Solución Financiera

What Solución Financiera does

SF Solución Financiera is a privately-held Peruvian financial intermediation platform headquartered at Jr. Juan Bujanda 335 in Lima's La Victoria district, with additional offices in Chiclayo and Trujillo. The company operates a multi-product service portfolio organized under four core brands: SF Oferta de Créditos (credit matching that compares offers from financial and non-financial institutions using the customer's DNI), SF Descuento de Deudas (debt discount negotiation against the same institutional universe), SF Verificación Domiciliaria (national address and commercial verification), and SF Courier y Cargo (document and notification delivery). Ancillary service lines include Gestión de Cobranza, Gestión de Recaudo, Gestión Comercial, and Consultoría y Asesoría. The technology stack is not publicly disclosed; the company markets itself as combining financial industry expertise with information technology capability but provides no specifics on platform architecture, integrations, or proprietary systems.

The business model is structured around a free-to-customer intermediation model in which SF Solución Financiera charges end users nothing ("sin ningún costo") for credit matching or debt discount services. Revenue is described as derived from commissions or referral fees paid by financial and non-financial institutions that receive customers through SF's platform, classifying the model as affiliate-referral based. Go-to-market is sales-led and physical, relying on walk-in traffic at three staffed offices, phone-based inquiry across multiple published numbers, and DNI-based registration forms on the company website (sfsolucionfinanciera.com). No app, mobile product, API, or SDK offering is disclosed.

SF Solución Financiera serves two principal segments: Peruvian individual consumers seeking credit or debt management solutions, and business entities requiring domiciliary verification, document logistics, and notification services. Marketing and customer acquisition occur primarily through the company website, direct phone lines, and the physical offices, with no social media presence, app downloads, or content marketing infrastructure disclosed. The company positions itself as the first personalized financial intermediation service in Peru, claiming first-mover status in the segment, though no funding history, investor backing, regulatory certifications, or leadership bios are disclosed in the source material.

Name

Solución Financiera

Legal name

SF Solución Financiera

Website

https://sfsolucionfinanciera.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

SF Solución Financiera is a privately-held Peruvian financial intermediation platform that offers free credit matching and debt discount services to individual consumers, plus address verification and courier services to businesses, operating from offices in Lima, Chiclayo, and Trujillo.

Ownership category

akta.pro rank

Product category

Financial Services Intermediation

NAICS

Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAHAA

Consumer P2P Personal Loans (Unsecured)

Financial & Insurance/Lending & Consumer Finance/Peer-to-Peer (P2P) & Marketplace Lending

SECONDARYFSAKAAAD

Debt Consolidation Personal Loans (Unsecured Installment)

Financial & Insurance/Lending & Consumer Finance/Personal Loans (Unsecured Installment)

Keywords

• Credit intermediation
• Debt management services
• Address verification
• Document courier services
• Financial advisory

Headquarters

HQ city

La Victoria

HQ country

Peru

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Intermediation Services: The company provides credit matching services connecting customers with financial and non-financial entities at no cost to the customer. Revenue appears to be generated through commissions or fees paid by the lending institutions that receive customers through SF's platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

SF Solución Financiera intermediates between Peruvian consumers and financial and non-financial institutions by comparing credit offers and negotiating debt discounts at no cost to the user. It also sells nationwide domicile and commercial verification, document courier and notifications, collection management, funds collection, commercial management, and consulting services, primarily to businesses. Revenue is generated through affiliate referrals to lending institutions and fees for its business-facing services.

Product overview

SF Solución Financiera is a personalized financial solutions intermediation service in Peru that operates as a multi-product platform offering credit matching, debt resolution, verification, and document delivery services. The core portfolio includes SF Oferta de Créditos (credit intermediation comparing offers from financial and non-financial entities), SF Descuento de Deudas (debt discount negotiation), SF Verificación Domiciliaria (national address verification), and SF Courier y Cargo (document delivery). Additional operational services include Gestión de Cobranza (collection management), Gestión de Recaudo (funds collection), Gestión Comercial (commercial management), and Consultoría y Asesoría (consulting and advisory). The company positions itself as a technology-enabled financial intermediary combining financial industry professionals with information technology expertise.

