Crece Capital

What Crece Capital does

Crece Capital S.A.C. is a Peruvian financial services company founded in 2016 and headquartered in Miraflores, Lima, that is registered with the Superintendencia de Banca y Seguros (SBS) and holds the Sello Certificación Set 2024. The company provides receivables-based financing—factoring (both recourse and non-recourse variants), confirming (delegated supplier payment management), and medium-term credit secured by real estate guarantees—to small and medium-sized enterprises (PYMES) and large corporations across Peru. Its underwriting approach evaluates the credit quality of the invoice's paying customer rather than the applicant's own credit history, enabling it to serve SMEs that have been declined by traditional banks.

Operations run on a digital-first platform with nearly 100% digital workflows from application through disbursement, enabling financing decisions in 2–6 hours. Distribution is direct-to-client via a sales-led motion combining phone, WhatsApp Business, web inquiry forms, and six physical offices (Lima headquarters plus regional offices in Arequipa, Piura, Chiclayo, Cajamarca, and Trujillo). Marketing emphasizes content (educational blog on factoring and Peruvian financial regulation), multi-platform organic social media, and direct advisor-led conversion.

The revenue model is transaction-based across all products: Crece Capital earns discount interest on factored invoices (with up to 5% retention in recourse factoring), interest on extended payment terms in confirming arrangements, and interest on 2–5 year amortizing loans in Crédito con Garantía Hipotecaria. To date the company has financed more than 1,600 clients with cumulative volume above S/1,600 million, and currently finances more than USD 100 million per year for its clients. The company is founder-led under CEO Matias Grunwald and reports 11–50 employees. No external funding rounds, M&A activity, or AI/ML capabilities are disclosed.

Name

Crece Capital

Legal name

Crece Capital S.A.C

Website

https://crececapital.pe

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Crece Capital S.A.C. is an SBS-regulated Peruvian financial services firm that provides factoring, confirming, and mortgage-backed credit to small and medium enterprises and corporations nationwide through a digital-first platform and six regional offices.

Ownership category

akta.pro rank

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring Services (Small & Large Enterprise): Crece Capital purchases or advances payment on negotiable invoices and bills of exchange from client businesses. The company retains a guarantee percentage and charges interest/fees on the advanced amount. For recourse factoring, a retention (typically up to 5%) is held and returned upon client payment. For non-recourse factoring (Pronto Pago), 100% of invoice value is financed with the institution assuming default risk. Revenue is generated through discount interest charged on the advanced amount.
2. Credit with Hipotecary Guarantee: Medium-term loans (2–5 years) secured by real estate property. The company earns interest income on the disbursed loan amount over the agreed repayment period. Property is held in a trust (fideicomiso) as collateral.
3. Confirming: Crece Capital pays suppliers on behalf of client enterprises and subsequently collects the amount plus accrued interest from the client. Revenue is generated from interest charged on the extended payment period (typically 30–90 days).
4. Pronto Pago: A non-recourse factoring service for large enterprise clients who delegate payment management. Suppliers receive 100% financing on invoices; Crece Capital earns interest and fees from the large enterprise client for the payment extension and risk assumption.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Crece Capital is a Peruvian SBS-regulated financial services firm that purchases and advances payment on accounts receivable (facturas negociables and letras de cambio) for small and medium enterprises. It also provides supplier confirming, Pronto Pago non-recourse supply chain financing, and 2–5 year mortgage-secured working capital loans through a nearly 100% digital origination and disbursement platform.

Product overview

Crece Capital is a financial services company registered with Peru's SBS (Superintendencia de Banca y Seguros) that offers a suite of financing products primarily centered on accounts receivable management. The core product portfolio includes two variants of Factoring (Factoring Pequeña Empresa for small businesses and Factoring Gran Empresa for corporations), which enable companies to convert receivables into immediate liquidity. The product lineup is complemented by Crédito con Garantía Hipotecaria (mortgage-backed credit for working capital and projects), Confirming (a supplier payment delegation service), and Pronto Pago (non-recourse factoring for supply chain financing). These products work together to address the full spectrum of SME financing needs, from immediate liquidity through factoring to extended payment terms through confirming and medium-term secured loans through guaranteed credit.

Differentiator

Problem solved

Functional benefit

Products and services

• Factoring Pequeña Empresa Factoring service for small and medium businesses that enables companies to advance payment of their accounts receivable (facturas negociables and letras de cambio) and obtain liquidity within hours by ceding documents as collateral, with a guarantee percentage retained until the customer's debtor pays.
• Factoring Gran Empresa Factoring service for large enterprises and corporations that delivers quick and flexible liquidity on accounts receivable without consuming bank credit lines.
• Crédito con Garantía Hipotecaria Medium-term credit of 2 to 5 years secured by real estate property as collateral, used to finance working capital, new projects, debt consolidation, or refinancing, with flexible payment structures and the property held in a trust.
• Confirming Capital work credit service that delegates payment management to Crece Capital: Crece Capital pays the company's suppliers and the company repays Crece Capital over an extended payment term (typically 30 to 90 days), improving supplier loyalty and cash flow management.
• Pronto Pago Non-recourse supply chain financing service that allows suppliers to receive 100% financing of invoice value through a centralized digital platform, with late-payment interest assumed by the enterprise client rather than the supplier, and payment terms extendable by 30, 60, or 90 days.

Quantifiable outcome

• Financing approved and disbursed within 2–6 hours for existing clients
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Konfío: Mexican fintech providing working capital and credit solutions to SMEs, including factoring-style products. Comparable in targeting underserved SMBs with fast, digital-first lending and alternative credit assessment.
• Factureable: Mexican factoring platform enabling businesses to discount receivables for immediate liquidity. Most directly comparable to Crece Capital's core factoring offerings for SMEs in Latin America.
• Kapital: LATAM (Mexico/Colombia) SMB banking and credit platform providing working capital and receivables financing. Directly comparable on target segment (SMEs) and product set (factoring/credit lines).

Emerging players

• Covalto: Mexican fintech (formerly Consubanco) focused on SME and consumer credit, including factoring and supply chain finance. Comparable to Crece Capital's mix of factoring and secured credit products.
• Tribal Credit: LATAM SME credit fintech providing working capital and credit cards to small businesses. Comparable in serving underserved SMBs across Latin America with digital-first underwriting.

Broad incumbents

• Mibanco (Peru): Peru's leading microfinance and SME lender, part of the Credicorp group. Comparable in serving Peruvian SMEs with working capital and credit products, though as a much larger incumbent.
• Banco de Crédito del Perú (BCP): Peru's largest commercial bank offering factoring, confirming, and SME credit. Comparable product set; competes for the same SME working capital customers as Crece Capital, but operates as a full-service incumbent.
• Interbank Peru: Major Peruvian commercial bank providing SME financing and factoring products. Comparable in targeting Peruvian SMEs for working capital, though as part of a broader retail/corporate banking franchise.
• Scotiabank Perú: Peruvian commercial bank with SME and corporate lending products, including factoring-style solutions. Comparable as a domestic incumbent competing for similar SMB credit demand.

Others

• Mercado Pago: LATAM fintech offering merchant payments and increasingly credit/SMB financing. Indirectly comparable as a digital-first platform enabling Peruvian SMBs to access working capital, though focused primarily on payments.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/crece-capital
• Facebookfacebook.com/Crececapital
• Pinterestpinterest.com/crececapital
• YouTubeyoutube.com/crececapital
• Instagraminstagram.com/crececapital

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Crece Capital