ALAPAR

What ALAPAR does

ALAPAR, S.A. operates as a Guatemalan fintech peer-to-peer lending platform that originates mortgage loans for small and medium enterprises (SMEs) and individuals underserved by traditional banks. The company extends secured mortgage loans against residential and commercial property (houses, offices, land, warehouses, or commercial spaces), with loan sizes ranging from Q100,000 to Q800,000 (approximately $5,000 to $100,000), interest of 1.5% monthly calculated on outstanding balances, terms up to 10 years, no prepayment penalties, and free property appraisals within Guatemala City and surrounding municipalities. Its core technology consists of a digital pre-approval system that returns decisions within 24 hours and a P2P marketplace portal where local investors can fund loans originated through the platform.

ALAPAR generates revenue primarily through interest income on outstanding mortgage balances at 1.5% monthly, classified as a recurring subscription-style revenue stream tied to its loan portfolio. Its go-to-market combines a digital self-serve pre-approval funnel (leads.alapar.com.gt/form) with direct WhatsApp and office-based customer service across two Guatemala City locations, supported by organic social media presence on Facebook, Instagram, LinkedIn, and WhatsApp. The target segments are SME borrowers (debt consolidation, mortgage transfer, property improvement, working capital, property purchase), individual residential and commercial property borrowers, and local individual investors seeking mortgage-backed investment opportunities. According to company materials, the platform claims to have supported the creation of over 2,256 new jobs and operates as part of a Guatemalan group with more than 15 years of experience in mortgage financing.

Name

ALAPAR

Legal name

ALAPAR, S.A.

Website

https://alapar.com.gt

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

ALAPAR is a Guatemalan fintech that operates a peer-to-peer mortgage lending platform, originating secured real-estate loans for underserved SMEs and individuals and matching them with local investors via a digital marketplace.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSAKAHAA

Consumer P2P Personal Loans (Unsecured)

Financial & Insurance/Lending & Consumer Finance/Peer-to-Peer (P2P) & Marketplace Lending

Keywords

• Mortgage lending services
• Peer-to-peer lending
• SME financing solutions
• Digital pre-approval
• Investment marketplace

Headquarters

HQ city

Guatemala City

HQ country

Guatemala

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Interest Income: ALAPAR generates revenue through interest income on mortgage loans extended to borrowers. Interest rate is 1.5% monthly on outstanding balances. The company structures loans for SMEs and individuals, with loan amounts ranging from Q100,000 to Q800,000 (approximately $5,000 to $100,000).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

ALAPAR provides secured mortgage loans (Préstamos Hipotecarios) to Guatemalan SMEs and individuals who have limited access to traditional banking, with terms up to 10 years, 1.5% monthly interest calculated on outstanding balances, and free property appraisals within Guatemala City. The company operates a proprietary Peer-to-Peer (P2P) lending marketplace that funds these loans by matching borrowers with local retail investors, supported by a digital pre-approval system that delivers decisions within 24 hours.

Product overview

ALAPAR operates as a FINTECH Peer-to-Peer Lending platform offering a unified mortgage lending ecosystem. The core product is their Hipoteca Lending service, which provides mortgage loans secured by real estate property with terms up to 10 years and 1.5% monthly interest. This is supported by a Pre-approval System for streamlined borrower onboarding with 24-hour turnaround, and a Marketplace platform enabling investors to directly fund loans and access investment opportunities. The three components work together as an integrated P2P lending ecosystem where ALAPAR matches borrower capital needs with investor returns through secure mortgage-backed instruments.

Differentiator

Problem solved

Functional benefit

Products and services

• Préstamos Hipotecarios (Mortgage Lending) Secured mortgage loans extended to Guatemalan SMEs and individuals, with the borrower's real estate property (house, office, land, warehouse, or commercial space) pledged as collateral. Use cases include debt consolidation, mortgage transfer, property improvements, working capital, and property purchase. Loan terms from 6 months up to 10 years; interest of 1.5% monthly calculated on outstanding balance; no prepayment penalties; free property appraisal in Guatemala City and surrounding municipalities.
• Marketplace (P2P Investment Platform)

Quantifiable outcome

• Over 2,256 new jobs created through SME financing support
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Addi: Colombian BNPL and consumer credit fintech expanding across Latin America, comparable to ALAPAR as a regional lender to underserved consumers using technology-driven underwriting and digital onboarding.

Direct peers

• Kubo Financiero: Mexican P2P lending platform that historically connected SME borrowers with individual investors, mirroring ALAPAR's marketplace structure of matching local capital with underserved borrowers.
• Afluenta: Argentina-founded P2P consumer lending marketplace operating across Latin America, comparable to ALAPAR as a regional peer-to-peer platform routing investor funds to consumer and SME borrowers.
• Konfío: Mexico's leading fintech lender focused on small and medium enterprises excluded from traditional banking, with similar digital underwriting and rapid-disbursement model as ALAPAR's SME mortgage offering.
• Kueski: Mexico-based online lender offering consumer credit to underbanked borrowers, using a digital-first approval process analogous to ALAPAR's 24-hour pre-approval model. Comparable as a Latin American fintech lending to bank-rejected consumers.
• Creditas: Brazilian secured-lending fintech specializing in home-backed credit, with a model structurally similar to ALAPAR's mortgage-collateralized lending approach in Latin America.

Broad incumbents

• Banrural: Guatemalan bank with broad mortgage and SME lending offerings across the country, functioning as the dominant traditional-banking alternative in the same segments ALAPAR targets.
• Banco Industrial: Guatemala's largest private bank offering mortgages and commercial loans; relevant as the traditional-banking incumbent that ALAPAR's marketplace and advisory model directly competes with for SME and individual mortgage customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/alapargt
• LinkedInlinkedin.com/company/alapar
• Instagraminstagram.com/alapar_gt

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 ALAPAR