Crediflores Cooperativa de Ahorro y Crédito

What Crediflores Cooperativa de Ahorro y Crédito does

Crediflores Cooperativa de Ahorro y Crédito is a Colombian savings and credit cooperative founded on June 11, 1977 in Funza by 63 flower industry workers from the Sabana de Bogotá region, now operating as a member-owned entity supervised by the Superintendencia de Economía Solidaria under Personería Jurídica No. 001 of 1978. The cooperative provides a full suite of financial services including savings products (Traditional, Multipurpose, Student, Platinum, and Housing Programmed accounts plus CDAT term deposits starting at 100,000 COP), consumer and commercial credit (TAVA revolving credit, educational, free-investment, debt substitution, CrediCDAT, CrediAportes up to 95% of contributions, working capital, CREDIAVANCE, and FINAGRO agricultural credit), and a TAVA affinity debit card with Red Aval and Servibanca ATM access plus Visa international reach.

Its technology stack is built around the Red Coopcentral Multiportal transactional platform, the Prestadigital online credit engine (loans up to 6,000,000 COP with minute-level decisioning), Vinculación Digital for remote member onboarding, PSE payment gateway integration, Transfiya interbank transfers, and correspondent banking with Banco de Bogotá. Risk management is governed by the SARO/SARC/SARLAFT/SARM/SARL regulatory frameworks aligned with Supersolidaria requirements.

Distribution combines 14 physical agencies and 7 cash extensions across Bogotá, Cundinamarca, and Boyacá with digital channels serving 50,000+ associated members across workers, small entrepreneurs, students/families, and farmers. The cooperative monetizes through net interest margin on savings and credit, transaction fees on payment and collection services, and operates social benefit programs (solidarity assistance, educational subsidies, PESEM, environmental entrepreneurship fund) consistent with the cooperative's mission.

Name

Crediflores Cooperativa de Ahorro y Crédito

Legal name

Crediflores Cooperativa de Ahorro y Crédito

Website

https://crediflores.com.co

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

101–250 employees

Short description

Crediflores is a Colombian savings and credit cooperative founded in 1977, serving 50,000+ members across Bogotá, Cundinamarca, and Boyacá through 14 agencies, digital channels, and social benefit programs targeted at workers, small entrepreneurs, students, and farmers.

Ownership category

akta.pro rank

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices21 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Savings Deposits: Multiple savings account modalities including traditional savings, multipurpose savings, student savings, platinum savings, and housing savings programs. CDAT (Certificate of Term Deposit) from $100,000 with terms from 30 to 540 days.
2. Credit Products: Consumer credit including TAVA credit card, educational loans, free investment credit, liability substitution (portfolio purchase), CrediCDAT (credit against CDAT savings), credit against contributions (up to 95% of contributions), commercial credit for capital work, CrediAvance for entrepreneurs, and FINAGRO agricultural credit. Digital credit up to 6,000,000 COP.
3. Collection and Payment Services: Collection services through correspondent banking, PSE payments for services, corporate collection accounts at Banco de Bogotá, and business collection card in partnership with Banco de Bogotá.
4. Social Benefits and Subsidies: Social benefits including solidarity assistance for health, housing and domestic calamity, educational subsidies for basic and secondary education, PESEM entrepreneurial education program, and environmental entrepreneurship fund.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

Crediflores is a savings and credit cooperative (Cooperativa de Ahorro y Crédito) offering a portfolio of financial products to its associated members, including savings accounts (Traditional, Multipurpose, Student, Platinum, and Housing), CDAT term deposits, the TAVA dual-function debit/revolving credit card, and a range of consumer and commercial credit lines (educational, free investment, debt substitution, CrediCDAT, CrediAportes, working capital, CrediAvance, and FINAGRO agricultural credit). Distribution combines 14 physical agencies and 7 cash extensions across Bogotá, Cundinamarca, and Boyacá with digital channels including the Multiportal Personas app, Prestadigital online credit platform, PSE payment gateway, and Red Coopcentral integration. Members also receive social benefits such as solidarity assistance, educational subsidies, and the PESEM entrepreneurial program.

Product overview

Crediflores is a savings and credit cooperative offering a comprehensive financial services portfolio through 14 agencies and 7 cash extensions across Bogotá, Cundinamarca, and Boyacá. The core offering centers on savings products (Traditional, Multipurpose, Student, Platinum, and Housing Programmed accounts) and CDAT term deposits, alongside the TAVA dual-function debit/revolving credit card providing access to Red AVAL and Servibanca ATM networks. Credit products span consumer lending (TAVA credit, Educational, Free Investment, Debt Substitution, CrediCDAT, CrediAportes, Crediflores credit card) and commercial lending (Working Capital, CREDIAVANCE, FINAGRO agricultural credit). Digital services include Prestadigital for online credit up to $6 million, Multiportal Personas app for payments and Transfiya transfers, Vinculación Digital for remote onboarding, and PSE payment gateway. Social benefits encompass solidarity assistance, educational subsidies, PESEM, and the Entrepreneurship and Environment Fund. The cooperative is supervised by Supersolidaria and maintains a Risk Management System (SARO, SARC, SARLAFT, SARM, SARL) aligned with SES regulations.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 50,000+ associated members served over 48 years
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

17 partnerships are on record, tiered core and minor.

