boldcf

What boldcf does

Bold CF (legally Bold CF Compañía de Financiamiento S.A.) is a Colombian regulated financing company headquartered in Bogotá that operates a vertically integrated financial services platform for small and medium businesses, entrepreneurs, and individuals. Founded in 2021 and supervised by the Superintendencia Financiera de Colombia with Fogafín-backed deposit insurance, the company bundles a free digital deposit account (Cuenta Digital Bold), a Mastercard business debit card, POS terminals (Datáfonos), QR and audio-confirmed QR payments (QR Bold, SonoQR), payment links (Link de pago), an online checkout and gateway (Botón de pagos, Pasarela de pagos), an e-commerce storefront builder, and electronic invoicing inside a POS system. It also offers savings products (Bolsillos at 10% E.A., CDT at 12.5% E.A.) and a flexible credit line (Créditos), plus public-facing APIs for payment links and online payments.

The underlying technology stack relies on Colombian payment rails—PSE for bill payments and recharges, ACH for bank transfers, and Bre-B for 24/7 instant transfers—alongside card network tokenization through Mastercard, Google Pay, and Apple Pay for in-store and contactless acceptance, with cardless cash withdrawal at Efecty and cash deposit at Banco de Bogotá branches extending physical access. Distribution is digital-first through a mobile app (iOS, Android, AppGallery) and self-serve web onboarding, supplemented by WhatsApp-based inside sales and a direct sales motion for merchants processing more than COP$20 million per month. Reported scale includes 600,000+ businesses, 6.5 million+ monthly transactions, and over COP$1 billion in monthly processed volume, with revenue derived from a mix of POS hardware sales, payment transaction fees, and net interest margin on deposits and credit.

Name

boldcf

Legal name

Bold CF Compañía de Financiamiento S.A.

Website

https://boldcf.co

Company type

Private

Founded year

2021

Operating status

Operating

Short description

Bold CF is a Colombian regulated financing company offering a free digital business account, Mastercard debit card, POS terminals, QR payments, payment links, savings products, and credit, targeted at SMBs and entrepreneurs in Colombia.

Ownership category

akta.pro rank

Product category

Digital Banking & Merchant Payments

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

akta.pro secondary industries

Specialty Finance / Structured Credit (FSANADAE), BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)

Keywords

• Digital business banking
• Payment processing
• POS terminals
• QR payments
• SMB fintech

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. POS Terminal Sales and Transaction Fees: Revenue from point-of-sale terminal hardware sales and transaction processing fees on card payments.
2. Digital Payment Processing: Fees from QR payments, payment links, and online checkout processing for merchants.
3. Financial Products: Revenue from financial products including credit offerings and interest-bearing savings pockets.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Bold CF is a Colombian regulated financing company (Compañía de Financiamiento) that provides a 100% digital business account bundled with payment acceptance infrastructure for SMBs. The core offering combines a free business checking account with 10% E.A. interest savings pockets, a Mastercard business debit card, and a full suite of merchant payment tools including POS terminals, QR code payments, payment links, and an online payment gateway. The platform processes 6.5 million+ transactions per month for 600,000+ Colombian businesses.

Product overview

Bold CF is a Colombian financing company (Compañía de Financiamiento) regulated by the Superintendencia Financiera de Colombia, offering a comprehensive fintech ecosystem for small and medium businesses. The product portfolio centers on the Cuenta Digital Bold as the core platform, complemented by payment acceptance tools (Datáfonos, QR Bold, Link de pago, Pasarela de pagos), developer APIs (API Link de pago, API Pagos en línea), and a POS system with electronic invoicing. Savings products include Bolsillos (10% E.A.) and CDT (12.5% E.A.), alongside credit facilities and a free Mastercard business debit card. Payments flow through Colombian infrastructure including PSE, ACH, Bre-B, Google Pay, and Apple Pay.

Differentiator

Problem solved

Functional benefit

Brands

• Bold CF: Digital business account and financing services for Colombian businesses
• Bold Pagos
• Bold

