El Clan - Fondos Colectivos

What El Clan - Fondos Colectivos does

El Clan - Fondos Colectivos is a Peruvian Empresa Administradora de Fondos Colectivos (EAFC) headquartered at Av. Javier Prado 4497, Santiago de Surco, Lima. Founded and SMV-licensed in 2017 via Resolución de Superintendente N° 051-2017-SMV/02, the company operates under direct supervision of Peru's Superintendencia del Mercado de Valores. El Clan's sole commercial product is 'El Clan Automotriz', a collective-fund vehicle financing scheme in which associates purchase Certificates of Purchase valued between US$12,000 and US$24,000, pay a one-time inscription fee of 4% + IGV plus monthly quotas of US$176.55 to US$353.10 over terms of up to 80 months, and become eligible to be awarded a vehicle (sedan, pickup, or commercial vehicle) through monthly assemblies conducted either in person or virtually via YouTube Live. Vehicles are assigned either by lottery (sorteo) or by auction (remate), with auction winners paying the auction amount within three days of notification. The product's positioning is targeted at Peruvian individuals who want to acquire a new vehicle without depleting savings, paying a traditional down payment, or affecting their credit capacity in the formal financial system.

The company's revenue model has three documented streams: recurring monthly quotas from active associates (subscription-style recurring revenue), one-time inscription fees paid at enrollment (effectively 4.72% of certificate value), and auction/remate transaction fees captured when associates win their certificate through the auction mechanism instead of the lottery. Customer acquisition is executed through a sales-led, direct-to-consumer motion: prospective members submit web-based information requests via elclan.pe, sales executives (Ejecutivos de Ventas) follow up, and enrollment is completed through branch offices. The distribution footprint consists of four staffed locations — three in Lima (Santiago de Surco headquarters, Mall Aventura Santa Anita, Metro Hacienda San Juan de Lurigancho) and one regional branch in Trujillo — supported by a publicly searchable network of authorized sales representatives locatable by surname or DNI/CE.

The underlying technology surface is deliberately modest: a corporate website for marketing and lead capture, a member extranet (extranet.elclan.pe) for associate self-service, and YouTube Live for streaming monthly assemblies. There is no mobile app, no public API, and no disclosed AI/ML capability. The company is 100% Peruvian-capital, privately held, and has no parent company, subsidiaries, or external funding rounds recorded; ownership is locally independent. Operations have remained stable since SMV authorization, with the workforce sized at 91 employees as of the most recent disclosure.

Name

El Clan - Fondos Colectivos

Legal name

El Clan - empresa administradora de fondos colectivos (EAFC)

Website

https://elclan.pe

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

El Clan - Fondos Colectivos is a Peruvian-regulated (SMV) Empresa Administradora de Fondos Colectivos that finances individual consumers' acquisition of new vehicles through collective savings groups. Associates purchase US$12,000–US$24,000 certificates, pay monthly quotas up to 80 months, and receive vehicles via monthly lottery or auction assemblies.

Ownership category

akta.pro rank

Product category

Collective Savings Vehicle Financing

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

Keywords

• Collective fund financing
• Vehicle acquisition financing
• Savings group plans
• Fondos colectivos Peru
• Automotive savings programs

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Quotas: Associates pay monthly quotas based on their purchase certificate value (ranging from US$12,000 to US$24,000) over a period of up to 80 months. The monthly quota includes the capital portion plus administrative fees and insurance once vehicle is delivered.
2. Inscription Fee: One-time inscription fee equivalent to 4% plus IGV (18% VAT) of the purchase certificate value, paid upon enrollment as an associate.
3. Auction/Remate Fees: When associates win their certificate through auction (remate) instead of lottery, they must pay the auction amount within 3 days of notification.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

El Clan operates a collective fund (fondo colectivo) vehicle financing scheme in which individual associates enroll by selecting a Certificate of Purchase (US$12,000 to US$24,000), pay an inscription fee (4% plus IGV) plus monthly quotas for up to 80 months, and are awarded a new vehicle at monthly assemblies either by lottery (sorteo) or auction (remate). The product is offered under SMV supervision and structured so that no traditional down payment is required and the member's credit capacity in the financial system is not affected.

