Addem Capital

Aviva is building an AI-powered digital bank for Latin America’s underbank communities. While determined to fuel Latin America’s ongoing emergence of a new middle class with a fully-fledged portfolio of inclusive financial services, Aviva’s initial go-to-market concentrates on unsecured credit products for individuals and nano-businesses in Mexico. As most of the underbanked 40+ million Mexicans live in small and medium-sized towns, Aviva builds a bridge to those living in remote communities with its physical onboarding kiosks. These nano-branches provide a documentless 3-minute video onboarding for everyone in need of liquidity. Novel AI-based technology, including natural language processing, allows Aviva to match customers’ spoken word to the fields of a comprehensive real-time credit application. Transforming speech to text and inferring emotions and personality from the visual layer of the application video gives Aviva an edge in scoring thin-file customers. Leveraging these novel risk models, Aviva aims to provide the lowest interest rates available to today’s underserved.

We are a startup transforming access to medical services and specialized treatments by offering tailored financing solutions across Latin America. In an era where healthcare costs are a significant barrier for many, Mend is here to bridge the gap. Our mission is to empower patients and doctors with accessible payment options, enabling more inclusive and efficient healthcare.

Verqor is an innovative platform that transforms the agricultural sector by integrating finance and technology. It provides farmers with access to cashless credits, facilitating the purchase of essential supplies and machinery. By employing an alternative data-driven credit scoring system, Verqor aims to enhance financial inclusion within the agricultural community. The platform connects various stakeholders in the agriculture industry, including buyers, sellers, and financial institutions, promoting collaboration and transparency. Financial institutions can issue low-risk credits based on Verqor's unique credit assessment criteria, ensuring that farmers can acquire necessary resources while enabling crop buyers to access quality produce. This approach empowers farmers and strengthens supply chain management in the agriculture sector.

tivos^ financial services company that provides leasing services to various industries.

Credmei is a credit fintech that utilizes machine learning to fund small and medium-sized businesses through receivable prepayment. Founded in 2013 and is based in Uberlândia, Minas Gerais, Brazil.

Mattilda is a Mexican company dedicated to resolving financial issues in schools throughout Mexico and Latin America. It has access to automated collection management products, guaranteed income, and medium and long-term credits to help them solve their financial problems while focusing on providing high-quality education.

Wen Living focuses on creating private homes within amenity-rich communities, providing an environment that encourages extraordinary living. Based in Codigo Postal, Mexico, the company offers a range of services, including home building, infrastructure planning, and interior design execution. By integrating these services, Wen Living aims to enhance the quality of life for its clients, ensuring that each home is tailored to meet individual needs within a thoughtfully designed community.

Arrenda1 creates financing plans that adapt to the financial capabilities and lifestyle of its clients.

Atria is a multifaceted company that operates in two primary sectors: furniture manufacturing and IT service management. In the furniture sector, Atria specializes in producing dining tables, commercial chairs, and various furniture accessories. In its IT service management division, Atria provides a control panel designed to assist Managed Service Providers (MSPs) in delivering efficient services to their clients. This control panel offers a centralized portal for managing customer accounts, allows for multi-tenant active directory management, and facilitates the delivery of services such as Exchange and Office 365. With over 200 implementations globally, Atria's solutions are utilized by leading MSPs and telecom companies to streamline operations and enhance customer service.

Tecredi is a fintech platform that enables customers to easily access the products and services of partner financial institutions.

Lafin supports entrepreneurs by providing them with access to the best credit. Lafin was started in 2008 with only 2 branches, currently, thanks to their loyal customers, there are already more than 40 branches, with more than 50 thousand customers.

They are a Mexican company that seeks to give credit in a more economical and accessible way through technology. They are backed by Mexican entrepreneurs committed to the development of the financial sector in the new digital world. They were born with the objective of providing fast and cheap credit opportunities, so you can refinance your bank debt, meet your goals or improve your quality of life.

Divibank is a financing platform offering businesses access to growth capital.

Bien para Bien is a Mexican Financial Institution that supports SMEs and entrepreneurs, through a credit with fiduciary guarantee.

Siembro is an online lending-as-a-service platform connecting farmers with financial institutions to increase access to loans used to purchase machinery at the point of sale.

Quipu is building the first digital bank for the informal economy in LATAM. Using proprietary AI algorithms, Quipu assesses informal microbusinesses’ creditworthiness using over 80,000 alternative data points. Quipu leverages this data to provide working capital loans through a local supply chain financing system that allows microbusinesses to buy supplies, ingredients and materials at wholesale price. The company is building an uncollateralized loan protocol to boost their loan operation. Quipu’s goal is to become the one-stop-shop for financial services for micro-businesses in LATAM providing easy, fair and alternative access to working capital.