acreditar
- Company typePrivate
- Founded-
- Headquarters—
- Headcount1–10
- GTM typeB2C
- OfferingServices
acreditar firmographics
Firmographics- Name
- acreditar
- Legal name
- Grupo Acreditar SAS
- Website
- https://acreditar.com.co
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
acreditar industry classification
Industry- Product category
- Consumer Credit / Point-of-Sale Financing
- NAICS
- Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)
Keywords
acreditar business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Others
Revenue model
- Consumer Credit Interest: Acreditar generates revenue through interest charged on consumer loans. The company facilitates credit for purchases at partner stores, earning interest on the financed amounts. Interest rates are subject to regulatory limits set by Superfinanciera.
- Aval Fees: The company charges aval (guarantee) fees plus VAT on aval services as part of the credit offering, as disclosed in their terms and conditions.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
acreditar product offering
Product offeringCore offering
Acreditar (Grupo Acreditar SAS) provides consumer credit to individual buyers through a network of allied retail merchants. The credit is requested and approved in-person at Casaensueño physical points of sale using the customer's cédula, with a 100% digital alternative application available online. Once approved, the credit is disbursed immediately and can be redeemed at partner stores for furniture, home goods, automotive products, optical goods, and similar retail purchases, with repayment through iPaid/PSE, Nequi, Bancolombia transfers, or cash at partner locations.
Product overview
Acreditar operates as a digital consumer credit platform offering the 'Tu Crédito Acreditar' product—a consumer credit facility for financing purchases at partner commerce networks. The platform provides a 100% digital credit approval process (Solicitud de Cupo Online) and an online loan registration system. Payments are facilitated through integrated payment gateways (iPaid/PSE, Bancolombia, Nequi) and at physical Casaensueño partner locations. The core credit product enables immediate disbursement and flexible payment terms, connected to a network of allied retail stores where customers can redeem their credit.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Credit approved and available for immediate use at partner stores
- +1 more outcomes
Companies that use acreditar
Customer profileSegments1 record
Ideal customer profiles1 record
acreditar technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
acreditar partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- CasaensueñocorePrimary strategic partner and main point-of-sale location for Acreditar's credit products. Casaensueño is a furniture and home goods retail chain where customers can apply for and use Acreditar credit. The credit is requested and approved at Casaensueño physical stores.
- MaractiveminorPartner merchant in Acreditar's retail network where customers can use their credit for purchases.
- HomelikeminorPartner merchant in Acreditar's retail network for home goods purchases.
- Holetyre/MaxillantasminorPartner merchant for automotive products and services where customers can use their credit.
- OpticaminorPartner optical store where customers can use their credit for eyewear purchases.
- SeslaminorPartner merchant in Acreditar's retail network for purchases.
- Ag CreativeminorPartner merchant in Acreditar's retail network for purchases.
- iPaid/PSEcorePayment gateway integration partner enabling online credit payments. iPaid/PSE provides the secure online payment button for customers to pay their credit installments digitally with savings or checking accounts.
- BancolombiacorePrimary banking partner for fund transfers and payment processing. Bancolombia account (Account 770-000073-98, Savings type) is used for loan disbursements and customer payments via bank transfer.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
acreditar competitors and assessment
Company assessmentDirect peers
- Addi: Colombian buy-now-pay-later fintech that provides POS credit at allied merchants across retail categories. Directly comparable in product, customer base (Colombian consumers at retail checkout), and merchant-alliance GTM motion.
- Sistecredito: Colombian consumer credit fintech that originates installment credit at allied retail merchants, with a very similar POS credit product and merchant-network business model to Acreditar.
Broad incumbents
- Bancolombia (Sufi): Largest Colombian bank and a payments infrastructure partner to Acreditar (Bancolombia account, Nequi). Operates a consumer financing arm (Sufi) for retail POS credit, providing a broader-incumbent benchmark for scale and pricing in the same category.
- Davivienda: Major Colombian bank offering consumer credit and POS retail financing. Wider portfolio but overlapping POS credit functionality, and parent of Daviplata, an adjacent digital wallet in the same ecosystem.
- Banco de Bogotá: Major Colombian bank with consumer financing products including POS retail credit (e.g., CrediÁgil). Comparable product category with broader incumbent scale and balance sheet capacity.
- Nu Colombia: Digital bank operating in Colombia offering credit cards and consumer lending. Increasingly active in POS and online credit; comparable customer base (Colombian consumers) and digital-first origination model.
- Rappi: Colombian super-app offering RappiPay and POS credit at partner merchants. Broader platform but overlapping retail credit functionality and competitive overlap with Acreditar's allied-merchant model.
Others
- Daviplata: Colombian digital wallet by Davivienda and a payments-ecosystem participant. Enables disbursement and repayment flows that disintermediate consumer credit at POS, making it adjacent infrastructure rather than a direct credit competitor.
Emerging players
- Lulo Bank: Colombian digital neobank with consumer credit ambitions. Smaller-scale than majors but well-capitalized and digital-first, positioning it as an emerging direct competitor in retail credit.
- Ualá: LATAM fintech operating in Colombia with credit and payment products via a digital account. Broader geographic fintech player with partial overlap on consumer credit and POS payment flows.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
acreditar social profiles
Digital presenceacreditar financial estimates
Financial estimateRevenue estimate
Valuation estimate
acreditar leadership team
Management profileNumber of profiles
Profiles1 record
acreditar funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
acreditar M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about acreditar
What does acreditar do?
Acreditar (Grupo Acreditar SAS) provides consumer credit to individual buyers through a network of allied retail merchants. The credit is requested and approved in-person at Casaensueño physical points of sale using the customer's cédula, with a 100% digital alternative application available online. Once approved, the credit is disbursed immediately and can be redeemed at partner stores for furniture, home goods, automotive products, optical goods, and similar retail purchases, with repayment through iPaid/PSE, Nequi, Bancolombia transfers, or cash at partner locations.
Is acreditar a public or private company?
acreditar is a private company. It is classified as unknown and is currently operating.
When was acreditar founded?
acreditar was founded in -1. It employs 1 to 10 people.
How does acreditar make money?
Two revenue lines are on record. Consumer Credit Interest is the primary driver. The others are aval Fees.
Who are acreditar's main competitors?
Direct peers on record are Addi and Sistecredito. Broad incumbents are Bancolombia (Sufi), Davivienda, Banco de Bogotá, Nu Colombia and Rappi. Daviplata is listed as an others. Emerging players are Lulo Bank and Ualá.
Does acreditar have an API?
No public API is recorded for acreditar.
What industry is acreditar in?
acreditar's product category is Consumer Credit / Point-of-Sale Financing. Its primary akta.pro industry code is FSAKAFAF, Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest). Its NAICS code is 52222 and its SIC code is 6141.