Product overview

El Clan - Fondos Colectivos operates as a single-product company offering collective fund financing (fondos colectivos) for vehicle acquisition. The core offering is El Clan Automotriz, a savings-based vehicle financing program where participants contribute monthly quotas toward a Certificate of Purchase and receive their vehicle through assembly-based adjudication (lottery or auction). The company is supervised by SMV (Superintendencia del Mercado de Valores) and offers certificates ranging from US$12,000 to US$24,000 with 80-month payment terms.

Differentiator

Problem solved

Functional benefit

Products and services

• El Clan Automotriz Collective savings group (fondo colectivo) financing product for the acquisition of new vehicles in Peru. Associates enroll by selecting a Certificate of Purchase (US$12,000 to US$24,000), pay a one-time inscription fee (4% plus IGV) and recurring monthly quotas for up to 80 months, and are awarded a vehicle at monthly assemblies either by lottery (sorteo) or auction (remate). Targeted at individual consumers who do not want to make a traditional down payment or affect their credit capacity.

Quantifiable outcome

• Payment terms up to 80 months allow members to spread vehicle cost over nearly 7 years
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• GM Financial Peru: GM Financial provides dealer-aligned consumer auto loans for Chevrolet and other brands in Peru. Its installment financing is a comparable vehicle-acquisition alternative to El Clan's collective fund model.
• Scotiabank Peru: Scotiabank Peru offers auto loans and consumer credit products. It competes for the same end consumer with traditional credit-underwriting approaches, providing an alternative to El Clan's no-down-payment savings scheme.
• Banco de Crédito del Perú (BCP): Peru's largest bank offers auto loans with installment payment options. While its loan underwriting approach differs from El Clan's collective-fund model, BCP targets the same end customer seeking vehicle financing.
• RCI Banque (Renault): RCI Banque is the captive finance arm of the Renault-Nissan alliance, active in several Latin American markets. As a broader auto financier, it competes for the same vehicle-financing customer in Peru and the region.
• Banco Ripley Peru: Banco Ripley Peru focuses on consumer credit, including vehicle financing, for middle-income Peruvian consumers. Its installment loan products overlap with El Clan's target buyer.
• Interbank Peru: Interbank provides consumer credit and auto loans through partnerships with vehicle dealers. It is a traditional financing alternative to El Clan's collective fund offering for the same Peruvian buyer profile.
• Toyota Financial Services Peru: Toyota's captive finance arm in Peru offers standard auto loans and leasing for new Toyota vehicles. It competes indirectly by capturing price-sensitive buyers who could otherwise use El Clan's collective fund to purchase a Toyota.

Direct peers

• Mitsui Auto Finance Peru: Mitsui Auto Finance operates vehicle financing in Peru, including structured savings and installment plans for individuals. It competes with El Clan for the same Peruvian vehicle-buyer segment, particularly via dealer-arranged financing.
• Plan Rombo: Plan Rombo is a well-known Argentine collective savings scheme (sistema de ahorro previo) for vehicle acquisition, operating under a structure similar to El Clan's fondos colectivos: members pay monthly cuotas and are awarded vehicles through sorteos. It is the closest international analog to El Clan's business model.

Others

• COFIDE (Corporación Financiera de Desarrollo): COFIDE is Peru's development finance institution, channeling credit to vehicle and equipment financing through partner banks and entities. It is an ecosystem participant that shapes the broader auto-finance supply El Clan and its peers operate in.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/El-Clan-Fondos-Colectivos-793709974129801
• LinkedInlinkedin.com/company/elclan-fondoscolectivos

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 El Clan - Fondos Colectivos