The Company is a leading Panamanian fintech specialist with a 5-year operating history, focusing on providing financial inclusion to underbanked and unbanked individuals. It operates a proprietary, tech-enabled credit model specializing in smartphone financing with advanced remote-locking capabilities to secure assets and mitigate credit risk.
Investment Rationale
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Proven Scalability: Successfully originated over 21,000 loans in the last two years with a business model replicable across the Latin American region.
-
Proprietary Risk Mitigation: Utilizes alternative scoring models and non-traditional variables combined with direct technological control over financed hardware to ensure high repayment rates.
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Strong Financial Traction: Demonstrated rapid growth with plans to scale from 21,000 to over 310,000 originated loans by 2030.
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Robust Capital Protection: Investment is supported by a trust structure administered by a professional fiduciary, including portfolio-backed guarantees and an assignment of cash flows.
Key Financial Highlights
| Metric |
2024 – 2025 (Projected/Actual) |
2030 (Projected) |
| Gross Revenue |
~USD 2.7 Million |
~USD 38.8 Million |
| Loan Portfolio Balance |
~USD 1.4 Million |
~USD 5.2 Million |
| Cumulative Loans |
21,000+ |
312,000+ |
Transaction Details
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Type: Hybrid Investment (Equity focus).
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Target Amount: USD 5,000,000.
-
Equity Participation: Up to 51%.
-
Target Return: Average annual Internal Rate of Return (IRR) of 20%.
-
Investment Term: 60 months with open exit options.
-
Use of Funds: 90% allocated to credit portfolio expansion; 10% to operational and technological enhancements.
Description
The Company is a leading Panamanian fintech specialist with a 5-year operating history, focusing on providing financial inclusion to underbanked and unbanked individuals. It operates a proprietary, tech-enabled credit model specializing in smartphone financing with advanced remote-locking capabilities to secure assets and mitigate credit risk.
Investment Rationale
Proven Scalability: Successfully originated over 21,000 loans in the last two years with a business model replicable across the Latin American region.
Proprietary Risk Mitigation: Utilizes alternative scoring models and non-traditional variables combined with direct technological control over financed hardware to ensure high repayment rates.
Strong Financial Traction: Demonstrated rapid growth with plans to scale from 21,000 to over 310,000 originated loans by 2030.
Robust Capital Protection: Investment is supported by a trust structure administered by a professional fiduciary, including portfolio-backed guarantees and an assignment of cash flows.
Key Financial Highlights
Transaction Details
Type: Hybrid Investment (Equity focus).
Target Amount: USD 5,000,000.
Equity Participation: Up to 51%.
Target Return: Average annual Internal Rate of Return (IRR) of 20%.
Investment Term: 60 months with open exit options.
Use of Funds: 90% allocated to credit portfolio expansion; 10% to operational and technological enhancements.
Basic Details
Target Price:
$ 10,000,000
Gross Revenue
$2,700,000
Business ID:
L#20260971
Country
Panama
City:
Panama City
Detail
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