Financiera Proempresa

What Financiera Proempresa does

Financiera Proempresa (legal name Financiera ProEmpresa S.A.) is a privately held Peruvian non-bank financial company founded in 1997 and headquartered in San Borja, Lima. It is regulated by the Superintendencia de Banca, Seguros y AFP (SBS) and the Superintendencia del Mercado de Valores (SMV), with deposit insurance coverage from the Fondo de Seguro de Depósitos and external risk ratings from Moody's Local and Apoyo & Asociados. The company operates two main business segments — Personal Banking (Personas) and Business Banking (Negocios) — through a national network of physical branches (agencias) complemented by alternative payment channels including YAPE mobile payments and the KASNET agent network.

Its core product set spans consumer and MSME credit (Consumo Directo, Pro Rapidito, payroll deduction loans, Pro Construye, Pro Fácil, Pro Capital, Pro Activo Fijo, Pro Local, Pro Agrícola, Pro Pecuario, and DPF-collateralized lending), savings and deposit products (Ahorro Simple/Programado/Infantil/Mujer/Sueldo, CTS, and fixed-term deposits up to 6.00% TREA), insurance distribution (SOAT, Pro Vida, Desgravamen — the latter underwritten by Mapfre Perú since August 2025), and ancillary services (currency exchange, international remittances, collection services). There are no disclosed proprietary technology platforms, AI/ML capabilities, or APIs beyond standard third-party payment integrations.

The business model is primarily spread-based: Financiera Proempresa earns interest income on its credit portfolio, pays interest on its deposit base, and generates fee and commission income from insurance distribution, remittances, and currency exchange. Go-to-market is direct-to-consumer via branches and phone banking, with a clear horizontal segmentation strategy targeting individuals, salaried workers (Planilla), and micro/small businesses across commerce, services, agriculture, and livestock. Customer segments are explicitly diversified and granular, with no enterprise anchor customers disclosed.

Name

Financiera Proempresa

Legal name

Financiera ProEmpresa S.A.

Website

https://proempresa.com.pe

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

251–500 employees

Short description

Financiera Proempresa is a privately held Peruvian non-bank financial company offering consumer and MSME credit, savings, fixed-term deposits, insurance, and remittance services through a national branch network and YAPE/KASNET digital channels. Founded in 1997 and regulated by the SBS, it serves individuals and micro/small businesses across Peru.

Ownership category

akta.pro rank

Product category

Microfinance & Consumer Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Finance and Insurance (52), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

Keywords

• Consumer credit
• Microfinance lending
• Savings accounts
• Fixed-term deposits
• Financial inclusion

Headquarters

HQ city

San Borja

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: The primary revenue stream comes from interest earned on various credit products including Consumo Directo, Pro Rapidito, Pro Construye, Pro Fácil, Pro Capital, Pro Activo Fijo, Pro Local, Pro Agrícola, Pro Pecuario, and payroll deduction loans.
2. Interest on Deposits: Revenue generated from the spread between interest paid to depositors on savings accounts (Ahorro Simple, Ahorro Programado, Ahorro Mujer, Ahorro Infantil, Ahorro Sueldo, CTS) and higher rates charged on loans.
3. Insurance Products: Commission revenue from sale of insurance products including SOAT vehicular insurance, Pro Vida life insurance, and Desgravamen (credit life insurance) backed by Mapfre Perú.
4. Service Fees: Fees from services including currency exchange (tipo de cambio), international remittances, and collection services (recaudación).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Financiera Proempresa is a Peruvian non-bank financial company that provides consumer credit, microcredit, savings accounts, fixed-term deposits, insurance products (SOAT, life insurance, credit life insurance), currency exchange, international remittances, and collection services. It operates two business segments: Personas (individuals) and Negocios (MSMEs), serving through a national branch network and alternative digital payment channels.

