Interplan S.A de Ahorro para fines determinados

What Interplan S.A de Ahorro para fines determinados does

Interplan S.A. de Ahorro para fines determinados is an Argentine closed-group savings-plan ("plan de ahorro previo") administrator founded December 12, 1985 and headquartered at Bernardo de Irigoyen 236 in Buenos Aires. The company operates within the regulatory perimeter of the Inspección General de Justicia (IGJ), which authorizes it to administer group savings schemes where members make scheduled contributions (monthly, quarterly or semi-annual) and are awarded either money or specific goods through monthly public adjudication acts (sorteos or licitaciones). Plan types historically include passenger vehicles (JAC, Chery, DFSK, Iveco), agricultural machinery (John Deere), real estate (bienes inmuebles), and other movable goods and services, with corresponding product launches authorized under IGJ Resolutions 433/2004, 50/2008 and 14/2020.

Subscribers do not borrow from Interplan; they accumulate equity within a closed group until their share is large enough to receive the targeted good, or until they exit and recover a discounted lump sum. The company's revenue mechanics are threefold: (i) Derecho de Suscripción, a one-time subscription/entrance fee; (ii) Carga Administrativa, a recurring percentage applied to the mobile value of the contracted good, plus insurance-related charges passed through per month. Distribution is delivered through manufacturer-affiliated dealer networks—notably 26 John Deere dealers and 18 JAC dealers nationwide—rather than direct-to-consumer marketing.

Interplan is a privately held sociedad anónima with a small administrative staff (≈14 employees) and is governed exclusively by IGJ, with no stock-market listing, external funding rounds, or disclosed financial statements. Recent operational posture reflects adaptation to Argentina's macro stress: under IGJ Resolutions 17/2024 and 21/2024, the company participates in industry-wide deferment regimes allowing subscribers to defer 20% of monthly installments. Subscriber servicing is supported by an online portal, email/WhatsApp adjudication notifications, and a nationwide bill-payment collection network (GIRE/SEPSA Pago Fácil, Pago Mis Cuentas). The firm is a member of CAPA (Cámara Argentina de Planes de Ahorro).

Name

Interplan S.A de Ahorro para fines determinados

Legal name

Interplan S.A. de Ahorro para Fines Determinados

Website

https://interplan.com.ar

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Interplan S.A. is a Buenos Aires-based Argentine closed-group savings-plan administrator, founded in 1985 and IGJ-regulated, that runs subscription-based plans for purchasing vehicles, agricultural machinery, real estate, and other goods through monthly public adjudications delivered via manufacturer-affiliated dealer networks.

Ownership category

akta.pro rank

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Savings plan subscription fees: Interplan generates revenue primarily through subscription fees (Derecho de Suscripcion) charged when customers subscribe to savings plans. These fees vary by plan - for example, JAC plans charge $1,213,361.73 plus stamp duty, while John Deere plans have $0 subscription fee (bonified by manufacturer). Additional revenue comes from administrative charges calculated on the mobile value of the goods.
2. Administrative and insurance fees: Recurring administrative charges (Carga Administrativa) and insurance fees are collected as part of each installment payment. For example, the JAC JAG1 plan includes $11,880,060.28 in administrative charges and $9,126,644.39 in taxes and life insurance. These fees are calculated on the mobile value of the subscribed goods and form a steady revenue stream throughout the plan lifecycle.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Interplan S.A. administers closed-group pre-savings plans (planes de ahorro previo) in Argentina, where subscribers make recurring fixed installments into a collective pool and are awarded either money or a specific product (vehicle, agricultural equipment, real estate, appliances, or services) through monthly public adjudication by lottery (sorteo) or bidding (licitación). The company operates under multiple Inspección General de Justicia (IGJ) resolutions, partners with manufacturers including John Deere, JAC, Chery, Iveco, and DFSK, and uses an online portal for subscriber account management. Plans range from 10 to 120 months and carry no interest charges.

Product overview

Interplan S.A. de Ahorro para Fines Determinados operates a savings plan administration platform offering two main product lines: plans that award money for purchasing movable goods, services, and real estate, and plans that award specific products directly. The money-based plans provide funds for automobiles, trucks, machinery, and property purchases. The product-based plans partner with major manufacturers including John Deere (agricultural tractors and equipment), JAC (vehicles), Chery (automobiles), Iveco (trucks and buses), and DFSK (utilities). The company administers plans through its Interplan Online platform where subscribers can manage their accounts, check debt status, and print payment coupons across all affiliated brands.

