Grupo ACP

What Grupo ACP does

Grupo ACP is a non-profit civil association (asociación civil sin fines de lucro) founded in 1969 in Peru that functions as a strategic holding and investment vehicle for a diversified portfolio of financial services businesses across five Latin American countries: Peru, Guatemala, El Salvador, Ecuador, and Bolivia. Its operating subsidiaries span consumer and commercial lending (Finzul for microcredit, Digital Factoring for SME invoice discounting), insurance (Protecta), collections management sold both internally and to third parties (Finanty), and complementary social initiatives covering financial-health education and K-12 schooling (alDía, Fundación Pachacutec). The group holds stakes in licensed banks and financial institutions including Banco Integral (El Salvador), BancoSol (Bolivia), Apoyo Integral Guatemala, and Mutualista Pichincha (Ecuador), giving it regulatory footholds across multiple jurisdictions.

The group serves an aggregate base of more than 1.5 million clients with a consolidated credit portfolio exceeding S/800M, and channels 100% of profits into social programs, including educational initiatives reaching over 14,365 students. Its business model combines interest income from the credit book, insurance underwriting premiums through Protecta, fee income from Finanty's third-party collections platform, and factoring spreads from Digital Factoring — a deliberately multi-product revenue mix anchored in underbanked and microfinance segments. Finantz's collection operations and NPL portfolio pricing are supported by an AI-enabled omnichannel contact center and machine-learning-based valuation models applied across the credit portfolio.

Grupo ACP has been actively recycling capital into its subsidiaries, including a S/54.25M capital strengthening of Protecta, a S/30M corporate bond issuance by Finanty, and ongoing scaling of Finzul microcredit past 12,700 cumulative loans. The group's competitive position rests on multi-jurisdiction regulatory licenses, an integrated cross-sell ecosystem across financial services and education, and a growing data footprint across lending, insurance, and collections that supports risk and pricing functions.

Name

Grupo ACP

Legal name

Grupo ACP Inversiones y Desarrollo

Website

https://grupoacp.com.pe

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

11–50 employees

Short description

Grupo ACP is a non-profit Peruvian holding company founded in 1969 that owns and operates a diversified portfolio of licensed financial services businesses — including microcredit, insurance, collections, and factoring — across five Latin American countries, serving 1.5M+ clients and reinvesting 100% of profits into social programs.

Ownership category

akta.pro rank

Product category

Microfinance Services

NAICS

Offices of Bank Holding Companies (551111), Direct Life, Health, and Medical Insurance Carriers (52411), Finance and Insurance (52)

SIC

Miscellaneous Business Credit Institution (6159), Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Membership Organizations (8600)

akta.pro primary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

akta.pro secondary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• Microfinance services
• Microcredit lending
• Financial inclusion
• Inclusive insurance
• Factoring services

Headquarters

HQ city

San Isidro

HQ country

Peru

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Microfinance Operations: Grupo ACP generates returns through its investment portfolio of financial services companies including banks, microfinance institutions, insurance companies, and collection agencies across Peru, Guatemala, El Salvador, Ecuador, and Bolivia. As a nonprofit entity, 100% of profits are reinvested into subsidiaries and social programs.
2. Microcredit Lending (Finzul): Finzul provides microcredits to entrepreneurs previously excluded from the financial system, offering rebancarización (re-entry) financial services with digital-first approach for loan disbursement and management.
3. Factoring Services (Digital Factoring): Factoring and confirming services enabling MYPEs to obtain immediate liquidity from pending invoices (up to 120 days), with Digi Cash service offering advance payment in under 48 hours.
4. Collection Management (Finanty): Purchase and sale of overdue credit portfolios and nationwide collection management services in Peru, with over 18 years of market experience.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Grupo ACP is a non-profit investment holding company that provides microfinance, microcredit, inclusive insurance, factoring/confirming, financial health advisory, and debt collection services across five Latin American countries (Peru, Guatemala, El Salvador, Ecuador, Bolivia). It targets underserved micro and small entrepreneurs (MYPEs) excluded from the traditional banking system and supports them through wholly and majority-owned subsidiaries including Finzul, alDía, Finanty, Protecta, Banco Integral, Apoyo Integral Guatemala, BancoSol, and Mutualista Pichincha.

Product overview

Grupo ACP is a financial services holding company offering a multi-product portfolio focused on financial inclusion across Latin America. The core offerings include Finzul (rebankarization), Digital Factoring (working capital), alDía (financial health/debt management), and Finanty (AI-powered collection management). The company operates through subsidiaries including banks in El Salvador (Banco Integral), Bolivia (BancoSol), microfinance institutions in Guatemala, and insurance company Protecta. The products serve underserved populations including microentrepreneurs and provide services from credit access to debt restructuring and collection management.

