Soluciones Financieras del Perú

What Soluciones Financieras del Perú does

Soluciones Financieras del Perú E.I.R.L. (operating as "Solfipe") is a Lima-based Peruvian financial services company that provides working-capital financing to micro and small enterprises (MYPES) and to property-owning individuals. The company is structured as an Empresa Individual de Responsabilidad Limitada (E.I.R.L.), a private individual-liability entity registered under RUC 20605520775, with its operational office in Miraflores and registered domicile on Av. Nicolas Arriola. It was founded as a financial alternative for SMEs needing rapid, flexible liquidity outside traditional bank channels.

Solfipe offers two core products. The first is Factoring Corporativo, an invoice-advancing service that purchases or advances payment on accounts receivable owed to MYPES by their debtors, providing up to 95% of invoice value as an advance, with revenue generated through interest charged on the advanced amount. The second product line is Préstamos con Garantía, comprising both Hipotecaria (real-estate-secured) and Vehicular (vehicle-secured) loans, where the loan amount is determined by the appraised value of the collateral and revenue is generated via interest on the loan principal. A core differentiator is that the secured-loan products explicitly do not require INFOCORP credit-bureau checks or income verification, and the company targets disbursement within 48 hours of approval, positioning itself as a faster, more accessible alternative to Peruvian banks for borrowers with limited or damaged credit histories.

The business operates a direct, sales-led go-to-market motion. Customers initiate contact via WhatsApp, phone, or website forms; the company coordinates property and vehicle appraisals before disbursement. Marketing is concentrated in organic channels — the corporate website (which includes a factoring calculator and a repository of Peruvian financial regulations as authority content), Facebook, LinkedIn, and Instagram — supplemented by direct outbound contact via WhatsApp and phone. Revenue is generated purely through transaction-based fees (interest on advances and loans), with no subscription or platform revenue. The company holds a registered personal-data bank under Ley N° 29733, indicating formal compliance with Peruvian data protection requirements. No institutional investors, funding rounds, headcount figures, management roster, or strategic partnerships are disclosed in the source material.

Name

Soluciones Financieras del Perú

Legal name

SOLUCIONES FINANCIERAS DEL PERU E.I.R.L.

Website

https://solfipe.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Soluciones Financieras del Perú (Solfipe) is a Lima-based Peruvian E.I.R.L. that provides invoice factoring (up to 95% of invoice value) and collateralized lending (mortgage and vehicle) to micro and small enterprises, operating a direct sales motion via WhatsApp, phone, and website without INFOCORP credit checks.

Ownership category

akta.pro rank

Product category

Small Business Financing

NAICS

Nondepository Credit Intermediation (5222), Consumer Lending (522291)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro industry

PRIMARYFSABAHAD

Receivables Finance (Factoring, Invoice Discounting, Forfaiting)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Trade Finance & Supply Chain Banking

Keywords

• Invoice factoring
• Secured lending
• Mortgage-backed loans
• Micro enterprise financing
• Vehicle collateral loans

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring (Corporate): The company purchases or advances payment on invoices owed to MYPES by their debtors. Revenue is generated through interest charged on the advanced amount, with advances of up to 95% of the invoice value.
2. Secured Loans (Hipotecary and Vehicular): Loans granted against real estate or vehicle collateral. The borrower uses their property or vehicle as security. Revenue is generated via interest on the loan principal, with disbursement typically within 48 hours after approval.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Solfipe (Soluciones Financieras del Perú E.I.R.L.) is a Peruvian financial services company that provides liquidity to micro and small enterprises (MYPES) through corporate invoice factoring and secured lending products. Its core offerings include invoice factoring (advancing up to 95% of invoice value), mortgage-backed loans (Préstamo con Garantía Hipotecaria), and vehicle-backed loans (Préstamo con Garantía Vehicular), all disbursed rapidly with simplified credit evaluation that bypasses INFOCORP credit bureau checks.

Product overview

Solfipe (Soluciones Financieras del Perú E.I.R.L.) is a Peruvian financial services company offering two core products: Factoring Corporativo for invoice advance payments and Préstamos con Garantía (Hipotecaria and Vehicular) for secured lending. The company targets micro and small enterprises (MYPES) in Peru, providing liquidity through property and vehicle-backed loans and corporate factoring services with rapid disbursement and simplified evaluation processes.

Differentiator

Problem solved

Functional benefit

Products and services

• Factoring Corporativo Invoice factoring service that allows Peruvian businesses (MYPES) to advance payment on their accounts receivable at rates of up to 95% of the invoice value. Designed for suppliers and debtors needing rapid liquidity, with simplified evaluation and competitive interest rates.
• Préstamo con Garantía Hipotecaria Secured loan product that allows borrowers to use their real estate property as collateral to obtain financing based on the property's appraised value. No INFOCORP credit bureau review or income verification required, with disbursement within 48 hours after approval.
• Préstamo con Garantía Vehicular Secured loan product that allows borrowers to use their vehicle as collateral to obtain financing based on the vehicle's appraised value. No INFOCORP credit bureau review or income verification required, with disbursement within 48 hours after approval.

Quantifiable outcome

• Up to 95% of invoice value advanced via factoring
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights3 records

Direct peers

• Stori: Mexico-based credit card and SMB lending fintech serving underbanked consumers and small businesses. Comparable in using alternative underwriting and digital channels to serve thin-file borrowers.
• Konfío: Mexico-based SMB lending platform that provides working capital and growth loans to underserved small and medium businesses. Highly comparable in targeting underbanked SMBs with fast, non-traditional underwriting.
• Creditas: Brazilian consumer finance company specializing in secured lending against home equity and vehicles. Closely comparable in offering property- and vehicle-backed loans to borrowers who need liquidity without selling their assets.
• Kueski: Mexican online consumer and SMB lender focused on instant credit decisions for underbanked borrowers. Comparable in alternative-data underwriting and digital-first origination for underserved segments.

Broad incumbents

• Caja Municipal de Ahorro y Crédito (CMAC): Peruvian municipal savings and credit institutions providing microfinance and SMB lending across regions. Comparable in serving MYPES with secured and unsecured credit products, though distributed across multiple regional cajas.
• Mibanco: Peru's largest microfinance institution, part of the BCP group, serving MYPES and small entrepreneurs nationwide. Comparable in serving the same MYPES segment in Peru, but as a regulated bank with a much broader product set and footprint.
• Mercado Pago: LatAm-wide fintech (part of MercadoLibre) offering merchant credit, consumer credit, and SMB financing across multiple countries. Comparable as a digital credit provider to SMBs, but with vastly broader scale and product portfolio.
• Banco Compartamos: Mexico-based microfinance bank serving micro-entrepreneurs and low-income borrowers across LatAm. Comparable in microfinance/microcredit focus on underbanked segments, though much larger and broader in product offering.
• Covalto: Mexico-based SMB banking and credit platform (formerly Consubanco digital) targeting underserved SMEs. Comparable in SMB credit focus within LatAm, with a broader banking and capital markets infrastructure.

Emerging players

• Clara: LatAm-focused corporate credit card and SMB financing provider operating across Mexico and other LatAm markets. Comparable in serving SMB financing needs through digital channels, with emerging presence rather than full market saturation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/solfipe
• LinkedInlinkedin.com/company/solfipe
• Instagraminstagram.com/solfipe.peru

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 Soluciones Financieras del Perú