Banpro Factoring Perú

What Banpro Factoring Perú does

Banpro Factoring Perú, legally constituted as BANPRO PERÚ S.A.C., is a Lima-based factoring company that specializes exclusively in converting negotiable invoices into immediate liquidity for Peru's MIPYMES (micro, small, and medium enterprises). The company addresses the cash-flow gap created when MIPYMES issue 30–90 day credit invoices to large corporate or government debtors but must meet shorter-cycle obligations to employees, suppliers, and tax authorities. Its core product, Factoring Nacional, is offered in two variants — factoring con recursos (with recourse to the issuer) and factoring sin recursos (without recourse, with the factor absorbing debtor default risk) — with financing tenors ranging from 15 to 120 days per invoice. Underwriting and registration of invoices is executed through CAVALI's Factrack platform, the centralized registry that gives negotiable invoices legal enforceability, and Banpro is supervised by Peru's SBS, registered with the UIF for AML compliance, and is a member of APEFAC.

The company's technology stack is a digital workflow layer rather than a proprietary AI platform: an online pre-qualification form, digital contract signing, and electronic invoice submission enable a stated sub-24-hour approval and same-day disbursement. Disbursements and collections are processed through five major Peruvian banks (BCP, BBVA, Scotiabank, Interbank, Banbif), allowing broad bank-account reach without owning a banking license. Go-to-market combines direct sales with assigned commercial executives, a digital self-serve pre-qualification channel, and a content-marketing blog targeting MIPYME financial education. The company operates from five physical offices (Lima headquarters in San Isidro, Lima Norte, Arequipa, Piura, Trujillo) and serves all of Peru virtually, completing more than 35,000 factoring operations in the last six years.

Banpro's revenue model is transaction-based — fees are earned per factored invoice as a function of invoice amount, tenor, and debtor credit profile, with no minimum invoice quantity. Pricing is not publicly disclosed. The customer base is horizontally segmented across seven sectors (services, commerce, manufacturing, fishing, mining, agriculture, and construction) and consists primarily of MIPYMEs that lack access to traditional bank credit lines and prefer a non-debt form of working-capital financing. Ownership is private, no funding rounds or M&A activity are disclosed, and the company is not publicly traded.

Name

Banpro Factoring Perú

Legal name

BANPRO PERÚ S.A.C.

Website

https://banpro.com.pe

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Banpro Factoring Perú is a Lima-based, privately held factoring company that converts negotiable invoices into immediate liquidity for Peru's MIPYMES via a 100% digital onboarding process and a national network of five branch offices.

Ownership category

akta.pro rank

Product category

Factoring and Receivables Financing

NAICS

Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

Keywords

• Invoice factoring services
• Accounts receivable financing
• MIPYME liquidity solutions
• Negotiable invoice discounting
• Cash flow financing

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring transaction fees: Banpro acquires negotiable invoices from clients at a charge, providing immediate liquidity. The company earns fees based on the volume and tenor of factored invoices. Both factoring con recursos (with recourse) and factoring sin recursos (without recourse) are offered, with the factor assuming the credit risk of the debtor in the latter case.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Banpro Factoring Perú acquires negotiable invoices from Peruvian companies, advancing cash against accounts receivable so businesses can convert credit invoices (with 15-120 day payment terms) into immediate liquidity. The company offers both factoring with recourse (factoring con recursos) and factoring without recourse (factoring sin recursos), processing invoices through a digital pre-qualification, electronic contract signing, and same-day disbursement workflow, with registration of invoices via CAVALI's Factrack platform.

Product overview

Banpro Factoring Perú is a specialized factoring company offering a single core product line focused on national factoring services for MIPYMES in Peru. The main offering is Factoring Nacional, which comes in two variants: Factoring con Recursos (with recourse) and Factoring sin Recursos (without recourse). The service operates through a digital 3-step process: Precalificación, Digital Contract Signing, and Invoice Submission for Advance Payment. Banpro connects with CAVALI's Factrack platform for invoice registration and works with five major Peruvian banks (BCP, Interbank, BBVA, Scotiabank, Banbif) for disbursements. Currently only negotiates national (domestic) invoices, not international factoring.

Differentiator

Problem solved

Functional benefit

Products and services

• Factoring Nacional Core factoring service allowing companies to convert their accounts receivable (negotiable invoices) into immediate liquidity. Banpro advances payment for invoices within 24 hours of approval and disburses on the same day, serving companies across services, commerce, manufacturing, fishing, mining, agriculture, and construction sectors.
• Factoring con Recursos Factoring with recourse variant in which, if the debtor (invoice payer) fails to pay, Banpro can claim payment from the invoice issuer (client).
• Factoring sin Recursos Factoring without recourse variant in which, if the debtor fails to pay, Banpro assumes the credit risk and cannot claim payment from the invoice issuer.
• Precalificación (Online Pre-Qualification) Online pre-qualification process where prospective clients register their data through the website form to begin the factoring relationship, followed by digital document submission, electronic contract signing, and invoice submission for advance payment.

