What Factureate does

Factureate is a Peru-founded fintech operating a digital invoice negotiation and financing marketplace across Peru, the Dominican Republic, and Colombia. The platform enables small and medium-sized enterprises to liquidate accounts receivable without traditional credit checks or collateral, by listing invoices that individual and corporate investors purchase through an automated, stock-exchange-style auction in which the lowest-cost financing offer wins. The underlying technology stack combines an auction-based pricing engine, biometric digital contracts, a multi-component (macroeconomic, market, commercial, financial) risk analysis model, and direct integrations with local regulatory and tax infrastructure: CAVALI under SMV supervision in Peru, RADIAN of the Colombian DIAN, and a fideicomiso (trust) structure with a bank partner in the Dominican Republic.

The company monetizes through a transaction-based take rate, charging a commission of 1-3% of each invoice's value (with variations tied to amount, maturity, risk, and seller history), supplemented in Peru by a 5 soles per-invoice auction right fee, and earns a spread on the difference between the ~85% advance paid to sellers and the 100% face value collected from payers at maturity. Go-to-market is exclusively product-led: free digital self-registration for both SME sellers and investors via localized country portals, with no sales-led motion. Compliance coverage spans SARLAFT and liquidity risk frameworks in Colombia, PLAFT and personal data protection in the Dominican Republic, and SMV securities-market participation in Peru.

Founded in 2019 in Lima with a headcount of 1-10 employees, Factureate remains privately held with no disclosed institutional investors, funding rounds, revenue figures, or named customer logos. Growth to date has been driven by sequential geographic expansion (Dominican Republic in 2022, Colombia in 2023) and progressive regulatory integration rather than by capital deployment.

Name

Factureate

Legal name

Factureate

Website

https://factureate.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Factureate is a Latin American fintech operating a digital invoice financing marketplace across Peru, Colombia, and the Dominican Republic. It connects SME invoice sellers with investors through an automated auction, charging 1-3% commissions per transaction without requiring credit checks or collateral.

Ownership category

akta.pro rank

Product category

Invoice Factoring & Receivables Financing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Invoice Trading / Receivables Marketplace (P2P) (FSAKAHAH)

akta.pro secondary industry

Invoice Factoring & Receivables Finance Brokerage (FSAEAEAO)

Keywords

• Invoice financing
• Digital factoring
• Accounts receivable platform
• SME working capital
• Invoice marketplace

Headquarters

HQ city

Miraflores

HQ country

Peru

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Invoice Transaction Commission: Factureate charges a commission on each invoice transaction. The commission typically ranges between 1% and 3% of the invoice value, depending on factors such as invoice amount, maturity date, operation risk, and the company's history on the platform.
2. Advance Rate Difference: Factureate provides approximately 85% of the invoice amount upfront to the SME. The remaining difference (100% minus the advance percentage minus financing costs) is received when the customer pays the invoice, creating a spread opportunity.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Factureate operates a 100% digital invoice negotiation platform that connects SME invoice sellers with investors through an automated auction system. SMEs register accounts receivable and receive an advance of approximately 85-90% of the invoice value within days, while investors bid on invoices to earn short-term returns. The platform integrates with country-specific regulatory frameworks (CAVALI/SMV in Peru, RADIAN/DIAN in Colombia, fideicomiso in Dominican Republic) and uses biometric contracts and multi-component risk analysis to execute and secure transactions.

Product overview

Factureate is a digital invoice negotiation platform operating in Peru, Colombia, and Dominican Republic. The core Factureate Platform connects SME invoice sellers with investors through an automated auction system. The platform consists of three main modules: Financiamiento (financing for businesses selling invoices), Registro Empresas (company registration), and Registro Inversionistas (investor registration). Businesses can register invoices and receive up to 85-90% advance payment within days, while investors bid on invoices through a stock-exchange-style auction to earn competitive returns.

