Qnt

What Qnt does

QNT S.A.S. is a Bogotá-based Colombian fintech founded in 2019 that operates in the credit rehabilitation ('rebanca-rización') segment, serving individuals who are either negatively reported in Colombian credit bureaus (Datacrédito/Experian, CIFIN, TransUnion) or have no formal credit history. Its core offering is the Programa de Rebancarización, a 12-month subscription priced at COP $250,000 one-time plus COP $50,000 per month, which bundles the company's specialized Tarjeta QNT credit card (opening limits COP $220,000-$350,000, scaling up to COP $1,500,000 for the master tier), six annual diagnostic updates, life and accident insurance, psychological and nutritional assistance, and WhatsApp-based financial education. The company layers a low-cost entry product, the Diagnóstico Financiero (COP $7,900 promotional), to feed a product-led growth funnel, and monetizes the credit card through interest (28.79% EA), monthly administration fees (COP $23,000), debtor protection insurance (COP $2,000), and reissuance fees (COP $36,414).

The technology stack centers on integrations with Colombia's two primary credit bureaus for real-time credit profile retrieval and monthly positive behavioral reporting, an AI-powered WhatsApp assistant named 'Rebeca' that provides 24/7 conversational financial guidance, and a self-serve customer portal (portalclientes.qnt.com.co). Distribution is digital-first — SEO-led content marketing, WhatsApp-based inside sales, and AI chatbot triage — supported by human advisors. The company reports 14,000+ active cardholders and 590,000+ Colombians in the broader Regreso al Crédito program, with 51-100 employees and operations limited to a single country (Colombia).

Name

Qnt

Legal name

QNT S.A.S.

Website

https://qnt.com.co

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

QNT is a Bogotá-based Colombian fintech that helps credit-reported and financially excluded individuals rebuild their credit scores through a 12-month subscription program combining a specialized credit card, AI-driven diagnostics, and WhatsApp-based advisory support.

Ownership category

akta.pro rank

Product category

Consumer Credit Rehabilitation

NAICS

Credit Card Issuing (522210), Nondepository Credit Intermediation (5222), Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industries

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit rehabilitation
• Credit building card
• Financial diagnosis
• Debt negotiation
• Credit score recovery

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Rebancarización Program Subscription: One-time subscription fee of COP $250,000 for program enrollment, plus a monthly maintenance fee of COP $50,000. Includes the credit-building QNT card, financial diagnosis with 6 updates per year, life insurance, psychological and nutritional assistance, and ongoing financial education via WhatsApp over a 12-month program period.
2. Intelligent Financial Diagnosis: Low-cost diagnostic service (COP $7,900) providing a personalized credit profile analysis including debt inventory, bank perception, debt prioritization strategy, direct negotiation contacts, debt-to-income ratio, and credit score improvement tips.
3. Credit Card Interest and Fees: Revenue from card interest on revolving balances (28.79% EA), reissuance fees (COP $36,414), monthly administration fees (COP $23,000), and debtor protection insurance (COP $2,000). Cardholders with positive behavior generate progressive limit increases.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

QNT operates a credit rehabilitation platform (Programa Regreso al Crédito) that helps Colombian individuals who are reported in credit bureaus recover their creditworthiness. The offering combines an AI-powered financial diagnosis, a specialized credit card (Tarjeta QNT) that generates positive monthly reports to Datacrédito/Experian and TransUnion, direct bank negotiation tools, financial education, and human advisory support over a 12-18 month program. Customers enter through a low-cost diagnostic (COP $7,900) and upgrade to a paid subscription (COP $250,000 + COP $50,000/month).

Product overview

QNT is a Colombian fintech company offering a comprehensive credit rehabilitation ecosystem. The core offering consists of three main products: the Tarjeta QNT (a specialized credit card for people with negative credit reports), the Diagnóstico Financiero (intelligent financial diagnosis service), and the Programa de Rebancarización (a structured 12-month credit rehabilitation program). These are supported by the Rebeca AI assistant for 24/7 guidance, direct bank negotiation tools, insurance services, and financial education through the QNT Academy. The ecosystem works together to help reported/credit-excluded individuals rebuild their credit history and regain access to formal financial systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Programa de Rebancarización (Regreso al Crédito) A structured 12-month credit rehabilitation subscription program for individuals reported in Colombian credit bureaus. Includes the QNT credit card with up to COP $1,000,000 limit, six financial diagnostic updates per year, life insurance and assistance, WhatsApp-based financial education, and direct bank negotiation support. Priced at COP $250,000 one-time subscription plus COP $50,000/month maintenance.
• Diagnóstico Financiero Inteligente (Intelligent Financial Diagnosis) Standalone one-time diagnostic service that provides a comprehensive analysis of the user's credit status across credit bureaus (Datacrédito, TransUnion). Delivers debt inventory, credit score assessment, bank perception analysis, debt prioritization strategy, direct negotiation contacts, debt-to-income ratio, and credit score improvement tips. Priced at COP $7,900 (promotional, regularly COP $10,000). Designed as a low-cost entry point to convert prospects into the full program.
• Tarjeta QNT (QNT Credit Card) A specialized credit card designed for individuals with negative credit reports (reportados) that generates positive monthly behavioral reports to Datacrédito/Experian and TransUnion. Opening credit limit COP $220,000–$350,000 with progressive increases up to COP $1,500,000 for master tier based on payment behavior. Carries 28.79% EA interest, COP $23,000 monthly admin fee, COP $2,000 debtor protection, and COP $36,414 reissuance fee.
• Portal Clientes QNT (Customer Portal) A self-service customer platform providing access to credit monitoring, progress tracking, account management, and personalized financial dashboards for program participants. The primary digital distribution channel for QNT services.

