$10,000,000

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 spec ...

$10,000,000
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TBD

A Private Investment Fund (PIF) operating under Panamanian law is a specialized financial vehicle designed for sophisticated investors. Governed primarily by Decree Law No. 1 of July 8, 1999 (the Securities Law) and Agreement No. ...

TBD
TBD

Businesses for Sale in Panama

Panama, a vibrant Central American country, serves as a captivating bridge between North and South America. Renowned for the iconic Panama Canal, a feat of engineering connecting the Atlantic and Pacific Oceans, the nation boasts a rich cultural tapestry. Its diverse landscapes encompass lush rainforests, pristine beaches, and the highlands of Boquete. Panama City, a modern metropolis, juxtaposes historic districts like Casco Viejo, blending colonial charm with contemporary flair. The country's biodiversity flourishes in national parks, fostering unique wildlife. With a warm tropical climate, Panama invites exploration, offering visitors a blend of history, natural beauty, and a dynamic urban experience.

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

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

  • 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.

MergersCorp M&A
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