Differentiator

Problem solved

Functional benefit

Products and services

• John Deere Tractors and Agricultural Equipment Savings Plans

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

41 partnerships are on record, tiered core and minor.

• Industrias John Deere Argentina S.A.coreStrategic or Co-development PartnerStrategic manufacturer partnership for agricultural equipment savings plans (tractors, combine harvesters, rotoenfardadoras). John Deere sponsors the plans and delivers products through its authorized dealer network. The manufacturer bonifies subscription rights and part of administrative expenses. Plans are adjudicated quarterly or semi-annually.
• CHERY SOCMA Argentina S.A.coreStrategic or Co-development PartnerManufacturer partnership for Chery automotive savings plans (CheryPlan). Monthly installment payments. First installment paid to Interplan or to the dealer who remits to Interplan for approval.
• ASTRACK S.A. (automotores JAC)coreStrategic or Co-development PartnerManufacturer partnership for JAC automotive savings plans. The importer finances subscription rights over 10 installments and stamp duty over 9 installments. 18 authorized dealers across Argentina handle subscriptions and product delivery.
• IVECO Argentina S.A.coreStrategic or Co-development PartnerManufacturer partnership for Iveco truck, bus, van, and chassis savings plans. Monthly installment payments. First installment paid to Interplan or to the dealer who remits to Interplan for approval.
• SIDEQUIP Argentina S.A.minorStrategic or Co-development PartnerManufacturer partnership for DFSK utility vehicle savings plans. First installment paid to Interplan or to the dealer who remits to Interplan for approval.
• Banco de GaliciaminorOthersBanking partner for collection and deposit of savings plan funds.
• Banco de la Nación ArgentinaminorOthersBanking partner for collection and deposit of savings plan funds.
• Banco de la Provincia del ChubutminorOthersProvincial banking partner for collection and deposit of funds.
• Banco de la Provincia de CórdobaminorOthersProvincial banking partner for collection and deposit of funds.
• Banco de la Provincia de MisionesminorOthersProvincial banking partner for collection and deposit of funds.
• Banco de Mendoza S.A.minorOthersProvincial banking partner for collection and deposit of funds.
• Banco de Río NegrominorOthersProvincial banking partner for collection and deposit of funds.
• Banco de San Luis S.A.minorOthersProvincial banking partner for collection and deposit of funds.
• Banco de Santa Fe S.A.minorOthersProvincial banking partner for collection and deposit of funds.
• Banco FrancésminorOthersBanking partner for collection and deposit of savings plan funds.
• Banco HSBCminorOthersBanking partner for collection and deposit of savings plan funds.
• Banco MacrominorOthersBanking partner for collection and deposit of savings plan funds.
• Banca Nazionale del LavorominorOthersBanking partner for collection and deposit of savings plan funds.
• GIRE S.A. (Rapipago)minorOthersCollection network partner for bill payment services across Argentina.
• SEPSA (Pago Fácil)minorOthersCollection network partner for bill payment services across Argentina.
• Inspección General de Justicia (IGJ)coreOthersRegulatory oversight body that authorizes, regulates, and supervises Interplan's operations. IGJ approvals are required for all plan types offered. Monthly adjudication acts are controlled by IGJ. Interplan operates under multiple IGJ resolutions including Res. IGJ 433/04, Res. IGJ 50/08, Res. IGJ 1185/96, Res. IGJ 1041/05, Res. IGJ 88/09, Res. IGJ 196/96, Res. IGJ 435/02, and Res. IGJ 1471/13.
• Cámara de Ahorro Previo Automotores (CAPA)minorOthersIndustry association representing savings plan administrators in Argentina. Interplan participates as a member, and CAPA has engaged with IGJ on regulatory matters affecting the industry including deferral programs and consumer protection measures.
• B.S.H. Electrodomésticos S.A. (BOSCH)minorStrategic or Co-development PartnerWhite goods manufacturer partnership for household appliances savings plans (BOSCH and CONTINENTAL brands).
• ALFOMBRAS ATLÍNTIDA S.A.minorStrategic or Co-development PartnerCarpet and curtain manufacturer for household goods savings plans.
• CLOVERY S.A.minorStrategic or Co-development PartnerMotorcycle and scooter manufacturer for mobility savings plans.
• COPISAminorStrategic or Co-development PartnerJacket and leather coat manufacturer for apparel savings plans.
• CRESPO S.A.minorStrategic or Co-development PartnerAir conditioning manufacturer for home comfort savings plans.
• DISTRIBUIDORA SHOPPING S.R.L.minorStrategic or Co-development PartnerGas equipment manufacturer for TOMASETTO-ACHILLE automotive gas conversion systems savings plans.
• ERNESTO SÁNCHEZ S.A.minorStrategic or Co-development PartnerHome furniture manufacturer for furniture savings plans.
• HEWLETT PACKARD Argentina S.R.L.minorStrategic or Co-development PartnerComputing equipment manufacturer for computer savings plans.
• KENIA - SHARP S.A.minorStrategic or Co-development PartnerAppliance manufacturer for household appliance savings plans.
• KRONEN INTERNACIONALminorStrategic or Co-development PartnerRefrigerator and washing machine manufacturer for white goods savings plans.
• LIBERTAD S.A.minorStrategic or Co-development PartnerDepartment store providing purchase orders for appliance savings plans.
• MAZZOCHI S.A.minorStrategic or Co-development PartnerHome furniture manufacturer for furniture savings plans.
• MUSTANG S.A.minorStrategic or Co-development PartnerAudio equipment manufacturer for radio and music equipment savings plans.
• PHILIPS Argentina S.A.minorStrategic or Co-development PartnerAppliance manufacturer for household appliance savings plans.
• PIRELLI Neumáticos S.A.minorStrategic or Co-development PartnerTire manufacturer for automotive parts savings plans.
• RANDON Argentina S.A.minorStrategic or Co-development PartnerTrailer and semitrailer manufacturer for transportation equipment savings plans.
• RODRÍGUEZ S.R.L.minorStrategic or Co-development PartnerHome furniture manufacturer for furniture savings plans.
• VARIG - CRUZEIRO S.A.minorStrategic or Co-development PartnerAirline for tourism services savings plans (passages and tourism services).
• VIASILminorStrategic or Co-development PartnerLeather goods manufacturer for leather jacket and accessory savings plans.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Brubank: Argentine digital neobank offering consumer credit, personal loans, and digital wallets. Represents the emerging fintech alternative to traditional savings plans for credit-underserved Argentine consumers.
• Ualá: Argentine fintech offering prepaid cards, consumer credit, and financial-inclusion products to underbanked segments. Targets a similar consumer profile to Interplan subscribers but with a digital-first model.