Differentiator

Problem solved

Functional benefit

Brands

• Finzul: Rebancarización financial service for microentrepreneurs who were blacklisted in the Financial System
• Finanty
• Protecta Security
• Conecta CMS
• alDía
• Digital Factoring
• Fundación Pachacutec

Products and services

• Finzul 100% digital microcredit platform providing rebancarización (re-banking) financial services for microentrepreneurs who have been blacklisted from the traditional banking system but demonstrate repayment capacity.
• Digital Factoring (Factoring and Confirming) Factoring and confirming services enabling micro and small enterprises (MYPEs) and large companies to obtain immediate liquidity from pending invoices, with a Digi Cash option delivering advance payment in under 48 hours.
• alDía Financial health advisory service offering debt refinancing, the Pool program for debt negotiation, and Mi Junta for savings-based debt resolution to help individuals resolve debt problems and re-enter the financial system.
• Finanty (formerly Conecta CMS) Purchase and sale of overdue credit portfolios and nationwide debt collection management services in Peru with more than 18 years of market experience, using AI and machine learning for NPL portfolio valuation and collection strategy optimization.
• Protecta Security Insurance Inclusive insurance company providing life insurance, annuities, microinsurance, SOAT (mandatory vehicle insurance), and SME insurance products to underserved populations in Peru.
• Banco Integral Microfinance bank serving micro and small enterprises in El Salvador, with Grupo ACP initiating its transformation into a regulated bank in 2024.
• Apoyo Integral Guatemala Microfinance institution in Guatemala providing savings and credit services to micro and small entrepreneurs in urban and rural communities.
• BancoSol (Bolivia) Leading microfinance bank in Bolivia providing group and individual credits for microenterprises.
• Mutualista Pichincha

Quantifiable outcome

• 14,365+ students impacted through educational programs
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature2 records

Partnerships

One partnership is on record.

• Fundación PachacuteccoreStrategic or Co-development PartnerGrupo ACP has supported Fundación Pachacutec since 2004, sponsoring the Administration and Finance career program. Over 14,365 students have been impacted, with 9 out of 10 graduates finding employment. During COVID-19, Grupo ACP donated oxygen plants and food/hygiene kits to the foundation and surrounding communities.

Scale indicators10 records

Recent moves13 records

Expansion highlights5 records

Emerging players

• Addi: Colombian BNPL and consumer credit fintech expanding across LatAm. Comparable to Finzul in digitally underwriting borrowers underserved by traditional banks, with stronger venture funding and faster product iteration.
• Konfío: Mexico-based digital lending platform for SMEs and micro-businesses using alternative data underwriting. Represents the fintech competition Grupo ACP faces in serving MYPEs, with overlapping customer profile but digital-first delivery and venture-backed economics.

Direct peers

• Mi Banco: Peruvian microenterprise bank originally founded by Grupo ACP in 1998 and sold to Credicorp in 2014. Continues to operate as the largest MYPE-focused bank in Peru; directly comparable in product set, customer base, and Peruvian market positioning.
• Crezcamos: Colombian microfinance institution providing credit and complementary services to micro-entrepreneurs. Operates in a similar niche to Grupo ACP's microcredit offerings (Finzul, BancoSol) with overlapping financial-inclusion thesis.
• Banco Compartamos: Mexico's largest microfinance bank, serving micro-entrepreneurs through group lending and individual credit. Directly comparable to Grupo ACP's microfinance subsidiaries in product, customer base (micro-entrepreneurs), and financial inclusion mission across Latin America.
• Bancamía: Colombian microfinance bank (subsidiary of Fundación Microfinanzas BBVA) focused on micro and small entrepreneurs. Comparable to Banco Integral and BancoSol in serving underserved MYPEs via credit, savings, and financial education across LatAm.

Others

• Pro Mujer: LatAm-focused non-profit providing microfinance, health, and education services to low-income women in Mexico, Nicaragua, Bolivia, Peru, and other countries. Directly comparable to Grupo ACP's financial inclusion mission and micro-entrepreneur focus, with overlapping geographic markets.
• Acumen LatAm Capital Partners: Impact investment fund backing financial inclusion and microfinance ventures across LatAm. Comparable to Grupo ACP as a mission-aligned capital provider; represents a potential partner, co-investor, or competitor for impact-aligned funding in the same space.

Broad incumbents

• BBVA Microfinance Foundation: Global banking group operating a microfinance foundation across multiple LatAm countries. Operates a comparable multi-country MFI holding structure (parent of Bancamía, Caja de Ahorros) with similar financial-inclusion mission but significantly larger balance sheet.

Regional players

• Génesis Empresarial: Guatemalan microfinance institution serving micro and small entrepreneurs. Directly comparable to Apoyo Integral Guatemala (a Grupo ACP subsidiary) in geography, product mix, and target customer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/grupoacpperu
• Instagraminstagram.com/grupoacpperu
• LinkedInlinkedin.com/company/grupo-acp

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries7 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 Grupo ACP