Financiera QAPAQ

What Financiera QAPAQ does

Financiera QAPAQ is a privately held, for-profit financial services company headquartered in Lima, Peru, founded in 2010. According to its firmographic record, the company operates as a "financiera" — a Peruvian regulated category of non-bank financial institution — offering loans, savings products, insurance products, and other banking-adjacent services to customers within the Peruvian domestic market. Its corporate website is qapaq.pe, and the company is not publicly listed.

The company's business model centers on multi-product retail financial services under Peruvian financial-services regulation, suggesting oversight by the Superintendencia de Banca y Seguros (SBS) and likely a customer base spanning consumer and small-business borrowers and depositors. No further details are available about its product mix, interest-rate structure, underwriting approach, distribution footprint (branch vs. agent vs. digital), customer segments, or technology stack.

The input material is notably sparse across nearly every investigative dimension: no management team is disclosed, no funding rounds are recorded, no investors, partnerships, awards, patents, or named customers are present, and no pricing, headcount, or revenue figures of usable quality are available. The reported financial block contains values that are implausibly large (revenue in the trillions) and internally inconsistent (gross profit exactly equals revenue; persistent operating and net losses across five years), which suggests a data format or scaling error rather than accurate disclosure. As a result, any deeper strategic, financial, or competitive assessment must be limited to what the firmographic profile alone supports.

Name

Financiera QAPAQ

Website

https://qapaq.pe

Company type

Private

Founded year

2010

Headcount range

501–1,000 employees

Short description

Financiera QAPAQ is a privately held Peruvian financial services company founded in 2010 in Lima, offering loans, savings, insurance, and other banking-adjacent products to retail and small-business customers in Peru.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Sales Financing (52222), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)

Keywords

• Consumer lending
• Microfinance services
• Savings products
• Insurance products
• Financial inclusion

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Financiera QAPAQ is a Peruvian financial company that provides consumer loans, savings products, and insurance offerings, along with other retail banking services. The firm operates as a private financiera based in Lima, Peru, founded in 2010, serving individual customers with access to credit, deposits, and risk-protection products.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Loans
• Savings Products
• Insurance Products
• Banking Services

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Scotiabank Perú: Large Peruvian commercial bank with a consumer finance arm (formerly Crediscotia) that overlaps directly with QAPAQ's lending products while also serving corporate and retail banking at scale.
• Banco de Crédito del Perú (BCP): Peru's largest universal bank, offering the full suite of consumer loans, savings, and insurance that overlaps QAPAQ's product set but at vastly greater scale and with broader customer reach.
• Interbank (Banco Internacional del Perú): Major Peruvian universal bank with material consumer credit and insurance franchises, competing with QAPAQ in the same credit and savings categories but across a much broader customer base.
• Banco Pichincha Perú: Peruvian subsidiary of Ecuador's Banco Pichincha, with a strong microfinance and SME lending franchise plus savings products - a broader incumbent competing for QAPAQ's target borrower segments.

Direct peers

• MiBanco: Peru's leading microfinance bank, lending to small entrepreneurs and underserved segments with savings and insurance adjacencies. Highly comparable business model and target customer as a vertically-segmented financiera.
• Compartamos Financiera (Peru): Peruvian subsidiary of the regional Compartamos group, providing microfinance loans, savings, and insurance to low-income entrepreneurs with a comparable credit-led vertical model.
• Caja Municipal de Ahorro y Crédito (CMAC) network: Peru's municipal savings and credit associations operate as financieras offering loans, savings, and insurance to local underbanked populations - a directly comparable regulated, multi-product institution.
• Financiera Crediscotia (now CrediScotia): One of Peru's largest financieras, offering consumer and SME loans, savings, and insurance through a similar multi-product model under SBS oversight. Closely comparable to QAPAQ in regulated product mix and customer profile.
• EDPYME / Alternativa (formerly EDPYME Confianza): Peruvian microfinance entity focused on small-business and consumer credit with savings products, comparable in vertical segmentation and target borrower profile to QAPAQ.
• Financiera Confianza: Peruvian financiera providing consumer and microenterprise loans plus savings products, with a similar focus on underbanked segments and vertical product offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat1 record

Key risks5 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/qapaqfinancierasolidaria

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 Financiera QAPAQ