Alcance

What Alcance does

Alcance S.A. de Capitalización y Ahorro is a private Argentine savings and capitalization company founded in 1995 in Leones, Córdoba. It operates six product verticals — Autos, Motos, Viviendas, Dinero, Hogar, and Chances — each structured as either a Plan 120 (120 monthly installments) or Plan 330 (330 monthly installments). Subscribers pay fixed or variable monthly contributions; prize adjudications are determined by draws tied to the Quiniela de la Ciudad de Buenos Aires, conducted on the last Saturday of each month, with winners able to withdraw the subscribed asset or its nominal value. The company additionally offers rescue and loan options against accumulated savings from installment 18 (Plan 330) or installment 12 (Plan 120), profit-sharing distributions to subscribers, and a Sancor insurance benefit.

The business model is subscription-recurring: revenue is generated from ongoing monthly installment flows across the subscriber base. Distribution combines a nationwide network of official agencies with direct-to-consumer digital channels including the company's website (alcanceplanes.com.ar), the Mi Plan subscriber portal (miplan.alcanceplanes.com.ar), WhatsApp, an 0800 telephone line, and the Academia Alcance training platform for promoters. According to company disclosures, Alcance administers over $5,000 million in subscriber savings annually, distributes over $1,000 million per year in adjudications, and returned $438 million in profit sharing to subscribers in the most recent reported year. The company is a member of the Cámara de Agentes de Planes de Capitalización since 2019 and is AFIP-compliant. It employs between 11 and 50 people and serves individual Argentine consumers exclusively, with no enterprise or institutional customers identified.

Name

Alcance

Legal name

Alcance S.A. de Capitalización y Ahorro

Website

https://alcanceplanes.com.ar

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Alcance is a private Argentine savings and capitalization company founded in 1995, offering subscription-based monthly savings plans for vehicles, homes, cash, and household goods with lottery-tied prize adjudications, serving individual consumers across Argentina via an agency network and digital channels.

Ownership category

akta.pro rank

Product category

Capitalization and Savings Plans

NAICS

Sales Financing (52222)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Capitalization plans
• Savings plans
• Prize draw savings
• Monthly subscriptions
• Consumer savings

Headquarters

HQ city

Leones

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Savings Plan Contributions: Subscribers pay fixed or variable monthly installments across 330-cuota or 120-cuota plans, generating recurring revenue tied to savings capitalization for autos, motorcycles, homes, household goods, and cash prizes.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Alcance offers capitalization and savings plans where subscribers pay fixed monthly installments over either 330 or 120 months and participate in periodic prize draws. Plans are categorized by target acquisition—Autos, Motos, Viviendas, Dinero, Hogar, and Chances—and deliver either the saved asset or a cash prize to winning subscribers. The offering is sold to individual Argentine consumers through a promoter network and the company's digital platform.

Product overview

Alcance is a savings and capitalization company offering a portfolio of savings plans in Argentina. The core offering consists of multiple plan types (Autos, Motos, Viviendas, Dinero, Hogar, and Chances) available in two plan structures: Plan 330 with 330 installments and Plan 120 with 120 installments. Customers can choose between fixed or variable installment options. The company distributes over $1,000 million annually in prize winnings and administers over $5,000 million in subscriber savings. Additional services include a customer portal (Mi Plan) for account management and a training academy for sales partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Planes Autos
• Planes Motos
• Planes Viviendas
• Planes Dinero
• Planes Hogar
• Planes Chances Chance-style capitalization plans providing additional draw entries, structured as fixed monthly installments with eligibility for prize draws awarding assets or cash to winning subscribers.
• Plan 330 Long-duration installment term of 330 monthly payments applicable across Alcance's plan categories, offering the lowest monthly installment amount and the longest commitment horizon.
• Plan 120 Short-duration installment term of 120 monthly payments applicable across Alcance's plan categories, offering faster completion and higher monthly installment amounts.

Quantifiable outcome

• Over $1,000 million delivered in adjudications per year to subscribers
• +1 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Plan Volkswagen: Volkswagen Argentina's auto savings plan offering 84/100-month capitalization plans with monthly prize draws. Directly comparable to Alcance's Autos product, with OEM-backed credibility.
• Círculo de Inversores: Long-standing Argentine capitalization and savings company offering similar installment + adjudication plans across vehicles, real estate, and consumer goods. Direct peer competing for the same aspirational savings subscriber base as Alcance.
• Plan Chevrolet: General Motors-backed auto capitalization plan operating in Argentina with the same installment + lottery-adjudication structure as Alcance's Autos plan. Competes on brand association, dealer financing integration, and scale.
• Plan Rombo: Renault-affiliated auto savings plan in Argentina offering similar monthly installment capitalization tied to vehicle acquisition. Competes head-to-head with Alcance for aspirational vehicle subscribers via dealer network integration.
• Interplan: Argentine auto savings capitalization plan offering similar installment-based vehicle subscription with monthly adjudication draws. Competes with Alcance for autos/motos subscribers across Argentina.
• Plan Ford (Finandino): Ford Argentina's auto capitalization program with monthly installment structure and lottery-based adjudication. Mirrors Alcance's Autos plan mechanics for vehicle subscription.
• Plan Ovalo: Argentina's leading OEM-backed auto savings/capitalization plan, originally associated with Fiat and now with Stellantis. Directly competes with Alcance's Autos and Motos plans, leveraging dealer integration and manufacturer backing for subscriber acquisition.
• Willay: Argentine capitalization company offering monthly savings plans with prize-draw adjudication across multiple asset categories. Directly comparable offering structure to Alcance's 120/330-cuota plans.

Emerging players

• Ualá: Argentine fintech offering a prepaid card, savings, and personal finance tools to underbanked consumers. Represents the digital-first competitive threat to traditional agency-based capitalization plans like Alcance, particularly among younger subscribers.

Broad incumbents

• Mercado Pago: Argentina's dominant digital wallet and fintech platform offering consumer savings, investment, and credit products. A broader incumbent in Argentine consumer finance that could substitute for or complement traditional capitalization plans via digital-first offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCWfcs3CxADpgyPbSanT6auA
• Facebookfacebook.com/alcanceplanesoficial
• LinkedInlinkedin.com/company/alcance-s-a-de-capitalización-y-ahorro/mycompany/?viewAsMember=true
• Instagraminstagram.com/alcanceplanesoficial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Alcance