Differentiator

Problem solved

Functional benefit

Products and services

• Factureate Platform Core digital invoice negotiation platform that automates the auction, contracting, and settlement of invoice trades between SME sellers and investors. It is used by SMEs to obtain working capital and by investors to deploy short-term capital at competitive returns.
• Financiamiento (Invoice Financing) Invoice financing service for SMEs that allows them to register and sell their accounts receivable on the platform to receive immediate liquidity. Investors bid in an auction for the right to collect the full invoice value at maturity.
• Registro Empresas (Business Registration) Self-serve onboarding module for SMEs seeking financing through invoice sales. Companies submit business details, economic activity, company size, and supporting documentation to access the platform.
• Registro Inversionistas (Investor Registration) Self-serve onboarding module for individuals and corporate investors to bid on invoices through the platform's auction mechanism and earn returns based on negotiated rates.

Quantifiable outcome

• Financing in 24-48 hours for Colombian operations
• +2 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

Integration4 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• CAVALIcoreTechnology or IntegrationCAVALI (Central de Deposito de Valores del Peru) - Peru's central securities depository. Factureate registers invoices digitally with CAVALI for regulatory compliance and investor protection in Peruvian operations. ICLV (Institución de Compensación y Liquidación de Valores) receives payments and distributes to participants.
• RADIAN (DIAN)coreTechnology or IntegrationRADIAN is the Colombian DIAN platform for factoring operations. Factureate integrates with RADIAN for automated factoring operations and regulatory compliance in Colombia. Operations are 100% automated through this integration.
• Fideicomiso (Trust)coreTechnology or IntegrationIn Dominican Republic, operations are conducted through a fideicomiso (trust) structure for maximum security and regulatory compliance, providing guarantees for investors and sellers.
• Bank PartnercoreTechnology or IntegrationEcosystem in Dominican Republic includes a bank partner for fund transfers and transaction processing within the fideicomiso structure.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• BlueVine: US-based online invoice factoring platform providing working capital to SMBs through receivables financing. Comparable to Factureate's core product of advancing funds against outstanding invoices via a digital platform.
• MarketInvoice: UK-based invoice trading marketplace that connects SMEs seeking working capital with investors purchasing invoices. Operates a similar two-sided platform model with marketplace pricing dynamics, making it the closest direct global peer to Factureate's invoice trading mechanism.
• Fundbox: US fintech providing SMB working capital advances by analyzing outstanding invoices and receivables. Shares Factureate's focus on digitizing invoice-based financing and serving underserved small businesses.
• Taulia: US-based working capital and invoice financing platform serving SMBs and large enterprises. Comparable to Factureate's receivables financing model, though Taulia operates at larger enterprise scale.
• Resolve: US-based B2B payments and invoice automation platform with embedded financing features. Comparable to Factureate in its digital-first approach to receivables management and SMB financing.

Broad incumbents

• Mercado Pago: Latin America's largest digital payments platform with growing SMB lending and merchant credit products. Broad incumbent across Latam with significant scale and capital resources, representing both a competitor and a potential partner for invoice financing distribution.
• Konfío: Mexico's largest online SMB lending platform, providing working capital and credit to underserved small businesses. Broader incumbent in the Latam SMB fintech space, sharing Factureate's target customer segment and financial inclusion thesis.

Emerging players

• Clara: Mexico-based corporate card and spend management platform for SMBs with embedded credit. Adjacent Latam fintech serving similar SMB customers with working capital solutions, though focused on card-based rather than invoice-based financing.
• Tribal: Mexico- and Brazil-based SMB credit and corporate card platform targeting underserved businesses in Latam. Shares Factureate's financial inclusion mission and SMB focus, though operates via revolving credit rather than invoice trading.

Regional players

• Cora: Brazil-based digital banking platform for SMBs offering accounts, payments, and credit products. Regional Latam fintech serving similar SMB customer needs with working capital solutions, though operating primarily in Brazil rather than Factureate's Hispanic Americas markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/factureate

Compliance7 records

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 Factureate