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INVERSIONES IO

Peru
Market: Financial services
Stage of the project: Operating business

Date of last change: 24.10.2022
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Idea

Tailor made proposal for loans
Historical data available (Public calls for tenders)
Scalable and replicable acquisition strategy in LATAM
Attractive risk/return balance (75% of the financed amount)

Current Status

In January 2021, there were 50 users on the platform, 8 financed companies, S/2,000,000 total financing, there were 7 workers and an average monthly income of S/15,000. As of January 2022, these indicators have increased, there are 1,500
users on the platform, 60 financed companies, S/12,000,000 of total financing, it has increased to 18 workers and one income
monthly average of S/60,000

Problem or Opportunity

In Peru, the financial cost for SMEs is very high, according to the SBS, the annual interest rate exceeds 80%, in addition, its
Access to the financial system is limited. Most investment options are at a very low rate (even less than 1%).
We offer flexible crowdfunding solutions to SMEs, at lower than average interest rates, and an excellent return to investors (21% on average in 2021), we have a delinquency rate of less than 2%.

Solution (product or service)

INVERSIONES.IO connects investors and companies to boost the Economy through its participatory financing platform.
A 100% digital platform has been created that reduces the cost of financing companies and increases the profitability of
investors. A trust with COFIDE is used to channel money flows, in order to guarantee security and traceability.
See video: https://www.youtube.com/watch?v=9D2_HD99H4c

Business model

We charge an upfront commission between 3% and 10% of the financed amount. On average, an operation generates S/7,500 of income. The objective is
reach 5 operations for S/170,000 per month (1st semester 2022), end 2022 with 10 weekly and billing of S/3,000,000 in Peru.
In Peru, there are more than 2.5 million potential investors. In Latin America, more than 30 million SMEs and more than 80 million
potential investors. Considering a market share of 1%, we will exceed S/760 million
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