Loan Originators

Credifiel provides innovative and financial solutions to the most underserved sectors of the country helping their clients and collaborators to improve their quality of life, differentiating themselves with high-quality services, ethics and reputation, based on the knowledge and experience of their team.

They finance consumer loans and home improvement loans from MX$2,000 to MX$350,000, with interest rates at Lendermarket at 12% for their mid-term loans up to 37 months and they offer a buyback guarantee after 60 overdue days. Credifiel has served 330,000+ clients since its inception and has a total net loan portfolio of 71.7M€ as of 2023 on 580,000 issued loans.

Dineo was founded in Spain in 2014 as a Social Limited Company. Allocated in Cash Converters stores, Dineo provides offline financial solutions for non-digital users through 75 selling points across Spain and they also cover the digital market needs through its online platform, allowing users to request, extend or pay back their loans.

Dineo finances consumer loans to individuals from 50 to 600 euros, with interest rates at Lendermarket from 10% to 15% for their short-term loans of up to 90 days. Since its inception, Dineo has helped more than 195,000 clients and has issued more than 1,4 million loans valued at 335 million EUR. They finished 2022 with an income of €15.9M, and its default ratio stayed under 11% while its NPL ratio was at 12.1% decreasing 3.6% from the previous year. They offer a buyback guarantee after 60 overdue days, which is also covered by a group buyback guarantee. The maximum extensions for their loans will be of 30 days up to two times.

Creditstar Group is a profitable international finance business founded in 2006. Its mission is to enable customers to live their best financial life. This is achieved by offering financial products—credit and investment—tailored to customers’ everyday needs. Creditstar has proven its ability to run an efficient business.

The company is run by an entrepreneurial team of over 100 people from 30+ nationalities and has been recognised for high performance, revenue and profitability growth, as well as excellence and innovation in the use of IT in financial services worldwide. Creditstar is among the most talented companies in the Banking and FinTech Industry.

Creditstar Group companies are regulated in the eight countries where it offers lending services. The company ensures that its lending activities comply with all regulations and follow responsible lending principles.

At Lendermarket, Creditstar Group provides investors with a group buyback guarantee to secure each loan originator’s obligations. Creditstar can extend the duration of a loan by paying interest, as per the loan schedule. A maximum of six extensions is allowed, 30 days per extension.

RapiCredit is the biggest micro-lending fintech in Colombia. RapiCredit started its operations in Colombia in 2014 and finances consumer loans to individuals from COP $200.000 to COP $1.000.000, with interest rates at Lendermarket up to 18% for their mid-term loans up to 180 days.

They offer a buyback guarantee after 60 overdue days. NPL(non-performing loans) is stabilised at 6.5% for 360 dpd. Their purpose is to integrate and bring to the millions of Colombians who do not have access to traditional banking, and who in many cases are served by informal credit, credit solutions that allow them to improve their lives.

The company supports financial inclusion, fighting informal loans in Colombia and opening the door to the traditional banking system to almost 36% of its clients. They believe that the best effect is produced when the players in the ecosystem are integrated to provide solutions to Colombians or complement them, bringing about the financial inclusion required for social development, and that Colombia is the platform to make the leap to the Latin American region.

RapiCredit, which to date has granted more than 2.8 million loans, has recently obtained, from strategic funders, quotas for more than US$15 million to be used as working capital, and has forged alliances with important entities in the country. It also expects to expand its operations in Central America and the region in the coming years.