RedCapital

We focus on loans and invoice discounting for SMEs.

North America, South America

2015 In Chile
2018 In Perú
100% CAGR
Through RedCapital, SMEs have received around hundred and thirty million dollars, and reduced their financial costs by thirty-seven percent.
Our investors receive a eleven percent return per year.
Our risk predictor has resulted in our having a 1.1 percent default record
As a result, we have been rewarded by several prestigious institutions in Chile and abroad.

Small businesses have a little credit line on banks. So, they have higher rates in other financial institutions. SMEs in Latin America struggle to grow because accessing credit continues to be a highly formalized and bureaucratic process. There is an SME credit gap of $250B in Latin America with two million SMEs reported as being un-served or underserved. The average interest rate charged by banks to SMEs is generally higher to countries in Latin America in comparison to other regions such as the U.S.

On the RedCapital Website, SMEs request money, then must be approved by our Scoring and investors can choose the loans or the invoices that they would like to invest in.

In the countries we will focus we estimate a Market of $60B.This is based on loans and factoring to SMEs through financial institutions other than Banks. Those institutions charge Small Businesses much more than Banks. We help them to get better rates in Chile and Perú. Latin America’s high-volume markets include Chile, Mexico, and Brazil.

Investors of redcapital.cl & redcapital.pe:
Investors are Individuals, family office or institutional investor (funds). This year, 46% of investments on RedCapital are from institutional investors (funds).

On average we earn 2.1% commission of the loan.
Our fee depends on the loan terms. Borrowers pay us between 0.2% to 0.9% and Investors pay us 0.3 % of the loan amount per month.

More than USD$ 151,000,000 on loans or invoice discounting until today.
2019 average monthly growth on revenue: 10.7%
37% on financial cost reduction to SMEs
Payment delay: 1.1% more than 6 months. 11,8% average return to investors.
Profitable growth: Thanks to technology developments we have been profitable since 2015.

other financial institutions

Our risk predictor allows our investors to have only 1.1% default record (more than 6 months on payment delay).
We offer a wide range of financial solutions to SMEs (Loans, Factoring & Leasing).
Cost efficient thanks to technology developments.
The founders have different knowledge and skills, so we complement each other.

Regulations: But we have a diversify offer of products and countries.

Seedstars
Village Capital
Imagen Labs
UDD ventures

We have been rewarded by several prestigious institutions in Chile and abroad.
Best Chilean start up according to Seedstars 2017
The only South American in the final of BBVA Open Talent, London 2017
Since 2018, Building Financial Capabilities with ACCION and Metlife Foundation

No

1.- Improve our platform to be more efficient in the delivery of online lending,
2.- Start operations in 3 more countries in America. Open new markets and cover costs until they are profitable
3.- Marketing in Chile & Perú (we have very good LTV/CAC ratio)

Be part of the biggest crowfunding in Latin America
Funding Sought: USD 5.000.000
Funding Status: We will Start next round on Sept-2020.
Deal Terms: Pre-Money Valuation USD 20.000.000

Chile

USA