PENTÁGONO, S.A. DE C.V.

What PENTÁGONO, S.A. DE C.V. does

Pentágono S.A. de C.V. is a privately held El Salvadoran non-bank financial services company founded in 1988 and headquartered in San Salvador. It provides financing exclusively to MIPYMES (micro, small, and medium enterprises) through five core products: Factoraje (accounts receivable factoring), Factoraje Regional (export invoice factoring for cross-border credit sales), Créditos Decrecientes (fixed-installment term loans), Créditos Rotativos (revolving credit lines), and Leasing (financial leasing of assets). The company states it is the only financial entity in El Salvador exclusively specialized in the productive sector.

The business operates on a sales-led, relationship-driven GTM model targeting Salvadoran MIPYMES, supported by a digital presence that includes a corporate website, a self-service client portal (Mi Cuenta), an interactive financing calculator, and WhatsApp Business for direct client communication. Revenue is generated through transaction fees on factoring operations and recurring interest/rental payments on credit and leasing products. The company accesses funding through a diversified base of national and international funders, cooperation organisms, and—per its own statements—by issuing commercial paper on the Bolsa de Valores de El Salvador. Its core technology stack is not publicly disclosed, and no API, SDK, or digital application is offered.

Pentágono relies on a small team (27 employees) and a client base spanning general trading, manufacturing, retail, and automotive services, with documented client relationships lasting up to 30 years. The firm emphasizes same-day disbursement capability and personalized executive support as differentiators versus traditional banks. All operations are concentrated in El Salvador, with regional exposure limited to the Factoraje Regional export-invoice product line. The company is privately held, with no disclosed parent entity, subsidiaries, or institutional investors.

Name

PENTÁGONO, S.A. DE C.V.

Legal name

Pentágono S.A. de C.V.

Website

https://factorajepentagono.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

Pentágono S.A. de C.V. is a privately held El Salvadoran non-bank financial services firm founded in 1988 that exclusively finances MIPYMES through factoring, term loans, revolving credit, export factoring, and leasing products, accessing funding via local/international funders and the Salvadoran Stock Exchange.

Ownership category

akta.pro rank

Product category

SME Financing / Factoring Services

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• SME financing
• Accounts receivable factoring
• Working capital loans
• Equipment leasing
• Export factoring

Headquarters

HQ city

San Salvador

HQ country

El Salvador

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoraje (Factoring): Provides liquidity to MIPYMES through their accounts receivable from solid and reliable paying companies. Generates revenue through factoring fees charged on the ceded receivables.
2. Factoraje Regional (Regional Factoring): Provides liquidity for export invoices from credit sales to other countries. Revenue generated through transaction fees on international factoring operations.
3. Créditos Decrecientes (Decreasing Credits): Traditional loan product where clients receive a determined amount and repay through fixed installments of capital plus interest over a defined term.
4. Créditos Rotativos (Revolving Credits): Approved credit line allowing partial disbursements as needed, similar to a credit card in flexibility. Clients can reuse and repay partially or totally over time.
5. Leasing: Financial leasing where Pentágono purchases an asset and grants the client (lessee) use and enjoyment through rental payments.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Pentágono is a non-bank financial services company that provides liquidity and productive financing to micro, small, and medium enterprises (MIPYMES) in El Salvador. Its core offerings include accounts receivable factoring (Factoraje and Factoraje Regional), fixed-installment loans (Créditos Decrecientes), revolving credit lines (Créditos Rotativos), and financial leasing (Leasing), with funding sourced from national and international funders and capital markets.

Product overview

Pentágono S.A. de C.V. offers a unified suite of five financial products designed exclusively for MIPYMES (micro, small, and medium enterprises) in El Salvador. The portfolio centers on three credit products—Factoraje (accounts receivable factoring), Factoraje Regional (export factoring), and two loan structures (Créditos Decrecientes for fixed installment loans and Créditos Rotativos for revolving credit facilities)—complemented by Leasing for equipment financing. The company positions itself as a non-bank financial partner, offering these products under favorable conditions as both a national lender and a securities issuer on the Salvadoran Stock Exchange.

Differentiator

Problem solved

Functional benefit

Products and services

• Factoraje A financial service that allows micro, small, and medium enterprises (MIPYMES) to obtain liquidity through their accounts receivable from a solid and reliable paying company. The MIPYME assigns its collection rights to Pentágono and receives immediate financing.
• Factoraje Regional A financial service that lets MIPYMEs obtain liquidity through export invoices for credit sales made to other countries. Once merchandise shipment is confirmed, the MIPYME can assign collection rights to Pentágono and obtain financing for the export.
• Créditos Decrecientes A traditional loan in which the borrower receives a determined amount of money and commits to repaying it over a determined term through fixed installments of capital plus interest.
• Créditos Rotativos A loan facility where a determined amount of funds is approved, allowing the borrower to request partial disbursements as needed. The line can be used repeatedly and reimbursed partially or totally over time, functioning similarly to a credit card in flexibility.
• Leasing A financial leasing arrangement in which Pentágono S.A. de C.V. purchases an asset and, for a rental fee, grants the lessee (client) the use and enjoyment of that asset.

Quantifiable outcome

• 30-year continuous relationship with some clients
• +1 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Banco Industrial: El Salvador's largest commercial bank, offering working-capital and SME credit products. Operates broadly across retail, commercial, and corporate banking rather than specializing in the productive-sector MIPYME niche.
• Banco Davivienda El Salvador: Colombian bank with full Salvadoran operations, offering SME and corporate lending products. A broad incumbent whose SME and factoring-adjacent offerings overlap with Pentágono's market.
• Banco Cuscatlán: Salvadoran commercial bank offering consumer, SME, and corporate financing. A broad incumbent in the same El Salvador credit market where Pentágono operates.
• Banco Promerica: Central American regional bank group with operations in El Salvador. Provides commercial and SME credit products that overlap with Pentágono's target segment.
• Banco Agrícola: Major Salvadoran commercial bank (part of the Bancolombia group) providing consumer, SME, and corporate credit. Competes with Pentágono for SME working-capital business but operates as a diversified incumbent rather than a productive-sector specialist.

Emerging players

• Konfío: Mexico-based fintech providing working-capital loans and credit products to SMEs. Comparable in its MIPYME/SME working-capital focus, but operates at much larger scale and in a different geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/FactorajePentagono
• Instagraminstagram.com/pentagono.sv
• LinkedInlinkedin.com/company/pent%C3%A1gono-s-a-de-c-v

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 PENTÁGONO, S.A. DE C.V.