Credifamilia

What Credifamilia does

Credifamilia Compañía de Financiamiento S.A. is a Colombian specialty housing financing company (Compañía de Financiamiento) founded in January 2011 and headquartered in Bogotá. It provides mortgage credit (Crédito Hipotecario) for new and used housing acquisition and remodeling, a contractual housing savings account (Cuenta de Ahorros para Vivienda), and digital time deposits (CDT Digital) to low and medium income Colombian households, with a minimum qualifying income of 1 SMMLV. The company also extends consumer credit through the CrediBienestar sub-brand for health, dental, aesthetic, and fertility services at partner merchants, and runs a commercial credit line (Crédito para Constructoras) for VIS/VIP housing developers. Major shareholders include leading Colombian construction firms (Marval, Prodesa, Apiros, Constructora Capital, Triada) and insurance company Global Seguros.

The company's technology stack is a digital-first origination and servicing platform spanning online mortgage application with identity verification through Colombia's National Civil Registry, dematerialized CDT certificates custodied by DECEVAL, a PSE-integrated 24/7 payment gateway, and a self-service client portal. Distribution combines seven physical branch offices with partner coverage across ten Colombian cities (Bogotá, Medellín, Cali, Bucaramanga, Barranquilla, Pereira, Armenia, Manizales, Tunja, Ibagué), a real estate agent referral program (Club de Referidos), and growing digital self-service channels. Insurance products (Seguro de Desempleo, Cuota Protegida) are distributed in partnership with Mapfre Seguros.

The revenue model is predominantly spread-based: interest income on a $704,585M COP gross loan portfolio (2025) is funded by CDT and savings deposits, supplemented by insurance distribution fees, partner merchant referral economics on CrediBienestar loans, and ancillary fees. Credifamilia holds an AA- credit rating from BRC Standard & Poor's, is supervised by the Superintendencia Financiera de Colombia, and operates under Fogafín deposit insurance up to $50M COP per depositor. In 2021 the company completed a $18.3B COP 15-year bond issuance, marking its capital markets debut. Net income of $16,163M COP in 2025 represented a sharp recovery from $10,431M COP in 2024.

Name

Credifamilia

Legal name

Credifamilia Compañía de Financiamiento S.A.

Website

https://credifamilia.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Credifamilia is a Colombian specialty housing financing company that provides mortgage credit, digital CDT investments, housing savings accounts, and consumer credit for health services, serving primarily low and medium income households across 10 Colombian cities since 2011.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

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

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Real Estate (CRE) Mortgage Origination (FSALADAA)

akta.pro secondary industries

Balance-Sheet / Portfolio CRE Lending (FSALADAG), SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• Housing mortgage lending
• Certificate of deposit
• Consumer credit services
• Contractual savings accounts
• Housing finance Colombia

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Mortgage (Hipotecario) Credit Interest: Interest income from mortgage loans for the purchase of new or used housing. These are long-term loans (5-25 years) targeting low and medium income households. The primary revenue driver.
2. Consumer Credit (Credibienestar) Interest: Interest income from consumer loans for health services, aesthetics, odontological treatments, and insurance products. Offered through partner merchants with amounts from $1,000,000 to $12,000,000 COP and terms from 6-36 months.
3. CDT (Certificate of Deposit) Investments: Digital CDT products generate interest expense (cost of funds) that funds lending operations. CDTs are offered at competitive rates with terms from 6-24 months, minimum investment of $1,000,000 COP.
4. Savings Account for Housing: Contractual savings accounts (cuentas de ahorros para vivienda) that help customers accumulate down payments for housing purchases. These deposits fund the company's lending activities.
5. Portfolio Purchase (Gecol): Purchase of loan portfolios from other entities (such as Global Education Group Colombia), generating interest income on acquired loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Credifamilia is a Colombian specialized financing company (Compañía de Financiamiento) that originates long-term mortgage credit for the purchase or remodeling of new and used housing, primarily serving low- and middle-income households earning from 1 SMMLV. It complements this lending core with a digital CDT (Certificado de Depósito a Término) investment product custodied by DECEVAL, a contractual savings account for housing (Cuenta de Ahorros para Vivienda), a consumer credit line for health and wellness services via the CrediBienestar sub-brand, and a commercial credit line for VIS/VIP housing developers.

