JuanchoTePresta

What JuanchoTePresta does

Juancho Te Presta S.A.S. is a Colombian fintech operating a 100% digital consumer lending platform that originates personal loans of 1-5 million Colombian pesos to Colombian adults aged 18-60 earning more than 1.5 million pesos per month, including self-employed and underbanked borrowers underserved by traditional banks. The platform runs an end-to-end online workflow — online application, video-call and biometric identity verification, electronic contract signing, automated credit decisioning via Experian, TransUnion, and FCC bureau data, and disbursement within 24 hours after a 10-minute approval decision. Underlying technology combines web and mobile front-ends with Belvo open-finance integration, Kushki payment processing, and PSE bank payments, while NLP supports chatbot and document processing and predictive analytics drive credit scoring and loan sizing up to 2x monthly income.

The business model layers multiple monetization streams on top of the core 24.3% effective annual interest rate: a 10% Fixed Aval fee at disbursement, a 79,730 COP CONFECAMARAS movable guarantee registration fee, a recurring Variable Aval guarantee service priced at 2.75% monthly for women and 3.60% monthly for men, and an optional electronic signature subscription. Repayment is collected through Efecty, Punto Red, Bancolombia, Banco Itaú, Banco de Occidente, and PSE channels, with payroll deduction available through the Juancho Te Descuenta product for employer partnerships. The company holds ColombiaFintech association membership, adheres to its Code of Good Practices, and operates under Superintendencia de Sociedades and Superintendencia de Industria y Comercio oversight — operating as a non-deposit-taking SAS rather than a licensed financial institution.

The company was founded in 2018, is headquartered in La Ceja (Antioquia) with a legal correspondence office in Medellín, operates with 11-50 employees, and has raised a single seed round in September 2019 from Gavia Inv (undisclosed amount). No subsequent funding rounds, revenue figures, active customer counts, or M&A activity are disclosed in the source data.

Name

JuanchoTePresta

Legal name

Juancho Te Presta S.A.S.

Website

https://juanchotepresta.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Juancho Te Presta is a Colombian fintech operating a 100% digital consumer lending platform that issues personal loans of 1-5 million pesos to employed and self-employed Colombian adults, using biometric verification, credit bureau data, and automated decisioning for 10-minute approval and 24-hour disbursement.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Sales Financing (52222)

akta.pro primary industry

Loan Origination Systems (LOS) (FSALALAA)

akta.pro secondary industries

Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB), Consumer Identity Verification (KYC) & Fraud Risk for Credit (FSAKAKAD)

Keywords

• Online consumer lending
• Personal loans
• Digital credit platform
• Fintech lending
• Payroll deduction loans

Headquarters

HQ city

Medellín

HQ country

Colombia

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue from interest charged on loans at 24.3% EA (Effective Annual)
2. Fixed Guarantee Fee: One-time deduction of $79,730 from disbursed amount for registration of movable guarantee with CONFECAMARAS
3. Fixed Aval Service: 10% of loan amount charged at disbursement for optional fixed guarantee service replacing co-signer requirement
4. Variable Aval Service: Monthly fee of 2.75% for women and 3.60% for men for variable guarantee service
5. Electronic Signature Service: Monthly fee for optional electronic signature service: $27,750 for 12 months, $18,500 for 18 months, $13,875 for 24 months

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels10 records

Core offering

Juancho Te Presta is a Colombian fintech that operates a 100% online personal lending platform, originating unsecured consumer loans of 1–5 million COP to Colombian residents. The fully digital process covers application, biometric identity verification, automated credit assessment, electronic contract signing and 24-hour disbursement. Revenue is generated primarily through interest on loans plus optional service fees for guarantees, electronic signatures and movable-collateral registration.

Product overview

Juancho Te Presta operates as a unified digital lending platform that combines core credit services with modular add-on features. The main platform is a 100% online credit product offering 1-5 million pesos with rapid processing, augmented by optional services including: Aval Variable (guarantee service replacing co-signers), Juancho Te Descuenta (payroll deduction for employer partnerships), Garantía Mobiliaria (collateral registration), and Firma Electrónica (electronic signature). The platform integrates with multiple payment channels (PSE, Efecty, Punto Red, bank transfers) and credit bureaus (Experian, TransUnion, FCC) to deliver a complete digital lending lifecycle from application through repayment.

Differentiator

Problem solved

Functional benefit

Products and services

• Juancho Te Presta Personal Loan Unsecured 100% online personal loan product for Colombian consumers, offering 1–5 million COP at a 24.3% EA interest rate, with approval in ~10 minutes and disbursement within 24 hours. The product is targeted at Colombian adults aged 18–60 with monthly income above 1.5 million COP, whether employed or self-employed, and is processed end to end through the company's web application with biometric identity verification and electronic signature.
• Juancho Te Descuenta (Payroll Deduction Service) Payroll-deduction service (descuento de nómina) offered via formal agreement between an employer and Juancho Te Presta, enabling loan repayments to be deducted directly from employees' salaries. Targeted at Colombian employers offering employee financial benefits and at borrower-employees seeking automated repayment.
• Aval Variable (Variable Guarantee Service) Optional guarantee service that allows borrowers to access Juancho Te Presta loans without a co-signer. Charges a monthly fee of 2.75% for women and 3.60% for men, and serves individual borrowers who lack a traditional guarantor.
• Aval Fijo (Fixed Guarantee Service) Optional fixed guarantee service that replaces the co-signer requirement via a single charge of 10% of the loan amount at disbursement. Designed for borrowers who prefer a one-time cost over the recurring Aval Variable monthly fee.
• Garantía Mobiliaria (Movable Guarantee Registration) Collateral registration service for movable goods, filed with CONFECAMARAS, providing Juancho Te Presta with execution rights over the collateral in case of default. Charged as a one-time $79,730 COP deduction from the disbursed amount.
• Firma Electrónica (Electronic Signature Service) Optional electronic signature service for digital contract execution with the company, priced as a monthly subscription tiered by term: $27,750 COP/month for 12 months, $18,500 COP/month for 18 months, or $13,875 COP/month for 24 months. Provides borrowers an alternative to physical or certified digital signatures.

Quantifiable outcome

• Credit approval decision in 10 minutes
• +2 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability5 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• ExperiancoreTechnology or IntegrationCredit bureau integration for credit history checks and risk assessment during loan evaluation process
• TransUnioncoreTechnology or IntegrationCredit bureau integration for credit history checks and risk assessment during loan evaluation process
• PSE (Pagos Seguros en Línea)coreTechnology or IntegrationPayment gateway integration for secure online loan payments
• EfectycoreChannel Partner/ Reseller/ DistributorPhysical payment points network for cash payments and withdrawals up to $1,800,000 nationwide
• Punto RedminorChannel Partner/ Reseller/ DistributorPhysical payment point network with code 11698 for cash payments
• BancolombiacoreChannel Partner/ Reseller/ DistributorBank account for disbursements and payments, with convenience account #226-033114-71
• Registro de Garantías MobiliariascoreTechnology or IntegrationCONFECAMARAS registration for movable property guarantee execution in case of default
• ColombiaFintechcoreStrategic or Co-development PartnerIndustry association membership providing trust seal and best practices code compliance for over 300 member companies

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses4 records

Competitive moat4 records

Customer concentration

• Xx.com/juanchotepresta
• YouTubejtp.lat/BbX
• Facebookjtp.lat/LcE
• LinkedInlinkedin.com/company/juanchotepresta
• Instagramjtp.lat/OvO
• TikTokjtp.lat/Dmj

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 JuanchoTePresta