Broad incumbents

• Banco de Galicia: Major Argentine private bank offering consumer credit, auto loans, and mortgage products. Acts as both a collection rail and a competing financing provider for the same target consumers Interplan serves.
• Mercado Pago: Largest Argentine fintech ecosystem offering payments, consumer credit, BNPL, and asset management. Provides a broad alternative channel for consumer financing that competes indirectly with Interplan's interest-free savings model.

Direct peers

• Plan Ford Argentina: Ford's affiliated savings plan channel in Argentina for passenger vehicles and light commercial trucks. Identical planes de ahorro mechanics, competing for the same Argentine consumer credit-constrained buyer.
• Plan Chevrolet (GM Argentina savings plans): Manufacturer-affiliated savings plan channel for Chevrolet vehicles in Argentina, using the same closed-group adjudication mechanics. Competes head-to-head with Interplan for automotive and light-commercial subscribers.
• Plan Volkswagen Argentina: Volkswagen's manufacturer-affiliated planes de ahorro in Argentina for passenger vehicles. Uses the same IGJ-supervised monthly lottery/bidding structure and competes for the same consumer vehicle-acquisition demand.
• Plan Rombo: Argentine closed-group savings plan administrator historically affiliated with Renault vehicles. Operates the same planes de ahorro model with monthly adjudication and OEM-backed product delivery, directly competing for vehicle-financing subscribers in Argentina.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@InterplanMKT/streams
• LinkedInlinkedin.com/company/interplan-s.a-de-ahorro-para-fines-determinados

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 Interplan S.A de Ahorro para fines determinados