Product overview

Credifamilia is a specialized financing company (Compañía de Financiamiento) offering a portfolio of financial products centered on housing finance for low- and middle-income populations in Colombia. The core offering is the Crédito Hipotecario for purchasing or remodeling new or used housing, complemented by a savings account for housing (Cuenta de Ahorros para Vivienda) and CDT Digital investment products. Consumer credit is offered through the CrediBienestar sub-brand for health and wellness services at partner merchants. Insurance products — Seguro de Desempleo and Seguro de Cuota Protegida — are distributed through Mapfre. The product suite includes a full digital experience for loan origination (enlinea.credifamilia.com), CDT investment (cdt.credifamilia.com), and client account management (portalclientes.credifamilia.com), alongside a commercial banking line (Crédito para Constructoras) supporting the VIS housing construction sector. All products are subject to oversight by the Superintendencia Financiera de Colombia and deposit insurance by Fogafín up to $50 million.

Differentiator

Problem solved

Functional benefit

Brands

• CrediBienestar: Consumer credit product for health services including dentistry, aesthetics, fertility treatments, and insurance.
• CDT Digital

Products and services

• Crédito Hipotecario (Mortgage Credit) Long-term mortgage credit for the purchase of new or used housing or for remodeling an existing property, available to employees, independent workers, and pensioners earning from 1 SMMLV, with terms from 5 to 25 years and denomination in UVR or pesos.
• CDT Digital (Certificado de Depósito a Término) 100% digital fixed-term deposit certificate for investors, with terms from 180 to 720 days, minimum investment of $1,000,000 COP and maximum of $250,000,000 COP, interest paid monthly, quarterly, semi-annually or at maturity, and Fogafín deposit insurance up to $50 million COP.
• Cuenta de Ahorros para Vivienda (Housing Savings Account) Contractual savings account designed to help clients accumulate a down payment toward purchasing a home, with a savings goal set jointly with Credifamilia based on income and needs, terms of 12, 18, 24 or 36 months, no administration or management fees, and Fogafín deposit protection up to $50 million COP.
• CrediBienestar (Consumer Credit for Health Services) Consumer credit product offered at partner merchant locations (odontology clinics, aesthetic centers, fertility clinics, insurance providers) to finance health, dental, aesthetic and wellness services, from $1,000,000 to $12,000,000 COP with terms of 6 to 36 months, fixed interest, and mandatory life insurance.
• Crédito para Constructoras (Commercial Banking for Developers) Specialized commercial credit product for VIS/VIP housing construction companies and developers, providing working capital and project financing for social-interest housing development, including support for prorratas management.
• Crédito de Acabados VIS (Home Finishes Credit) Specialized credit for finishing and remodeling VIS housing units, aimed at low-income buyers who need to complete their home after acquisition.
• Crédito de Libre Inversión (Free-Investment Credit for Existing Clients) Free-investment consumer loan offered to existing Credifamilia clients for purposes such as debt consolidation or personal purchases, applied for through the company's digital and physical channels.

