Fundación Amanecer

What Fundación Amanecer does

Fundación Amanecer is a Colombian nonprofit foundation (entidad sin ánimo de lucro) established in 1994 and headquartered in Yopal, Casanare, that provides microcredit and social investment services to microentrepreneurs across the Orinoco River Basin region. It operates a portfolio of three core offerings: Microcrédito (microcredit loans for working capital and fixed assets, with a 24-hour rapid-disbursement product), Proyectos Transformadores (transformative social investment projects focused on productive development, climate adaptation, and inclusive territorial articulation), and Academia de Formación (a training academy providing accompaniment in finance and marketing). The foundation targets vulnerable populations, with 93% of beneficiaries in strata 1 and 2 (the lowest socioeconomic brackets), and serves microentrepreneurs in both urban and rural areas, rural farmers (campesinos), and women entrepreneurs, with 18,000+ cumulative credit customers, 9,200 women empowered, and 7,500 farmers strengthened. Distribution is delivered through a network of seven physical branch offices (six in Casanare plus a new office in Chocontá, Cundinamarca opened in June 2026), supplemented by field-based credit officers and a virtual branch (Sucursal Virtual) for remote customer access.

The foundation operates under Colombia's Special Tax Regime (Régimen Tributario Especial) with oversight from the Gobernación de Casanare. Revenue is generated primarily through interest on its microcredit portfolio; for FY 2023-2024, the foundation reported ordinary income of approximately 27.6 billion COP (~$6.6-7.3M USD), and over its 31-year history has disbursed 680 billion COP in cumulative credits. The go-to-market is field-based enterprise lending — direct credit assessment and disbursement through the physical office network and visiting officers, with a digital self-serve layer for existing customers. No proprietary technology, AI/ML capabilities, or app-based product are disclosed; core systems are a transactional virtual branch portal and standard field operations. Strategic partnerships with energy-sector counterparties (Ecopetrol, Frontera Energy, Hocol, CEPSA) and multilateral organizations (USAID, UNDP, Asomicrofinanzas) anchor the social investment funding model and provide territorial legitimacy. Leadership consists of Director General César Iván Velosa Poveda, an alternate legal representative, and a Board of Directors designated in 2022; fiscal audit is performed by Moore Assurance S.A.S.

Name

Fundación Amanecer

Legal name

Fundación Amanecer

Website

https://amanecer.org.co

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

251–500 employees

Short description

Fundación Amanecer is a Colombian nonprofit foundation established in 1994 that provides microcredit, social investment projects, and business training to microentrepreneurs, rural farmers, and women across the Orinoco River Basin region, primarily in Casanare.

Ownership category

akta.pro rank

Product category

Microfinance Services

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM), Agricultural & Rural Microfinance (FSAKAGAG), SME Term Loans & Growth Capital (FSAKAGAB), Secured Microloans (Community/Nonprofit, Collateralized) (FSAKALAJ)

Keywords

• Microcredit lending
• Financial inclusion services
• Social investment programs
• Microfinance services
• Rural development support

Headquarters

HQ city

Yopal

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, Others

Revenue model

1. Microcredit lending: Provides microcredit to microentrepreneurs for commercialization, production, or service provision. Focuses on working capital and fixed assets for microenterprises with growth potential. Revenue generated through interest on loans.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Fundación Amanecer provides microcredit financing to microentrepreneurs in rural and urban areas of Colombia, supporting working capital and fixed asset needs with rapid 24-hour disbursement and competitive rates. The foundation complements lending with transformative social investment projects (climate adaptation, productive unit development, inclusive territorial articulation) and a training academy offering accompaniment in finance and marketing to strengthen microenterprise capabilities.

Product overview

Fundación Amanecer is a Colombian microfinance foundation operating since 1994 that offers a portfolio of financial and social development services centered on three core offerings: Microcrédito (microcredit loans for working capital and fixed assets with 24-hour disbursement), Proyectos Transformadores (transformative social investment projects focused on productive development, climate adaptation, and territorial inclusion), and Academia de Formación (training academy with financial and marketing accompaniment). The organization targets microentrepreneurs in rural and urban areas, primarily in strata 1 and 2, facilitating financial inclusion across the Orinoquia watershed. A digital Sucursal Virtual platform provides online access to credit services.

