What Creizer does

Creizer is a Mexico-based fintech founded in 2021 by Emiliano Musalem that provides revenue-based financing to small and medium-sized merchants selling through online marketplaces. The company targets SMBs on Mercado Libre, Amazon, Shopify, Linio, and Liverpool, with pre-approval criteria of at least $100,000 MXN in monthly sales and a minimum of one year of operations. Its flagship product, Crédito Inteligente Creizer, offers credit lines of up to $4,000,000 MXN structured without a traditional interest rate; instead, borrowers repay a fixed percentage of daily sales, so payments automatically decrease when sales decline. More than 500 sellers in Mexico use the platform, and the company is led by a team of approximately 15 across credit, collections, operations, software, growth, and sales.

The platform is built around an AI-powered prediction engine that connects to seller marketplace accounts via read-only token-based integrations, analyzes sales volume and patterns, and produces a personalized credit proposal within 24 to 72 hours. Supporting products include a credit simulator, digital contracting with video verification, documentation services, an educational blog, and structured Broker (2% first operation, 0.5% recurring) and Ambassador (up to $13,000 MXN per closed credit) referral programs. The technology stack is web-based — no native mobile app — operating through creizer.com and a back-office webapp at plataformacreizer.com, with the legal entity Creix SF, SAPI de CV registered in Mexico and AML compliance in place under the Federal Law for the Prevention and Identification of Operations with Illicit Proceeds.

Creizer monetizes primarily through transaction-based take-rates on disbursed credit and secondarily through referral/broker commissions. Go-to-market is sales-led and digital self-serve via the website, augmented by partner referrals and a 25+ logo partner ecosystem that includes Kueski, Nubimetrics, Envia.com, Mercadobot, and others. The company is backed by Y Combinator (W22 batch), Carabela/Fondo Semilla de Angel Ventures, Bank of America Breakthrough Lab, Village Capital, and a syndicate of US-based seed funds (Soma Capital, Rebel Fund, Pioneer Fund, L2 Ventures, Asymmetry Ventures, True Capital Management, Liquid 2 Ventures), with current operations concentrated in Mexico and stated intent to expand across the broader Latin American region.

Name

Creizer

Legal name

Creix SF, SAPI de CV

Website

https://creizer.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Creizer is a Mexican fintech founded in 2021 that provides revenue-based financing of up to $4 million MXN to online marketplace sellers, repaid as a percentage of daily sales and serving 500-plus SMB merchants on Mercado Libre, Amazon, and Shopify in Mexico.

Ownership category

akta.pro rank

Product category

Alternative Lending

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

Keywords

• Revenue-based financing
• Online seller credit
• E-commerce lending
• Marketplace seller financing
• Alternative credit scoring

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Revenue-Based Financing: Creizer provides credit to online sellers with no traditional interest rate. Instead, borrowers pay a fixed amount based on a percentage of their daily sales volume. Payments adjust automatically based on business performance - if sales decrease, payments decrease proportionally.
2. Referral/Broker Commissions: Partners and brokers earn commissions (2% on first operation, 0.5% on recurring transactions) for referring credit customers to Creizer

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Creizer provides revenue-based financing to online marketplace sellers in Mexico (primarily on Mercado Libre, Amazon, and Shopify). The company uses an AI-powered prediction engine to analyze a seller's sales data and delivers a personalized credit proposal within 24-72 hours, with credit lines up to $4,000,000 MXN. Repayment is structured as a fixed amount based on a percentage of daily sales volume rather than traditional interest, so payments scale up or down automatically with the seller's revenue.

Product overview

Creizer is a Mexican fintech company offering an integrated credit platform for online sellers in Latin America. The core offering is the Crédito Inteligente Creizer, a revenue-based financing product that provides flexible credit to marketplace sellers (Mercado Libre, Amazon, Shopify, Linio, Liverpool) based on their sales performance. The platform connects directly to seller accounts to analyze sales data and generate personalized credit proposals up to $4,000,000 MXN, with repayment scaling dynamically with daily sales volume. Supporting modules include a Broker Referral Program (2% commission), Ambassador Program (up to $13,000 MXN rewards), educational blog, documentation services, digital contracting, and a credit simulator. Creizer operates its platform via webapp at plataformacreizer.com and was founded in 2021, backed by Y Combinator and Carabela/Angel Ventures.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• More than 500 sellers in Mexico trust Creizer
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Mercado LibrecoreTechnology or IntegrationPlatform integration allowing Creizer to access seller sales data for credit assessment. Sellers can connect their Mercado Libre accounts to Creizer's prediction engine for credit analysis.
• AmazoncoreTechnology or IntegrationPlatform integration allowing Creizer to access seller sales data for credit assessment. Amazon sellers are a primary customer segment for Creizer.
• AMVO (Asociacion Mexicana de Venta Online)minorStrategic or Co-development PartnerCreizer is a member of AMVO, the Mexican Online Sales Association, participating in e-commerce ecosystem events and initiatives
• E-commerce Service PartnersminorChannel Partner/ Reseller/ DistributorVarious e-commerce service providers participate in Creizer's partner program, referring clients for credit and earning commissions. Includes tools like Kueski, Envia.com, Mercadobot, Nubimetrics, and others.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Kueski: Mexican fintech lender offering consumer BNPL and credit. A partner of Creizer and fellow Mexico-based fintech, though its lending focus is on consumers rather than the SMB marketplace sellers Creizer targets.

Broad incumbents

• Mercado Pago: The payments and lending arm of Mercado Libre. Offers seller credit and working capital directly to Mercado Libre marketplace sellers — the exact customer base Creizer serves — making it the most strategically threatening competitor.
• Konfío: Mexico's largest digital SMB lending platform, providing working capital and business credit to Mexican SMBs including online sellers. Larger and more established than Creizer, with broader SMB focus but overlapping customer base.
• Clara: Mexican fintech offering corporate cards and credit lines to SMBs. Competes for the same Mexican online-seller working-capital wallet but through a card-based rather than revenue-share product.
• Amazon Lending: Amazon's first-party seller-financing program offering working capital to Amazon Marketplace sellers. Direct competitor for the Amazon-seller segment of Creizer's customer base, with structural data and balance-sheet advantages.

Emerging players

• Aplazo: Mexican BNPL fintech enabling installments at online checkout. Adjacent to Creizer in serving Mexican e-commerce merchants but on the demand-side (consumer payments) rather than supply-side (merchant working capital).
• Stori: Mexico-based credit-card fintech serving underbanked consumers and SMBs. Comparable as a Mexican digital lender but targeting consumers rather than marketplace seller working capital.

Direct peers

• Pipe: Pipe converts recurring revenue streams (including marketplace seller revenues) into upfront capital via a trading platform for revenue shares. Direct conceptual competitor to Creizer's revenue-share-based repayment model.
• Wayflyer: Ireland-based revenue-based financing platform purpose-built for e-commerce merchants. Wayflyer is the closest international analog to Creizer's model, providing flexible working-capital advances to online sellers repaid as a percentage of sales.
• Clearco: Originally Clearbanc, Clearco provides revenue-based financing and data-driven working capital to e-commerce and SaaS companies. Comparable to Creizer in using sales/transaction data rather than credit history for underwriting SMB online sellers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/creizer

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds4 records

Investors10 records

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 Creizer