Name

Shareppy International

Legal name

Shareppy Internacional S.A.S.

Website

https://shareppyinternacional.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Credit Management Software for Financial Institutions

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Credit management software
• Fintech solutions
• Digital lending platform
• Biometric identity verification
• Cooperative banking software

Headquarters

HQ city

Floridablanca

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Subscriptions and Licensing: SaaS/software subscription model providing access to the credit management platform modules including Smart Road, Biometrics, Central Research, PaperLess, Digital Promissory Notes, and Digital Credit. Revenue generated through recurring software service fees to financial institutions and cooperatives.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Shareppy Internacional provides a modular credit management software platform for financial institutions and cooperatives in Latin America. The core offering, Smart Road, manages the end-to-end credit lifecycle from origination through collection, complemented by add-on modules for biometric identity verification (Biometrics), document digitization (PaperLess), credit bureau consultation and scoring (Central Research), digital promissory notes with Deceval integration (Desmaterialización de Pagarés), and member self-service (Crédito Digital). The company also operates a Tier III Data Center providing cloud and offline infrastructure services.

Product overview

Shareppy International is a Colombian fintech that offers a modular credit management software suite for the financial and cooperative sector. The core platform is Smart Road, which manages the entire credit lifecycle from origination and disbursement to portfolio and collection management. It operates as a platform-plus-modules architecture, where Smart Road serves as the central orchestration layer integrating with add-on modules: PaperLess (document digitization), Biometrics (identity validation), Central Research (credit bureau and scoring), Desmaterialización de Pagarés (digital promissory note signing with Deceval integration), and Crédito Digital (member self-service web app). An auxiliary Data Center service provides Tier III infrastructure for cloud and offline operations. All products collectively aim to digitalize, automate, and add traceability to financial entity operations.

Differentiator

Problem solved

Functional benefit

Products and services

• Smart Road Credit management platform for financial entities that enables programming, systematization, and flexible execution of the entire credit lifecycle, including data collection, field operations, commercial tracking, georeferencing, and portfolio management from a single integrated interface.
• Biometrics Identity validation software using fingerprint and facial biometric recognition devices to authenticate clients during the credit process, ensuring proper service delivery and fraud prevention for financial institutions.
• PaperLess Software components that digitize various business processes, reducing paper usage as a rapid and effective way to reduce environmental load and generated waste while improving efficiency and traceability.
• Central Research Credit bureau consultation tool that aids decision-making at operational and administrative levels, providing credit history checks and scoring analysis for prospect evaluation by financial institutions.
• Desmaterialización de Pagarés (Digital Promissory Notes) Solution that enables digital signing of dematerialized promissory notes as backing for credit operations, replacing physical paperwork with biometric signature and direct integration with Colombia's Central Securities Depository (Deceval) for settlement and custody.
• Crédito Digital Web platform that simulates a mobile application interface for cooperative member self-service in placing financial product requests, assisting with prospect evaluation, data collection and validation, and storing requests in the entity's core banking system.
• Data Center Tier III Data Center service providing remote hands support and infrastructure hosting for financial entities at Zona Franca Santander, with cloud and offline operation capabilities, ensuring data backup, history, and traceability.

Quantifiable outcome

• Digital entities in Latin America adopting digital tools increase operational efficiency by up to 40% and reduce operational costs.
• +2 more outcomes

Named customers5 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

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• Zona Franca SantandercoreOthersShareppy Internacional operates within Zona Franca Santander, one of Colombia's most important free trade zones. The location provides access to physical infrastructure and technological resources enabling the company to deliver high-quality services and support its international expansion strategy. The company is listed as a member of Zona Franca Santander.
• Deceval (Depósito Centralizado de Valores de Colombia)coreTechnology or IntegrationThe Desmaterialización de Pagarés (Digital Promissory Notes) module integrates directly with Deceval, Colombia's Central Securities Depository. Digital promissory notes are signed, validated via biometric signature, and transmitted directly to Deceval for settlement and custody, enabling fully digital promissory note management for financial entities.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• TOTVS: Brazil's largest enterprise software company with a dedicated financial-services vertical serving banks, fintechs, and credit unions across LATAM. Product portfolio overlaps with Shareppy's end-to-end credit lifecycle positioning but is sold as part of a broader ERP/financial suite rather than as a focused credit management product.
• Sonda: One of the largest IT services and systems integration vendors in LATAM, with long-standing relationships in the banking and cooperative sectors across Colombia, Chile, Brazil, and Central America. Comparable to Shareppy in working with the same target customer base (LATAM banks and cooperatives), but Sonda delivers via services-led, multi-vendor implementations rather than a proprietary credit platform.
• Finastra: Global financial software platform that competes with Shareppy on loan origination, credit decisioning, and core banking work, and serves a number of LATAM financial institutions from large offices in the region. Broader portfolio and deeper implementations make it a competitor on enterprise cooperative/bank deals rather than for Shareppy's mid-tier cooperative niche.
• Temenos: Swiss-headquartered global leader in core banking and loan origination software, selling to banks and credit unions across LATAM via local partners. Overlaps with Shareppy's credit lifecycle product vision but operates at much greater scale, with broader modules and significantly higher price points, making it a ceiling rather than a head-to-head competitor.
• Jack Henry: U.S. provider of core processing, loan origination, and digital banking platforms sold primarily to community banks and credit unions. Comparable to Shareppy in targeting member-owned/cooperative-style institutions with integrated credit workflows, but with very different geographic focus and a much larger scale.
• FIS: U.S. financial technology incumbent with deep loan origination, card, and core banking products and growing presence across LATAM through partnerships and local offices. Relevant as an incumbent vendor choice for larger LATAM banks and cooperatives that might otherwise evaluate a smaller SaaS provider like Shareppy.
• Sage: Global provider of financial management, accounting, and lending software sold to SMBs and small/medium financial institutions, with growing LATAM presence. Overlaps with Shareppy on credit processes and digital lending front-ends, but anchored in a broader SMB-management product rather than a purpose-built cooperative credit stack.

Emerging players

• Cobre: Colombia-based LATAM B2B fintech building treasury, payments, and cash management SaaS for SMBs and financial operators. Adjacent to Shareppy in serving LATAM financial workflows but focused on corporate treasury/payments rather than cooperative credit origination — useful as a regional emerging benchmark for funding, headcount, and SaaS distribution in the same geography.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Shareppy_Int
• Facebookfacebook.com/Shareppy-Internacional-100042166496599
• LinkedInlinkedin.com/company/shareppy-internacional

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 Shareppy International