Differentiator

Problem solved

Functional benefit

Products and services

• Microcrédito (Microcredit) Microcredit financing for microenterprises in rural and urban areas of Colombia, providing capital for commercialization, production, or service delivery with rapid 24-hour disbursement and rates that reward borrower compliance. Includes a 24-hour rapid credit option for immediate liquidity needs.
• Proyectos Transformadores (Transformative Projects) Social investment projects promoting sustainable development, productive unit development, inclusive territorial articulation, and climate change adaptation in the Orinoquia region. Operates through programmatic lines including climate change adaptation and inclusive territorial articulation.
• Academia de Formación (Training Academy) Training academy providing expert accompaniment in finance and marketing to support microentrepreneurs and strengthen their business capabilities as part of the integrated microcredit-plus-training offering.
• Sucursal Virtual (Virtual Branch) Online branch platform enabling existing customers to manage credit and access the foundation's financial services remotely through a dedicated digital channel.

Quantifiable outcome

• 18,000 people served through credit programs
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• UNDP (United Nations Development Programme)coreStrategic or Co-development PartnerUN agency partnership for sustainable development and social transformation programs
• EmprenderminorStrategic or Co-development PartnerEntrepreneurship support program partnership
• AsomicrofinanzascoreStrategic or Co-development PartnerColombian microfinance association membership for industry collaboration and best practices
• Gobernación de CasanarecoreStrategic or Co-development PartnerRegional government partner providing oversight and support for foundation operations
• AFEminorStrategic or Co-development PartnerRegional development partner organization
• Cámara de Comercio de SogamosominorStrategic or Co-development PartnerChamber of commerce partnership for regional business development
• Alcaldías de SogamosominorStrategic or Co-development PartnerMunicipal government partnerships for local development initiatives

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Regional players

• BancoSol (Bolivia): Bolivian microfinance bank serving microentrepreneurs and small businesses. Similar mission and target customer base, but focused on the Bolivian market.
• MiBanco (Peru): Peruvian microfinance bank serving micro and small entrepreneurs with credit and savings products. Closely comparable microcredit-led business model, but in the Peruvian market.
• Compartamos Banco: Leading Mexican microfinance bank serving microentrepreneurs through group and individual lending. Comparable microcredit business model, but operates primarily in Mexico rather than Colombia.

Direct peers

• Banco Mundo Mujer: Colombian microfinance institution focused on women microentrepreneurs and rural/urban small businesses. Highly comparable given overlapping mission, customer profile (women entrepreneurs, strata 1-2), and microcredit-led offering.
• Finamerica: Colombian microfinance institution providing microcredit and related financial services to small entrepreneurs and rural populations. Direct competitor in the Colombian microcredit segment.
• W (formerly Banco W): Colombian digital microfinance bank serving microentrepreneurs and lower-income customers. Comparable business model and customer base, with a more digitally native delivery mechanism.
• Bancamia: Colombian microfinance bank (part of Grupo Bolívar) serving microentrepreneurs with credit, savings, and related services. Closest direct peer given similar target segments (microentrepreneurs, low-income populations) and microcredit-led product mix.

Broad incumbents

• Banco Agrario de Colombia: State-owned commercial bank with deep rural and agricultural lending presence across Colombia. Broader incumbent that overlaps with Amanecer's rural/campesino segment but operates as a full-service commercial bank.
• Bancóldex: Colombian development bank focused on SME and entrepreneurship financing. Broader incumbent with overlapping financial-inclusion mandate, but serves a wider size spectrum than microenterprises.

Others

• Asomicrofinanzas: Colombian microfinance industry association of which Fundación Amanecer is itself a member. Included as an ecosystem/industry-body peer reflecting Amanecer's positioning within the formal Colombian microfinance sector.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fundamanecerco

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Fundación Amanecer