Quantifiable outcome

• Successful market entry since January 2011 with expansion to 10 cities and consistent growth in gross loan portfolio (from $468,138 million COP in 2020 to $704,585 million COP in 2025)
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• Global Education Group Colombia S.A. (Gecol)minorStrategic or Co-development PartnerPortfolio purchase alliance where Gecol transferred its loan portfolio to Credifamilia under a mandate agreement. The original contract terms remain unchanged for affected customers.
• Global Education Group Colombia S.A. (Gecol)minorOthersEducation-focused loan portfolio acquisition. Gecol borrowers were transferred to Credifamilia for loan servicing, maintaining original credit conditions.
• Mapfre Seguros de ColombiacoreStrategic or Co-development PartnerInsurance partner providing Credifamilia's credit protection products: life insurance (mandatory for all credits), unemployment insurance (Cuota Protegida), and protected installment coverage. Coverage includes up to 6 monthly installments of up to $3,000,000 COP each for dependent workers, and accidental death and temporary disability coverage for independent workers. Premium rates from 3% monthly (included IVA).
• MedycarecoreChannel Partner/ Reseller/ DistributorHealth services provider offering Credifamilia consumer credit at point of service for medical treatments and procedures.
• DHI (Dental Health International)coreChannel Partner/ Reseller/ DistributorInternational dental health provider partner offering Credifamilia consumer credit for odontological treatments, orthodontics, and smile design services.
• DECEVAL S.A.coreTechnology or IntegrationCentral Securities Depository for digital CDT custody. Issues electronic certificates for CDT investments, providing enhanced security against loss, theft, or fraud compared to traditional paper certificates.
• Fogafín (Fondo de Garantías de Instituciones Financieras)coreOthersGovernment entity providing deposit insurance for Credifamilia's savings products. Protects CDT and savings account holders up to $50,000,000 COP per depositor per institution. Promotes confidence in the Colombian financial system.
• Superintendencia Financiera de ColombiacoreOthersGovernment entity responsible for supervising and regulating Credifamilia's financial operations as a financing company (Compañía de Financiamiento).

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Davivienda: Colombia's largest mortgage originator and retail bank, with a strong housing loan portfolio and VIS segment offering. Directly comparable to Credifamilia's core mortgage origination business, though it operates at much larger scale and broader customer scope.
• Banco Caja Social: Colombian bank with a strong focus on low-income housing finance and the social-interest housing segment. Highly comparable to Credifamilia's niche focus on borrowers from 1 SMMLV and VIS/VIP projects.
• Bancóldex: Colombian development bank providing credit and financing for SMEs and construction companies. Directly comparable to Credifamilia's 'Crédito para Constructoras' commercial banking line for VIS housing developers.
• Banco Agrario de Colombia: State-owned bank historically focused on rural and small-town Colombia, including housing finance for low-income populations. Comparable to Credifamilia in its focus on underserved and lower-income segments, though predominantly rural.
• Fondo Nacional del Ahorro (FNA): Colombian government entity focused on housing savings accounts and mortgage lending for public-sector workers and low-income households. Competes directly with Credifamilia's housing savings and mortgage origination offerings, particularly given public subsidies.
• Serfinansa: Colombian Compañía de Financiamiento focused on consumer credit and lending to lower-income populations. Comparable to Credifamilia in business model as a nondepository financing company, though with greater emphasis on consumer credit than mortgage origination.

Broad incumbents

• Bancolombia: Colombia's largest financial conglomerate with a meaningful mortgage loan book alongside consumer, commercial, and corporate banking. Specifically competes with Credifamilia in VIS/VIP segment but offers a much broader product suite.
• Banco de Occidente: Colombian commercial bank part of Grupo Aval with a mortgage loan portfolio and consumer credit offerings. Competes with Credifamilia in the broader mortgage market but serves a wider customer income distribution.
• Banco de Bogotá: Major Colombian bank with a substantial mortgage lending division and a nationwide branch network. Overlaps with Credifamilia in mortgage origination and consumer credit, but serves broader income segments.
• BBVA Colombia: Major Colombian bank offering mortgages, consumer credit, and deposits. Overlaps with Credifamilia in mortgage origination and consumer finance, but serves a broader customer base including higher-income segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@credifamilia_cf
• Facebookfacebook.com/Credifamilia
• Instagraminstagram.com/credifamilia_cf

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Credifamilia