Differentiator

Problem solved

Functional benefit

Brands

• SF Oferta de Créditos: Credit offer matching service that connects customers with financial and non-financial institutions to find suitable financing.
• SF Descuento de Deudas
• SF Verificación Domiciliaria
• SF Courier y Cargo

Products and services

• SF Oferta de Créditos Credit intermediation service that allows individual users to compare credit offers from financial and non-financial entities by entering their DNI (Peruvian national ID), provided at no cost to the user.
• SF Descuento de Deudas Debt resolution service that negotiates extraordinary discounts on users' debts with financial and non-financial entities, offered free of charge to the consumer.
• SF Verificación Domiciliaria National domicile and commercial verification service for businesses that need to confirm addresses and locations of clients, employees, or partners across Peru.
• SF Courier y Cargo Document delivery and general notification courier service for the handling and distribution of documents and communications between businesses and recipients.
• Gestión de Cobranza Collection management service for businesses that need outsourced debt recovery processes and ongoing collections operations.
• Gestión de Recaudo Funds collection service that handles payment collection operations on behalf of institutional clients as part of SF's back-office offerings.
• Gestión Comercial Commercial management service covering operational and customer management activities for clients that require outsourced sales or customer operations support.
• Consultoría y Asesoría Consulting and advisory service for financial solutions and business strategy, leveraging SF's team of financial industry and IT professionals.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Direct peers

• Coru: Coru is a Peru-based personal-finance aggregator app that consolidates users' financial accounts, tracks spending, and surfaces tailored credit and product offers from partner institutions. It overlaps with SF's SF Oferta de Cr\u00e9ditos in offering Peru-based consumers curated credit-product access through institutional partnerships.
• LendingTree: LendingTree is a US-headquartered online credit marketplace that matches consumers with multiple lenders across personal loans, debt consolidation, and adjacent products via a free-to-user model funded by lender referral fees - functionally identical to SF Soluci\u00f3n Financiera's SF Oferta de Cr\u00e9ditos product.
• Credit Karma: Credit Karma (now part of Intuit) is a consumer credit-comparison platform offering free credit scores, credit card and loan matching with lender referral revenue, plus adjacent personal-finance tools. Its lead-generation/affiliate economics and customer-facing 'free' value proposition mirror SF's intermediation model.
• Monevo: Monevo is a UK-based personal-loan marketplace that distributes consumer credit applications to a panel of lenders and earns referral fees, providing a direct parallel to SF's function as a credit intermediation broker between consumers and lenders.
• BankBazaar: BankBazaar is an emerging-market credit and financial-product comparison marketplace (India-led, multi-country) that aggregates loan, credit card and debt offers from banks and NBFCs. It operates the same kind of free consumer-facing / lender-paid intermediation model as SF, in similar underbanked retail-credit environments.
• Comparabien: Comparabien is a Peru-and-LatAm-based financial product comparison platform that matches consumers with banking, credit card, and loan offerings and is funded by lead-generation fees from financial institutions. It is the closest in-country comparable to SF Soluci\u00f3n Financiera's credit-offer intermediation line.

Regional players

• Kueski: Kueski is a Mexico-based digital consumer lender and credit marketplace serving underbanked consumers with online personal loans and 'pay later' products. It is regionally comparable to SF in targeting Latin American consumers seeking non-traditional credit access, though it does more direct lending than pure intermediation.
• Creditas: Creditas is a Brazil-based consumer credit and secured-lending marketplace that intermediates borrowers with capital providers and uses payroll/home/auto-collateral underwriting models. It targets structurally similar Latin American consumer-credit pain points and provides a regional benchmark for SF's intermediation-plus-adjacent-services strategy.

Broad incumbents

• GoCompare: GoCompare is a UK-listed financial comparison platform (broader across insurance, credit cards, and loans) where lead-generation commissions from financial institutions are the core revenue model. It is a broader-scope incumbent operating the same intermediation/referral economics as SF.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/sfsolucionfin
• Facebookfacebook.com/sfsolucionfinanciera

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 Solución Financiera