• Universidad UNADcoreGTM or Marketing PartnerEducational partnership allowing Crediflores associated members to access university programs with potential benefits. The partnership includes certificate request services through dedicated links.
• Universidad AreandinacoreGTM or Marketing PartnerEducational partnership with regional university for member access to higher education programs and potential educational benefits.
• Institución FundecminorGTM or Marketing PartnerEducational institution partnership for member access to training and educational programs.
• UniagrariaminorGTM or Marketing PartnerAgricultural university partnership providing educational opportunities for members, particularly relevant for the agricultural sector focus.
• BenglishminorGTM or Marketing PartnerLanguage school partnership offering English language education programs for associated members.
• Business EnglishminorGTM or Marketing PartnerEnglish language education partnership for professional development of members.
• Queen's English CollegeminorGTM or Marketing PartnerLanguage education partnership for English language training of members.
• IDIMEminorOthersDiagnostic imaging services partnership providing healthcare access benefits for members.
• Aseguradora SolidariacoreStrategic or Co-development PartnerInsurance partner providing insurance products and coverage options for associated members through cooperative network.
• Serfuncoop - Los OlivosminorOthersHealthcare services partnership providing member access to health services and benefits through Los Olivos network.
• Banco de BogotácoreChannel Partner/ Reseller/ DistributorCorrespondent banking partnership providing collection services. The enterprise collection card is a joint service with Banco de Bogotá. Collection account #106719867 enabled for credit payments. Payment reflected next business day.
• Red CoopcentralcoreTechnology or IntegrationFinancial services integration through Red Coopcentral cooperative network. Provides multiportal platform infrastructure, CEUS information system, and enterprise portal for cooperative financial services interconnection.
• Red AvalcoreTechnology or IntegrationATM network partnership providing TAVA cardholders access to over 3,700 ATMs across Colombia through Red Aval network.
• ServibancacoreTechnology or IntegrationATM network partnership for TAVA debit card access. Provides nationwide ATM access for card withdrawals and transactions.
• Grupo ÉxitominorChannel Partner/ Reseller/ DistributorCash withdrawal network partnership providing access to 366+ cash boxes at Grupo Éxito locations for TAVA cardholders.
• ICETEXminorGTM or Marketing PartnerEducational financing partnership referenced in PESEM program for higher education financing options for members.
• FINAGROcoreChannel Partner/ Reseller/ DistributorAgricultural credit line partnership providing specialized credit products for agricultural sector members. Features flexible conditions and competitive rates for farming activities.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Coomeva Cooperativa: Large Colombian multi-purpose cooperative offering financial services, healthcare, and social benefits to members under similar Superintendencia de Economía Solidaria supervision. Closest comparable by member-owned structure, social-benefit differentiation, and broad product portfolio including savings, credit, and insurance.
• Banco Caja Social: Colombian commercial bank originally founded as a Caja de Compensación Familiar serving worker segments. Comparable by mission to provide affordable financial services to workers and lower-income populations, similar geographic concentration in Bogotá, and consumer credit/savings product overlap with Crediflores.
• Cotrafa Cooperativa: Colombian credit cooperative with savings, consumer lending, and agricultural credit serving members in regional markets. Comparable by cooperative member-owned structure, diversified credit portfolio (consumer + agricultural), physical branch footprint, and social-benefit programming aligned with cooperative principles.
• Confiar Cooperativa Financiera: Colombian Cooperativa Financiera offering savings accounts, credit products, and social programs to associated members nationwide. Comparable by cooperative ownership model, member services orientation, multi-channel distribution (physical + digital), and regulated depository credit intermediation activities.
• Cooperativa John F. Kennedy: Colombian Cooperativa de Ahorro y Crédito serving members with savings products, consumer credit, and branch network across multiple regions. Directly comparable by cooperative legal form, member-owned structure, social-benefit programs, and Supersolidaria-regulated deposit-taking and lending activities.

Emerging players

• Nequi: Colombian digital wallet and mobile financial platform operated by Bancolombia, offering savings, transfers, payments, and small credit lines to millions of users. Comparable by serving worker and lower-income segments with digital-first financial inclusion; massive scale, brand recognition, and Bancolombia backing make it a key emerging competitor for Crediflores' target demographic.
• Nubank Colombia: Digital-only bank in Colombia offering credit cards, personal loans, and savings accounts via mobile app with no membership or geographic restrictions. Comparable by targeting underserved and underbanked consumers with affordable digital credit products; emerging scale, technology focus, and zero-friction onboarding pose increasing competitive pressure on Crediflores' value proposition.

Broad incumbents

• Davivienda: Major Colombian commercial bank with national retail and consumer finance presence, including consumer lending and digital channels (Daviplata). Comparable by consumer savings, credit, and mortgage offerings targeting similar income segments; broader geographic reach and consolidated bank status create scale advantages over Crediflores.
• Bancolombia: Largest Colombian commercial bank offering full retail, commercial, and digital banking services nationwide through extensive branch network plus Nequi digital wallet. Comparable by retail deposit-taking and consumer credit offering; broader geographic reach, larger product breadth, and significantly greater resources establish it as the dominant incumbent.
• Banco de Bogotá: Major Colombian commercial bank offering retail and corporate banking with strong Bogotá and Cundinamarca presence. Comparable by geographic overlap in core markets and correspondent banking partnership with Crediflores; larger scale, full commercial banking suite, and broader deposit/credit capabilities position it as a key incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Crediflores
• YouTubeyoutube.com/channel/UC2R2fCyCJy-tgL-7mJExdVQ
• Facebookfacebook.com/Crediflores
• LinkedInlinkedin.com/company/crediflores-cooperativa-de-ahorro-y-cr%C3%A9dito/?originalSubdomain=co
• Instagraminstagram.com/crediflores_coop
• TikToktiktok.com/@crediflores_coop?is_from_webapp=1&sender_device=pc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 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 Crediflores Cooperativa de Ahorro y Crédito