Quantifiable outcome

• 55,000+ Colombians successfully presented to banking entities and approved for formal credit
• +3 more outcomes

Named customers14 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Strategic Financial Allies (Financieros)coreStrategic or Co-development PartnerQNT works with financial allies (banking and fintech entities) to enable credit rehabilitation and reintegration of reported individuals into the formal financial system. These partnerships support the company's core mission of inclusion by providing pathways for customers to access formal credit after completing the rehabilitation program.
• Strategic Technology Allies (Tecnológicos)coreTechnology or IntegrationQNT collaborates with technology partners to power its AI-driven diagnostic tools, the 'Rebeca' WhatsApp assistant, and integration with credit bureau systems. These technology alliances enable real-time credit analysis, reporting, and digital service delivery.
• Strategic Social Allies (Sociales)minorStrategic or Co-development PartnerQNT partners with social organizations aligned with the vision of responsible credit and real financial inclusion, extending the reach of financial education and rehabilitation programs to underserved populations across Colombia.
• TransUnion ColombiacoreTechnology or IntegrationTransUnion is referenced as a credit bureau integration partner. QNT's diagnostic tool analyzes credit reports from TransUnion alongside Datacrédito Experian to generate personalized credit profiles for customers. QNT generates positive monthly reports to TransUnion for cardholders.
• Datacrédito ExperiancoreTechnology or IntegrationDatacrédito Experian is Colombia's primary credit bureau. QNT integrates with this bureau for credit profile analysis and generates monthly positive behavioral reports for customers who use the QNT card responsibly.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Dave: Dave is a US subscription fintech targeting underbanked consumers with cash advances, budgeting tools, and a "Dave Banking" debit card. Comparable to QNT in the subprime/underbanked target segment and the subscription monetization model, with a complementary focus on short-term liquidity rather than credit-score rehabilitation.
• Credit Sesame: Credit Sesame provides free credit scores, monitoring, and AI-driven recommendations for credit improvement, with a credit builder product. Directly comparable to QNT on the credit-profile analysis, score improvement advisory, and credit-builder product, though Credit Sesame is US-focused and primarily ad/lead-gen monetized.
• Brigit: Brigit is a US consumer fintech offering cash advances, budgeting, and credit-building features to underbanked users on a subscription model. Comparable to QNT in the target customer (subprime/credit-invisible), the subscription revenue model, and the use of AI-driven financial guidance, with less emphasis on formal bureau reporting.
• Self Financial: Self Financial offers credit-builder loans and a secured credit card designed to help consumers with thin or damaged credit build positive payment history reported to the bureaus. Closely comparable to QNT's Rebancarización model: both combine a credit-building product, monthly positive bureau reporting, and a multi-month rehabilitation journey toward formal credit access.
• MoneyLion: MoneyLion is a US fintech offering credit-builder loans, a credit card, financial tracking, and an "Instacash" product for subprime and credit-invisible consumers. Comparable to QNT in targeting the underbanked, bundling a credit-building product with advisory/education, and monetizing through subscription + card interest/fees.
• Possible Finance: Possible Finance provides small installment loans and a credit-builder product aimed at thin-file and subprime consumers, with reported positive bureau behavior. Direct peer to QNT on the credit-rehabilitation mechanic and the subprime target segment, though delivered as direct lending rather than the bundled diagnostic+advisory+card model.
• Tally: Tally is a credit card debt management app that helps users pay down high-interest cards and improve their credit utilization and score. Comparable to QNT in addressing credit-excluded/over-indebted consumers and using AI-driven personalization, though focused on debt consolidation rather than end-to-end credit rehabilitation.

Regional players

• Nequi (Bancolombia): Nequi is Bancolombia's digital wallet targeting underbanked and unbanked Colombians with a mobile account, savings, and increasingly credit products. Same Colombian market and similar financial-inclusion mission as QNT, but distributed as a bank-owned incumbent rather than an independent rehabilitation specialist, and without QNT's focus on rebuilding reported consumers specifically.

Broad incumbents

• Serasa (Serasa Experian Brazil): Serasa is Brazil's dominant credit bureau and offers consumer credit score monitoring, debt negotiation ("Feirão Serasa Limpa Nome"), and financial education. Closest large-scale LATAM analog to QNT's credit-rehabilitation workflow, with similar reliance on bureau data and the same target segment of credit-reported consumers, though operating at much larger scale and as an incumbent bureau.
• Credit Karma: Credit Karma (now part of Intuit) is a broad incumbent in consumer credit monitoring and financial product recommendations. Comparable to QNT because both use credit bureau data to help consumers understand and improve their credit profile, though Credit Karma operates at much larger scale and across multiple geographies, while QNT pairs the diagnostic with its own credit card and advisory program.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/s

Compliance1 record

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 Qnt