What InGe does

InGe is a Chilean financial services firm, formally established as InGe SAGR in 2020, that issues technical guarantees, brokers general insurance, and provides invoice factoring to businesses participating in Chilean public procurement and commercial activity. The company is regulated by Chile's CMF (Comisión para el Mercado Financiero) as both a Sociedad de Garantías Recíprocas (SAGR) and an insurance broker, holding a Categoría A classification and an independent BBB+ rating from Feller Rate Strategic Insights. Its primary customer segments are companies bidding on public tenders (licitaciones públicas) and construction/infrastructure firms requiring specialized coverage and bond instruments.

The company operates a cloud-based digital platform (inge.cl) that delivers its products 100% online through a three-step self-service flow: register, quote, sign and receive. Technical features include a self-service guarantee portal (Portal de Autoatención de Garantías), integrated digital signature, a public tender search engine linked to ChileCompra's marketplace, and a public certificate verification tool. The product portfolio spans five technical guarantee types (seriedad de la oferta, fiel cumplimiento, correcta ejecución de obras, correcto uso de anticipo, canje de retenciones), seven general insurance lines (construction all-risk, civil liability, personal accidents, vehicles, fire, mobile equipment, group health), and factoring with up to 90% advance on invoices. Capital and underwriting capacity is supplied through partnerships with CESCE, FOGAPE, and Renta Nacional.

InGe generates revenue through transaction fees on guarantee issuance, commissions on insurance brokerage, and factoring spread/interest on advanced receivables. Distribution is entirely digital via the website, supported by SEO, content marketing, organic social channels, and an integrated tender search tool that functions as both a utility and a customer acquisition channel. The company is privately held with 11-50 employees, headquartered in Las Condes, Santiago, and reports 4,000+ clients and 18,000+ certificates issued since inception, with no disclosed funding rounds or external equity investors.

Name

InGe

Legal name

InGe SAGR

Website

https://inge.cl

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

InGe is a CMF-regulated Chilean SAGR and insurance broker issuing technical guarantees, brokering general insurance, and providing invoice factoring via a 100% online platform, serving SMBs and construction firms participating in public tenders across Chile.

Ownership category

akta.pro rank

Product category

Financial Services (Guarantees, Insurance Brokerage, and Factoring)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Miscellaneous Intermediation (523910)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351), Finance Services (6199)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• Technical guarantee services
• Insurance brokerage
• Invoice factoring
• Public procurement bonds
• Commercial insurance brokerage

Headquarters

HQ city

Las Condes

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Technical Guarantees (Fianzas y Certificados de Fianza): Issuance of technical guarantee certificates (fiel cumplimiento, seriedad de oferta, correcta ejecución, anticipo, canje de retenciones) for public and private procurement. Revenue is generated through issuance fees and premiums charged for each guarantee certificate.
2. General Insurance Brokerage: Brokerage of general insurance products including construction all-risk, civil liability, vehicle, fire, mobile equipment, personal accident, and collective health insurance. Revenue earned through commissions from insurance carriers.
3. Factoring Services: Invoice factoring service enabling companies to receive immediate liquidity by advancing payment on outstanding receivables. Revenue generated through factoring commissions and interest charged on advanced amounts. Up to 90% advance rate mentioned.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

InGe is a CMF-regulated financial services firm in Chile that issues Technical Guarantees (bid bonds, performance bonds, construction execution guarantees, advance payment guarantees, retention substitution certificates) for public and private procurement, brokers General Insurance (construction all-risk, civil liability, vehicles, fire, mobile equipment, personal accident, group health), and provides Invoice Factoring services enabling immediate liquidity against receivables. All products are delivered through a 100% online self-service platform with digital signature, eliminating the need for notarial visits.

Product overview

InGe is a Chilean financial services company offering three core product lines: (1) Garantías Técnicas (Technical Guarantees) including bid bonds, performance bonds, construction guarantees, advance payment guarantees, and retention substitutions for public procurement; (2) Seguros Generales (General Insurance) covering construction all-risk, civil liability, personal accidents, vehicles, fire, mobile equipment, and group health; and (3) Factoring for invoice financing. The company operates a digital platform with a self-service portal for guarantee management, public tender search, certificate verification, and online quotation tools—all accessible 100% online with digital signatures. Services are primarily targeted at companies participating in Chilean government tenders and public procurement.