Products and services

• Cuenta Digital Bold 100% digital business account providing Colombian SMBs with savings pockets earning 10% E.A., unlimited free transfers via Bre-B and ACH, a free Mastercard debit card, and instant QR payments.
• Datáfonos Card payment terminals (POS devices) designed for various business sizes and types, accepting card payments in physical stores across Colombia.
• QR Bold QR code payment solution enabling merchants to collect payments via QR codes with instant confirmation and settlement.
• SonoQR Audio-based QR payment confirmation system that announces payment receipt via voice alongside screen confirmation for merchant environments.
• Link de pago Payment link solution enabling online sales without requiring a website, shareable via messaging apps and social media.
• Botón de pagos Online payment button and checkout solution embedded into e-commerce websites.
• Pasarela de pagos Full payment gateway with checkout functionality for online stores and e-commerce platforms.
• API Link de pagos Developer API for integrating Bold payment links into third-party applications and platforms.
• API Pagos en línea Developer API for integrating Bold online payment processing into websites and applications.
• Sistema POS Point of sale system for controlling sales, managing inventory, and generating electronic invoices for merchants.
• Tarjeta Débito Business Free Mastercard business debit card with no monthly fees, providing exclusive benefits for businesses and entrepreneurs, accepted globally at ATMs and Mastercard merchants.
• Bolsillos Savings pockets feature within the digital account offering 10% E.A. profitability on balances, allowing businesses to grow funds while maintaining access.
• CDT Term deposit investment product (Certificado de Depósito a Término) offering 12.5% E.A. returns with flexible access to earnings.
• Créditos Credit and flexible credit line product allowing businesses to access funds and repay based on sales volume.
• Tienda en línea Online store builder integrated with Bold payment solutions providing complete e-commerce functionality for merchants.

Quantifiable outcome

• 10% E.A. interest rate on savings pockets
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• MastercardcoreTechnology or IntegrationMastercard partnership enables Bold's debit cards for business payments, accepted at Mastercard merchants worldwide. The partnership provides access to Mastercard's global payment network for card transactions.
• Google PaycoreTechnology or IntegrationIntegration with Google Pay allows Bold cardholders to make contactless purchases from Android devices using Bold debit cards.
• Apple PaycoreTechnology or IntegrationIntegration with Apple Pay enables Bold cardholders to make contactless purchases from iPhone or Apple Watch using Bold debit cards.
• PSE (Pagos Seguros en Línea)coreTechnology or IntegrationIntegration with PSE allows Bold users to make bill payments and account recharges through the PSE payment network in Colombia.
• FogafíncoreOthersFogafín (Fondo de Garantías de Instituciones Financieras) provides deposit insurance protection for Bold CF accounts, ensuring deposits are secured up to regulatory limits.
• Superintendencia Financiera de ColombiacoreOthersGovernment regulatory body that supervises and regulates Bold CF as a financing company (Compañía de Financiamiento) under Colombian financial regulations.
• EfectyminorChannel Partner/ Reseller/ DistributorCash withdrawal network partnership allowing Bold users to withdraw cash without a card at Efecty physical locations across Colombia.
• Banco de BogotáminorChannel Partner/ Reseller/ DistributorCash deposit partnership allowing Bold users to deposit cash into their accounts through Banco de Bogotá branches.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Ualá: LatAm neobank with operations in Colombia offering digital accounts, debit cards, and payment services. Comparable SMB and individual-focused digital banking model.
• RappiPay: Digital payments and account offering from Rappi, focused on Colombia and other LatAm markets. Direct competitor in digital wallets, QR payments, and SMB payment acceptance.
• Nequi: Bancolombia-owned digital wallet and SMB-focused financial platform in Colombia. Direct competitor to Bold CF's digital account and payment products, with similar target SMB segment and freemium pricing strategy.
• Daviplata: Davivienda's digital wallet offering free accounts, payments, and transfers in Colombia. Competes with Bold CF on the same SMB and individual customer base with comparable free-tier features.
• Wompi: Bancolombia's payment gateway platform offering checkout, payment links, and merchant services. Competes directly with Bold CF's Pasarela de pagos, Link de pago, and POS offerings in Colombia.
• Tul (formerly Billoo): Colombian SMB-focused fintech offering digital accounts, payment acceptance, and credit for businesses. Closely comparable in customer focus, product mix, and Colombian market positioning.

Others

• Bold (Bold.co): Parent/related entity Bold.Co S.A.S. (digital correspondent) and Bold Pagos (payment acceptance). Operates adjacent to Bold CF within the same corporate ecosystem in Colombia.

Regional players

• PayU: LatAm-focused online payment gateway with strong presence in Colombia. Competes with Bold CF in payment links, checkout, and merchant payment processing for digital commerce.

Broad incumbents

• Mercado Pago: Latin American payments and digital banking arm of Mercado Libre. Competes with Bold CF in QR payments, payment links, checkout, and digital accounts for SMB merchants across the region.
• Nubank: Largest LatAm neobank operating across Brazil, Mexico, and Colombia with digital accounts, credit cards, and payments. Comparable freemium digital banking model and SMB-adjacent strategy.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC53BgFWNZGvNs6Pt0YzYT9A
• Facebookfacebook.com/somosbold.co
• LinkedInlinkedin.com/company/boldteam
• Instagraminstagram.com/somosbold.co

Compliance3 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 boldcf