Addem Capital

Aviva is an innovative digital bank focused on providing financial services to underbanked communities in Latin America, particularly targeting Mexico's population of over 40 million individuals. By leveraging artificial intelligence and video technology, Aviva aims to bridge the gap for those living in remote areas through physical onboarding kiosks. These nano-branches facilitate a seamless onboarding process, allowing customers to complete a documentless, three-minute video application for credit. Aviva’s unique approach includes using natural language processing to analyze spoken responses and assess emotional cues, which enhances its ability to evaluate thin-file customers. By employing these advanced risk models, Aviva is committed to offering unsecured credit products at competitive interest rates, thereby supporting the financial inclusion of underserved individuals and nano-businesses.

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 aims to transform the agricultural sector by integrating finance and technology. It facilitates access to cashless credits for farmers, enabling them to purchase necessary supplies and technology. The platform employs alternative data-driven credit scoring methods to promote financial inclusion and enhance agricultural practices. By connecting various stakeholders in the agriculture industry, including farmers, financial institutions, and crop buyers, Verqor creates a network that allows for efficient transactions and improved supply chain transparency. This approach not only empowers farmers with the resources they need but also allows financial institutions to offer low-risk credit options based on the unique credit profiles established through their data-driven methods.

Tivos is a financial services company that specializes in leasing solutions for various industries, including manufacturing, food, health, and agro-industrial sectors. The company focuses on streamlining the leasing process through its platform, which provides small and medium-sized enterprises with access to tailored equipment and machinery leasing services. By offering flexibility and efficiency, Tivos aims to support businesses in optimizing their operations and enhancing their overall productivity.

Credmei, established in 2013 and headquartered in Uberlândia, Brazil, specializes in providing credit solutions to small and medium-sized businesses. It employs machine learning to facilitate the prepayment of receivables, offering a streamlined, automated loan underwriting process and a range of products through its fintech platform.

Mattilda is a Mexican company focused on addressing financial challenges faced by schools in Mexico and Latin America. It offers a finance management platform that streamlines financial processes for parents and private educational institutions. The platform enables schools to advance tuition fees, ensuring a predictable cash flow and minimizing delays in payment. Additionally, it provides various flexible payment options for parents, allowing them to manage their finances more effectively. By offering automated collection management products and medium to long-term credit solutions, Mattilda supports schools in prioritizing their educational mission while enhancing their financial stability.

Wen Living is a company that focuses on the development of private homes in amenity-rich communities, particularly in Codigo Postal, Mexico. The firm provides a comprehensive range of services, including home building, infrastructure planning, and interior design and execution. By emphasizing quality and thoughtful design, Wen Living aims to create environments that enhance the living experience of its clients, allowing individuals to thrive in their homes and communities.

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

Atria is primarily a technology company that provides a control panel designed to assist Managed Service Providers (MSPs) in delivering efficient services to their customers. The Atria Control Panel consolidates various IT management functions into a single platform, enabling MSPs to manage multiple customers with features such as multi-tenant active directory, service delivery for products like Exchange and Office 365, and self-service options for users. With over 200 implementations globally, Atria's solutions are employed by leading MSPs, telecom companies, and system integrators to streamline operations, manage users, and ensure accurate billing. Atria's focus on enhancing efficiency and service delivery positions it as a valuable partner for businesses in the IT services sector.

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.

Prestanómico is a Mexican company focused on providing accessible and economical credit solutions through innovative technology. It aims to facilitate fast and affordable credit opportunities, enabling individuals to refinance existing bank debt, achieve personal goals, or enhance their quality of life. The company offers a user-friendly online loan application process that prioritizes security and transparency, detailing monthly payment obligations. Additionally, Prestanómico supports businesses in offering financing options to their customers under an embedded finance model, with a particular emphasis on serving gig economy workers and other underserved demographics. This approach positions Prestanómico as a key player in the evolving financial landscape, dedicated to improving access to credit for all.

Divibank is a financing platform that provides businesses with access to growth capital through innovative financial services. It develops software that facilitates customer access to products and services from accredited financial institutions. Divibank's platform is designed to offer credit linked to a business's revenue, allowing for flexible repayment without straining cash flow. By utilizing data from digital marketing campaigns, the platform aims to enhance sales performance while helping entrepreneurs attract new users. This approach enables businesses to leverage their revenue potential and optimize their marketing efforts effectively.

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

Siembro is an Argentina-based online platform that facilitates connections between agricultural companies and financial institutions. By offering a lending-as-a-service model, the company enhances access to financing for farmers, particularly for purchasing machinery at the point of sale. Siembro's platform includes an online registration portal and a payment and financing system tailored for sellers, streamlining the financing process for the agricultural sector. This approach not only simplifies access to loans but also aims to accelerate credit availability and promote savings within the industry.

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.