Differentiator

Problem solved

Functional benefit

Products and services

• Garantías Técnicas (Technical Guarantees) Technical guarantee instruments (fianza certificates and insurance policies) including bid bonds, performance bonds, construction execution guarantees, advance payment guarantees, and retention substitution guarantees that back public procurement bids and direct contracts, enabling suppliers to participate in government tenders.
• Garantía de Seriedad de la Oferta (Bid Bond) Bid bond guarantee ensuring suppliers present genuine offers in public tenders, preventing frivolous proposals and protecting the contracting entity's interests.
• Garantía de Fiel Cumplimiento de Contrato (Performance Bond) Performance bond guaranteeing contractors fulfill contractual obligations including delivery timelines, quality standards, and technical specifications in public and private contracts.
• Garantía de Correcta Ejecución de Obras (Construction Execution Guarantee) Construction guarantee covering defects, non-compliance, and hidden defects during project execution and final delivery.
• Garantía de Correcto Uso de Anticipo (Advance Payment Guarantee) Advance payment guarantee ensuring contractors use pre-funded resources exclusively for the contracted project and return funds if misused.
• Canje de Retenciones (Retention Substitution) Retention substitution guarantee allowing contractors to recover retained amounts from public entities early, optimizing cash flow in construction and infrastructure projects.
• Seguros Generales (General Insurance Brokerage)

Quantifiable outcome

• 100% online guarantee issuance with digital signature — no notarial visits required
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• CMF (Comisión para el Mercado Financiero)coreOthersCMF is Chile's financial market regulator. InGe operates as a regulated SAGR (Sociedad de Garantía Recíproca) and insurance broker under CMF oversight, ensuring compliance with Chilean financial regulations.
• ChileCompracoreTechnology or IntegrationChileCompra is Chile's public procurement agency. InGe integrates with ChileCompra's marketplace, offering a tender search tool and guarantee products directly linked to public procurement opportunities.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• Grupo Security: Major Chilean financial group from which InGe originated in 2014 as a commercial advisory operation, and a continuing ecosystem participant via capital and corporate finance links. Adjacent to InGe as historical parent, current partner, and a broader Chilean financial services reference point.

Broad incumbents

• Aon Chile: Global insurance brokerage with a Chilean office placing construction, liability, and surety business. Comparable to InGe in brokerage role and in serving Chilean construction and infrastructure clients, though with a much broader portfolio and corporate focus.
• SURA Chile: Large LATAM insurance and financial services group with Chilean operations across P&C, life, and specialty lines. Overlaps with InGe's general insurance brokerage line and Chilean SMB/corporate customer base.
• Marsh Chile: Global insurance and risk advisory broker active in Chile, with strong construction and large-contract surety placement. Comparable to InGe in intermediating carriers and serving Chilean procurement/construction clients, but at enterprise scale.
• Mapfre Chile: Large incumbent insurer operating in Chile with multi-line commercial and surety-adjacent coverage. Comparable to InGe via its insurance brokerage and guarantee-adjacent capacity, though at much larger scale and as a carrier rather than a digital-first broker.
• Zurich Chile: Global insurer with Chilean operations focused on commercial and specialty lines including construction and liability. Comparable to InGe via the general insurance products it distributes and the construction/infrastructure customer overlap.
• BCI Seguros: Bank-affiliated Chilean insurer under Banco BCI, distributing policies through the bank's SMB channels. Comparable to InGe's insurance brokerage in product set and target customer, with materially larger distribution and balance sheet.
• HDI Seguros Chile: Chilean general insurer offering commercial, vehicle, and specialty lines including construction-related coverage. Comparable to InGe in the insurance lines carried through Renta Nacional and similar carrier partnerships.

Direct peers

• Tanner Servicios Financieros: Chilean non-bank financial services company with a factoring product line alongside leasing and other working-capital solutions. Comparable to InGe's factoring offering in target customer (Chilean SMBs needing liquidity) and product mechanics.
• Garantiza: Chilean SGR-style surety and guarantee provider serving SMEs and public procurement participants. Directly comparable to InGe's Garantías Técnicas line in product, customer segment, and distribution into Chilean tenders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@InGeChile
• Facebookfacebook.com/Inge.sagr
• LinkedInlinkedin.com/company/inge-servicios-financieros
• Instagraminstagram.com/inge_sagr

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 InGe