldecash.com). The platform operates as a unified, single-product offering rather than a modular architecture, and pricing is not publicly disclosed — instead, financing terms appear to be individually negotiated. The go-to-market approach is vertical segmentation aimed at students as a persona, with no documented marketing or distribution channel data beyond the company website. No integration, API, mobile app, or platform partner ecosystem is described.
Baldecash's revenue mechanics are not disclosed, and no funding rounds, investors, partnerships, acquisitions, regulatory actions, or strategic milestones are documented in the available data. This leaves the company's financial profile, capital structure, and growth trajectory largely opaque. The company should be treated as an early-stage, thinly-disclosed private entity for analytical purposes.
Baldecash firmographics
Firmographics- Name
- Baldecash
- Website
- https://baldecash.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Baldecash is a Peru-based fintech founded in 2019 that provides student financing for tuition and related educational expenses, serving students who lack upfront funds to cover education costs.
- Ownership category
- akta.pro rank
Baldecash industry classification
Industry- Product category
- Consumer Lending (Student Financing)
- NAICS
- Sales Financing (52222), Educational Support Services (611710)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- In-School Tuition & Fee Financing (Short-term/Bridge) (FSAKAEAG)
- akta.pro secondary industries
- Private Student Loans (Undergraduate & Graduate) (FSAKAEAB), Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE)
Keywords
Where Baldecash is headquartered
LocationHeadquarters
- HQ city
- Miraflores
- HQ country
- Peru
- HQ region
- Latin America
Markets served
Baldecash business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Baldecash product offering
Product offeringCore offering
Baldecash extends credit to individual students to finance the purchase of laptops and related educational equipment. Discounts on financing costs are tied to the borrower's academic performance, so higher grades translate into better loan terms. The product is delivered through a Spanish-language web platform accessible at baldecash.com.
Product overview
BaldeCash operates as a single-purpose student financing platform offering educational funding services to students. The platform appears to function as a unified service rather than a modular platform architecture, with BaldeCash representing the core and only product offering for accessing student financial support.
Differentiator
Problem solved
Functional benefit
Products and services
- BaldeCash Student Financing Credit product extended to individual students in Peru to finance the purchase of laptops and related educational equipment, with pricing discounts tied to the borrower's academic performance. Sourced and serviced through the baldecash.com web platform.
Companies that use Baldecash
Customer profileSegments1 record
Ideal customer profiles1 record
Baldecash technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Baldecash partnerships and signals
Strategic signalRecent moves2 records
Expansion highlights2 records
Baldecash competitors and assessment
Company assessmentEmerging players
- albo: Mexico-based digital consumer credit and banking fintech, comparable as a LatAm neobank/consumer-credit operator targeting underbanked segments.
- Kueski: Mexico-based BNPL and consumer-credit fintech offering point-of-sale financing and cash loans to underbanked consumers, closely comparable to Baldecash's POS-style consumer credit model for everyday purchases in LatAm.
- Aplazo: Mexico-based BNPL provider focused on point-of-sale installment credit for consumers, directly comparable to Baldecash's installment financing model for higher-value items like laptops.
- Nelo: Mexico-based consumer-credit fintech offering credit cards and personal loans to underserved consumers, comparable as a regional LatAm fintech building consumer credit products for thin-file borrowers.
- Stori: Mexico-based fintech issuing credit cards to underbanked consumers, relevant as a peer building consumer credit products for underserved populations in Latin America.
- Creditas: Brazilian consumer-credit fintech offering secured and unsecured loans, comparable as a large-scale LatAm fintech operating in consumer credit intermediation.
Broad incumbents
- SoFi: US-based broad incumbent fintech offering private student loans and education financing among its broader financial services portfolio, comparable as a reference for student-loan underwriting and servicing at scale.
- Sallie Mae: US-based established student-loan originator and servicer, directly comparable as a specialist lender focused on education-related consumer credit, including tuition and education-related purchases.
- BCP (Banco de Crédito del Perú): Peru's largest bank offering consumer credit products including personal loans and credit cards; relevant as a domestic incumbent competitor that Baldecash competes with for Peruvian consumer credit demand.
- BBVA Perú: Peru-based universal bank offering consumer loans and credit cards, comparable as a domestic incumbent competing in the Peruvian consumer credit market that Baldecash addresses.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat2 records
Key risks6 records
Key highlights6 records
Customer concentration
Baldecash social profiles
Digital presenceBaldecash financial estimates
Financial estimateRevenue estimate
Valuation estimate
Baldecash leadership team
Management profileNumber of profiles
Profiles1 record
Baldecash funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Baldecash 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 Baldecash
What does Baldecash do?
Baldecash extends credit to individual students to finance the purchase of laptops and related educational equipment. Discounts on financing costs are tied to the borrower's academic performance, so higher grades translate into better loan terms. The product is delivered through a Spanish-language web platform accessible at baldecash.com.
When was Baldecash founded?
Baldecash was founded in 2019. It employs 11 to 50 people.
Where is Baldecash based?
Baldecash is headquartered in Miraflores, Peru, in the Latin America region.
Who are Baldecash's main competitors?
Emerging players on record are albo, Kueski, Aplazo, Nelo, Stori and Creditas. Broad incumbents are SoFi, Sallie Mae, BCP (Banco de Crédito del Perú) and BBVA Perú.
Does Baldecash have an API?
No public API is recorded for Baldecash.
What industry is Baldecash in?
Baldecash's product category is Consumer Lending (Student Financing). Its primary akta.pro industry code is FSAKAEAG, In-School Tuition & Fee Financing (Short-term/Bridge), with a secondary code of FSAKAEAB, Private Student Loans (Undergraduate & Graduate). Its NAICS code is 52222 and its SIC code is 6141.