Product overview

Financiera ProEmpresa is a Peruvian financial institution (Empresa Bancaria) offering a comprehensive suite of financial products and services. The company operates two main business segments: Personal Banking (Personas) and Business Banking (Negocios). Personal banking includes consumer credits (Consumo Directo, Pro Rapidito, Créditos con Descuento por Planilla), housing credit (Pro Construye), multiple savings products (Ahorro Simple, Ahorro Programado, Ahorro Infantil, Ahorro Mujer, Ahorro Sueldo, CTS), fixed-term deposits (DPF Interés Periódico, DPF al Vencimiento), insurance (SOAT, Pro Vida, Desgravamen), and services (Tipo de Cambio, Transferencias, Recaudación). Business banking offers specialized credits including Pro Fácil, Pro Capital, Pro Local, Pro Activo Fijo, Pro Agrícola, Pro Pecuario, and Crédito con Garantía Depósito a Plazo Fijo. The institution serves micro, small, and medium enterprises (MSMEs) and individuals throughout Peru, with physical agency network and alternative digital payment channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumo Directo

Quantifiable outcome

• 2% effective annual interest rate on salary accounts, ranking among top payers in Peru according to SBS data
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

One partnership is on record.

• Mapfre PerúcoreOthers · 1 August 2025Mapfre Perú provides insurance backing for Proempresa's Desgravamen (credit life insurance) product. The enhanced Desgravamen insurance policy became available from August 1, 2025, providing protection for borrowers in case of death or disability, with claims paid to the financial institution to cover outstanding loan balances.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Yape (BCP): Peru's leading mobile wallet, owned by BCP, rapidly expanding into payments and adjacent financial services. Increasingly competes with Proempresa in deposit-like and payment products while also serving as a distribution partner for loan repayments.

Direct peers

• Caja Huancayo: Peruvian microfinance-focused financiera/caja offering consumer credit, MSME lending, deposits, and savings across a national branch network. Directly comparable to Proempresa on product suite, target segments (underserved consumers and microbusinesses), and is one of the top salary account rate payers alongside Proempresa per SBS data.
• Mibanco (Peru): Peruvian microfinance bank (part of BCP/Grupo Credicorp) specializing in MSME and consumer credit. Direct competitor in the microcredit and small business lending segment that is Proempresa's core focus.
• Caja Maynas: Peruvian savings institution offering microcredit, consumer loans, deposits, and insurance to underserved segments. Closely comparable to Proempresa as a CMAC competing for the same financial-inclusion customer base.
• Compartamos Financiera: Peruvian microfinance financiera serving microentrepreneurs and low-income consumers with credit, savings, and insurance products. Directly comparable in business model, customer segment, and product specialization.
• Financiera Efectiva: Peruvian non-bank financial company offering consumer credit, MSME loans, and savings products. Comparable as a direct competitor in the peruana financiera space serving similar mass-market and microbusiness segments.
• Caja Tacna: Peruvian CMAC providing credits, savings, and deposit products with national reach through branch and agent networks. Directly comparable on regulatory category, product mix, and ranking among top salary account rate payers per SBS.

Broad incumbents

• Banco de Crédito del Perú (BCP): Peru's largest commercial bank offering the full suite of credit, deposit, insurance, and payment products including microcredit via Mibanco. Competes with Proempresa across segments but at vastly greater scale and with broader product breadth.
• Banco Pichincha Perú: Peruvian commercial bank with strong MSME and consumer banking focus. Comparable as a larger incumbent competing in the same mass-market credit and deposit segments.
• Interbank: Major Peruvian commercial bank offering consumer credit, MSME banking, deposits, and digital products. Broad incumbent competitor that overlaps with Proempresa's mass-market and payroll customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC1SOtcPlSqIHF_agYNmA0PA
• Facebookfacebook.com/FinancieraProempresa
• LinkedInlinkedin.com/company/financiera-proempresa/mycompany
• Instagraminstagram.com/proempresafinanciera

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Financiera Proempresa