Quantifiable outcome

• Approval in under 24 hours
• +2 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

Integration9 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• CAVALI (Institución de Compensación y Liquidación de Valores)coreTechnology or IntegrationCAVALI operates the centralized registry for negotiable invoices (Factrack platform) in Peru. Banpro uses CAVALI's Factrack platform to register and manage negotiable invoices, which is a mandatory step in the factoring process. CAVALI's registry provides the legal merit that enables enforceable factoring operations.
• APEFAC (Asociación Peruana de Empresas de Factoring)coreOthersBanpro is a registered member of APEFAC, the Peruvian Factoring Association, demonstrating regulatory compliance and industry standing.
• SBS (Superintendencia de Banca, Seguros y AFP)coreTechnology or IntegrationBanpro is a registered and supervised entity under the SBS, Peru's banking, insurance, and pension fund regulator. This regulatory oversight is mandatory for operating as a factoring entity.
• UIF (Unidad de Inteligencia Financiera)coreTechnology or IntegrationBanpro is supervised by the UIF in matters of anti-money laundering (AML) and counter-terrorism financing (CTF) prevention, as required for financial entities operating in Peru.
• SUNAT (Superintendencia Nacional de Administración Tributaria y Aduanas)coreTechnology or IntegrationSUNAT oversees electronic invoice compliance and the conformity process for negotiable invoices. The factoring process relies on SUNAT's electronic invoice system as part of the Know Your Customer and invoice verification workflow.
• BCP (Banco de Crédito del Perú)minorOthersBCP is one of the primary banks used by Banpro for disbursements to clients and collections from debtors in factoring operations.
• BBVAminorOthersBBVA is one of the banks used by Banpro for disbursements to clients and collections from debtors.
• ScotiabankminorOthersScotiabank is one of the banks used by Banpro for disbursements to clients and collections from debtors.
• InterbankminorOthersInterbank is one of the banks used by Banpro for disbursements to clients and collections from debtors.
• BanbifminorOthersBanbif is one of the banks used by Banpro for disbursements to clients and collections from debtors.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Resolve: US-based B2B trade credit and invoice financing platform enabling suppliers to convert receivables to immediate payment. Comparable as a digital-first invoice-financing fintech focused on the SMB/supplier side of the credit equation, though operating in a different geography.
• BlueVine: US fintech offering invoice factoring and lines of credit to small businesses with a fully digital onboarding flow. Comparable as a digital-first SME invoice-financing platform, but operating in the US market and offering a broader product suite than pure factoring.

Broad incumbents

• Mercado Crédito: LATAM fintech credit arm of MercadoLibre extending working-capital loans and seller financing to SMBs across the region. Comparable as a digitally native alternative-credit provider for small businesses in LATAM, though broader than invoice discounting.
• Scotiabank Perú: Major Peruvian commercial bank with factoring offerings for corporate and SME segments. Listed as one of Banpro's disbursement/collection banking partners; competes on factoring in the same Peruvian market from a bank balance sheet, leveraging cross-sell with treasury and lending products.
• Banco de Crédito del Perú (BCP): Peru's largest commercial bank, which offers factoring services to corporate and SME clients. Direct competitor in the Peruvian factoring market, with materially lower funding costs and broader balance-sheet capacity, though factoring represents a small slice of its product mix versus Banpro's pure-play focus.
• Interbank Perú: Peruvian commercial bank offering factoring to SMEs and corporates; also listed as one of Banpro's partner banks for disbursement. Competing incumbent bank with diversified revenue streams but with a specialized factoring offering that overlaps Banpro's MIPYME target market.
• BBVA Perú: Major Peruvian commercial bank and one of Banpro's listed disbursement partners, also offering factoring products to its SME and corporate clients. Competes in the same national factoring market from a deposit-funded bank balance sheet, with broader product portfolio (deposits, treasury, FX) outside factoring.

Regional players

• Konfío: Mexican fintech providing working capital and credit solutions to small and medium businesses. Comparable as a LATAM non-bank SME financing platform built on alternative data underwriting, though primarily Mexico-focused and offering broader products than pure invoice factoring.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/banpro-factoring-peru

Compliance4 records

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 Banpro Factoring Perú