Interfactor

What Interfactor does

Interfactor S.A. is a privately held Chilean financial services company founded in 2005, specializing in invoice factoring, leasing, credit, and guarantee products targeted at PYMES (small and medium enterprises) across Chile. The company operates under the supervision of the CMF (Comisión para el Mercado Financiero) and has been continuously present across all 13 administrative regions of Chile for over 19 years. Its primary customer segment comprises SMEs that need immediate liquidity from pending receivables but want to avoid adding debt to the formal banking system, representing roughly 52.5% of Chilean enterprises. The platform allows clients to cede invoices (typically advancing ~90% of face value), delegate collections, and preserve bank borrowing capacity, with risk-based, per-transaction pricing determined by variables including client, payer, operation type, and financing term.

The company's technology backbone is the proprietary Interfactor Online portal, which enables self-service registration, XML invoice submission, SII (Servicio de Impuestos Internos) tax-folder integration, digital certificate authentication, real-time collection tracking, and historical portfolio monitoring. The platform is complemented by dedicated commercial support executives for larger or more complex clients. Distribution is digital-first nationwide, with no physical branch network, supplemented by inside-sales contact, referral channels, and content marketing across a corporate blog, YouTube, LinkedIn, Facebook, and Instagram. GTM motion is hybrid: a self-serve PLG-style portal for smaller PYMES and inside-sales-assisted onboarding for larger deals.

The revenue model is primarily transaction-based, driven by factoring fees and commissions on each invoice cession. Secondary revenue streams include leasing rentals and fees on credit and guarantee instruments. The company maintains strategic affiliations with CORFO for government-backed PYME financing programs and is independently rated annually by Fitch Ratings and Humphreys (2017-2020). No public listing, external institutional investment, or revenue figures are disclosed in the available data.

Name

Interfactor

Legal name

Interfactor S.A.

Website

https://interfactor.cl

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

251–500 employees

Short description

Interfactor S.A. is a Chilean financial services company founded in 2005 that provides invoice factoring, leasing, credit, and guarantee products to small and medium enterprises across all 13 regions of Chile via its proprietary Interfactor Online portal.

Ownership category

akta.pro rank

Product category

Commercial Finance / Invoice Factoring

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Invoice Trading / Receivables Marketplace (P2P) (FSAKAHAH)

Keywords

• Invoice factoring
• SME financing
• Accounts receivable factoring
• Commercial leasing
• Working capital solutions

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring Operations: Interfactor generates revenue through factoring fees and commissions charged on invoice assignment operations. The cost is determined by risk analysis of variables including client, payer, operation type, and financing term. Typically advances approximately 90% of invoice value to clients.
2. Leasing Services: Equipment and asset leasing services for PYMES, providing another financial product revenue stream.
3. Credit Services: Various credit products for businesses beyond traditional factoring.
4. Guarantee Services: Guarantee and warranty instruments for business operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Interfactor S.A. provides invoice factoring and complementary financial services (leasing, credits, and guarantees) to small and medium enterprises (PYMEs) in Chile, enabling clients to obtain immediate liquidity by ceding their accounts receivable. Services are delivered through a proprietary digital platform, Interfactor Online, which integrates with Chile's tax authority (SII) for invoice verification and uses digital certificate authentication for secure operations. The company typically advances approximately 90% of invoice value to clients.

Product overview

Interfactor offers a unified financial services platform focused on factoring, complemented by leasing, credits, and guarantees. The flagship offering is invoice factoring (Factoring), which allows PYMEs to obtain immediate liquidity by ceding their receivables. All services are accessible through the proprietary Portal Interfactor Online platform, which enables end-to-end digital management including registration, invoice submission, quotation approval, and payment processing.

Differentiator

Problem solved

Functional benefit

Brands

• Interfactor Online: Digital portal platform for online factoring operations, bill management, and client services

Products and services

• Factoring Core invoice factoring service enabling Chilean companies to cede their accounts receivable in exchange for immediate liquidity, providing working capital without incurring bank debt. Typically advances approximately 90% of invoice value.
• Leasing

Quantifiable outcome

• Typically provides approximately 90% of invoice value in immediate liquidity
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Six partnerships are on record, tiered moderate, core and minor.

• CORFOmoderateStrategic or Co-development PartnerCORFO (Corporación de Fomento de la Producción) is Chile's main economic development agency. Interfactor displays CORFO's logo indicating a relationship involving government-backed financing programs for PYMES. CORFO programs often provide credit guarantees that enable factoring companies to serve higher-risk SME clients.
• CMF (Comisión para el Mercado Financiero)coreOthersChile's financial markets regulator. Interfactor operates under CMF oversight as a regulated factoring company. The CMF logo appears on the website indicating regulatory compliance and authorization to operate.
• AFYSminorOthersAFYS appears as a partner/organization associated with Interfactor, appearing in the website footer alongside CMF and CORFO logos.
• Fitch RatingsmoderateOthersInternational credit rating agency that has issued ratings for Interfactor. Annual ratings available from 2017-2020 in the financial antecedents section, indicating independent credit assessment.
• Humphreys RatingsmoderateOthersChilean credit rating agency that has issued ratings for Interfactor. Annual ratings available from 2017-2020 demonstrating independent financial assessment.
• IF Servicios S.A. (Subsidiary)coreOthersIF Servicios S.A. is Interfactor's subsidiary company. Both entities operate the ethics/complaints channel (Canal de Denuncias) jointly, and the subsidiary likely provides complementary services or operational support.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• CORFO (as program administrator): Chilean government economic development agency that administers SME credit guarantee programs — adjacent ecosystem participant enabling factoring companies like Interfactor to underwrite higher-risk segments.

Broad incumbents

• Security (Grupo Security) Factoring: Chilean financial conglomerate with a factoring division serving larger corporates and SMEs; broader product portfolio (banking, insurance, asset management) makes it an incumbent rather than direct niche competitor.
• Consorcio Financiero Factoring: Chilean financial group offering factoring as part of broader banking, insurance, and securities services — overlaps with Interfactor's PYME factoring but operates at larger scale with deeper balance sheet.
• BancoEstado factoring unit: Chilean state-owned bank offering factoring products to PYMEs and corporates; incumbent player with state backing, lower cost of capital, and broader distribution network across Chile.

Regional players

• Afirma (Soluciones Financieras): Mexican factoring company serving PYMEs and corporates — comparable business model in Latin American factoring market but operating in Mexico rather than Chile.
• Factorline (Peru): Peruvian factoring company serving SMEs with similar invoice-factoring model — directly comparable business but operates in a different Latin American geography.
• Pragma (Peru): Peruvian factoring and financial services company serving SMEs — comparable invoice-discounting model in a neighboring Latin American market.

Direct peers

• Tanner Servicios Financieros: Chilean financial services company offering factoring, leasing, and credits to businesses — directly competes with Interfactor across the same multi-product suite in the same Chilean PYME and corporate market.

Emerging players

• Tributi: Chilean fintech offering accounting, tax, and working capital solutions to PYMEs — emerging player integrating factoring into a broader SMB fintech stack that competes for the same PYME client wallet.
• Kredito (Chile fintech): Chilean fintech providing online working capital and factoring to PYMEs — targets the same client segment with a digital-first approach, representing competitive threat from fintech entrants.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Interfactor-109596747043706
• LinkedInlinkedin.com/company/interfactor-s.a.
• Instagraminstagram.com/interfactor_chile

Compliance3 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 Interfactor