What Solvento Phils., Inc. does

Solvento is a Mexican fintech, operating through the regulated entity Bocav, S.A.P.I. de C.V., SOFOM E.N.R., that provides AI-powered financial infrastructure for Mexico's logistics industry. The platform addresses severe working capital gaps in a market where 200,000+ small and medium transportistas are trapped in 30-60-90 day payment cycles despite moving approximately $1 trillion USD in goods annually. It serves four primary segments — shippers/cargo owners, transportistas (carriers), freight brokers/3PL operators, and enterprise logistics companies — across verticals including retail, distribution, chemicals, mining, water infrastructure, and last-mile delivery.

The platform combines three credit products with a market intelligence module. QuickPay advances instant 24/7 payment to carriers while shippers repay on extended terms of up to 90 days; Working Capital pays suppliers 100% of invoice value today with 15-60 day repayment; Adela provides revolving credit lines up to $1.5M MXN accessible in seconds without invoice upload; and Terminal delivers real-time logistics market rate benchmarks and capacity pressure signals. Underlying technology includes direct integration with SAT (Mexico's tax authority) for automated fiscal verification, AI-driven credit risk models combining bank statements, accounting, billing, and third-party credit/financial/tax data, biometric identity verification, and a WhatsApp-based NLP assistant.

Revenue is generated from interest on credit facilities (starting at 1.5% monthly, equivalent to roughly 18% annually) and from QuickPay early payment discounts where providers absorb 1.3-4% in exchange for immediate settlement. Distribution combines an enterprise field sales motion targeting large shippers and 3PLs with a self-serve platform (carriers.solvento.mx) for SMB operators, supported by a partner/broker referral network. Solvento is regulated by CNBV and CONDUSEF, holds ISO/IEC 27001:2022 certification, and in February 2026 closed a $25 million financing round with BBVA Spark.

Name

Solvento Phils., Inc.

Legal name

Bocav, S.A.P.I. de C.V., SOFOM E.N.R.

Website

https://solvento.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Solvento is a Mexican fintech providing AI-powered financial infrastructure for the logistics industry, offering credit products (QuickPay, Working Capital, Adela) and market intelligence (Terminal) to shippers, transportistas, and 3PL operators in Mexico.

Ownership category

akta.pro rank

Product category

Logistics Fintech / Supply Chain Finance

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

Keywords

• Logistics financing
• Carrier credit lines
• Freight invoice factoring
• Transport working capital
• Embedded logistics fintech

Headquarters

HQ city

Ciudad de México

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Interest on Credit Facilities: Revenue generated from interest charges on credit lines extended to transportistas and logistics companies. Adela product charges from 1.5% monthly rate on disbursements. Working Capital charges 1.5-4% monthly on financed amounts. Interest accrues during the chosen repayment period.
2. QuickPay Early Payment Discounts: When transportistas choose to receive early payment through QuickPay, they pay a discount (1.5% monthly rate, approximately 1.3-4% depending on terms). Shippers pay the full invoice amount at extended maturity. Revenue comes from the discount spread.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Solvento provides AI-powered financial infrastructure for Mexico's logistics industry, offering credit products (QuickPay for instant carrier payment with extended shipper terms up to 90 days; Working Capital for 15-60 day operational financing; Adela revolving credit up to $1.5M MXN without invoice upload) plus Terminal market intelligence. The platform integrates with Mexico's SAT tax authority for automated invoice verification and uses AI credit models to serve shippers, carriers, 3PLs, and freight brokers.

Product overview

Solvento is a unified platform providing AI-powered financial infrastructure for Mexico's logistics industry, consisting of three core credit products (QuickPay, Working Capital, and Adela) plus a market intelligence module (Terminal). QuickPay enables early payment to carriers with extended client repayment terms; Working Capital provides revolving credit lines for operational expenses with 15-60 day repayment; Adela offers invoice-free revolving credit for transportists; and Terminal delivers real-time market rate intelligence. All products operate through a single integrated platform with SAT integration for automated invoice verification.

Differentiator

Problem solved

Functional benefit

Brands

• QuickPay: Product enabling immediate payment to carriers - the company advances payment to transporters and the client liquidates within agreed timelines.
• Working Capital
• Adela

Products and services

• QuickPay Early payment solution for carriers that enables instant 24/7 payments to transportistas while extending payment terms for the client up to 90 days. Solvento advances payment to the carrier and the client repays on their agreed timeline, with provider discounts of 1.5% monthly (range 1.3-4%). For shippers and brokers, they pay the full invoice amount at extended maturity (minimum 15 days, extendable to 90 days). Credit line available up to 2x monthly freight spending.
• Working Capital Working capital financing that pays suppliers 100% today with flexible repayment terms of 15 to 60 days. A revolving credit line up to $1.5M MXN for daily operational expenses including fuel, freight, tolls, maintenance, and storage. Estimated rate of 1.5% monthly with final rate depending on credit profile. Includes real-time reports, agile approval, and consolidated same-cycle disbursements.
• Adela Revolving credit line that allows transportistas to dispose of funds in seconds directly from dashboard without submitting invoices. Up to $1.5M MXN revolving line with 100% advance, no opening fee, no annual fee, and rates starting from 1.5% monthly. Repayment terms up to 30 days with consolidation of same-cycle disbursements into a single payment. Interest calculated based on draw amount and days used.
• Terminal Real-time logistics market intelligence platform providing dynamic benchmarks, daily market information, capacity pressure detection, and tariff inflation monitoring for companies with transport contracts. Enables proactive negotiation and operational planning based on current market data.

Quantifiable outcome

• Transportistas receive payment in minutes vs 30-90 days under traditional terms
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Kueski: Mexican fintech providing consumer and SMB credit products using alternative data underwriting. Comparable as a Mexican alternative-data lender, though more consumer-tilted.
• Konfío: Mexican SMB lending fintech offering working capital and credit lines to small businesses. Most directly comparable to Solvento's lending model, although not specifically focused on logistics.
• Stori: Mexican credit-card fintech serving underbanked consumers and SMBs with AI-driven underwriting. Comparable as a Mexican AI-credit fintech serving thin-file customers.
• Clara: Mexico-based corporate card and expense-management fintech with embedded credit for SMBs. Comparable in customer segment (Mexican SMBs) and credit-underwriting approach.

Emerging players

• Taulia: Supply-chain finance / early-payment platform allowing buyers to extend terms and suppliers to get paid early. Direct product overlap with Solvento's QuickPay, though Taulia operates in larger, multi-country enterprise contexts.
• C2FO: Global working-capital marketplace letting suppliers get paid early by their buyers at a discount — direct functional analog to QuickPay, serving as a benchmark for the dynamic-discount model Solvento uses.
• Tribal: Emerging SMB credit fintech operating across LatAm, including Mexico, providing lines of credit to underserved businesses. Comparable emerging-market SMB lender, though without logistics specialization.

Broad incumbents

• Mercado Pago: Large LatAm fintech offering merchant credit, working capital, and payment infrastructure across Mexico. Adjacent competitor with massive SMB distribution but no logistics specialization.
• BBVA México: Mexico's largest bank and Solvento's recent investor (via BBVA Spark). Offers supply-chain financing, factoring, and SMB credit at scale — the broad incumbent whose balance sheet could compete with Solvento's niche offering.
• Banorte: One of Mexico's largest commercial banks with factoring, leasing, and supply-chain finance products for SMBs and corporates — competes broadly for the same logistics customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/solvento-phils.-inc.

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Solvento Phils., Inc.