BBVA Spark

Finaktiva is the largest digital financing ecosystem for small and medium-sized enterprises (SMEs) in Colombia. The company has developed a comprehensive digital platform that addresses the cash flow and liquidity needs of SMEs while facilitating their growth. By combining cash management, supply chain finance, and lending services, Finaktiva enables businesses to access financing and acquire immediate liquidity. The platform ensures timely credit disbursement after thoroughly analyzing ventures and verifying documentation, allowing companies to efficiently manage their financial operations and make prompt payments to suppliers. Through these services, Finaktiva plays a crucial role in supporting the financial health and growth potential of SMEs in the region.

Spain's largest consumer insolvency lawyers and consumer debt restructuring and consolidation providers.

MytripleA is a fintech platform based in Spain that specializes in providing working capital and payment solutions for medium and large enterprises. Founded in 2015, the company offers a range of financial services, including factoring and reverse factoring, aimed at facilitating business growth. With offices in Madrid, Barcelona, and Soria, MytripleA has successfully financed over €160 million for numerous companies through its network of institutional investors. The platform connects businesses seeking alternative financing with investors, streamlining the process of obtaining necessary funds to support operational needs.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Exoticca is an online travel agency that specializes in providing comprehensive travel tour package deals. The company offers a range of holiday packages, which include flights, accommodations, meals, guides, and private transport to various global destinations. Exoticca aims to make travel more accessible by offering both partial and guided tour options, ensuring that unique and exotic destinations are within reach for more travelers. By collaborating with local travel experts, Exoticca negotiates favorable deals on accommodations, activities, and transportation, allowing for the creation of tailored travel experiences. Their focus on quality and competitive pricing caters to modern explorers in search of luxurious adventures, making it easier for them to book their travel plans online.

Equity Link is a tech ecosystem where supply chain stakeholders connect to buy, sell and finance trade. We offer SaaS for SME in LATAM enabling access to supply chain finance. It seeks to simplify access to capital by creating an easy, accesible, and safe experience. The company was founded in 2015 and is based in the largest market: Mexico.

Plurall is developing an AI-driven financial application aimed at the over 8 million entrepreneurs in Colombia who have been excluded from traditional banking services. Recognized as the most entrepreneurial country globally, Colombia has a significant portion of its workforce engaged in self-employment. Plurall aims to enhance financial inclusion by offering micro and commercial lending products, mobile payment solutions, and other essential financial services tailored to the needs of small and mid-sized enterprises (SMEs). By leveraging technology and data science, Plurall provides critical access to working capital, mobile banking, and B2B buy now, pay later (BNPL) options, initially focusing on the Colombian market before expanding throughout Latin America. The company collaborates with reputable investors and partners, including Fasanara and Visa, to fulfill its mission of supporting underserved entrepreneurs.

CASAFARI is a real estate network that provides agents with access to an updated and comprehensive real estate database. The proprietary technology simplifies the process of collecting, cleaning, and evaluating every property on the market, ensuring that agents have access to accurate and up-to-date information.

Fairplay is a performance-based financing platform that assists e-commerce companies in their growth by providing upfront capital for marketing expenditures. The platform utilizes advanced data analytics to evaluate and invest in clients' digital marketing campaigns, facilitating sales advancements. In return for the funding, Fairplay receives a consistent share of the revenues until the capital is fully repaid, alongside a fixed fee for its services. This model allows businesses to access necessary resources for marketing while aligning the financing structure with their revenue generation.

Bravo, originally founded as Resuelve tu Deuda, is a financial advisory firm established in Mexico in 2009 by Javier Velasquez and Juan Pablo Zorrilla. The company was created as a response to the growing issue of over-indebtedness affecting many Mexicans, particularly those who accumulated unmanageable debts between 2002 and 2009. Bravo offers a range of services aimed at improving credit scores, managing debt, and facilitating debt settlement. The firm provides support to both debtors and creditors, enabling individuals to regain control of their finances and achieve greater financial stability. By acting as a reliable advisor, Bravo addresses the significant need for assistance in navigating financial challenges within the country.

Insurama is an insurtech company focused on delivering innovative and straightforward insurance solutions tailored for the digital native consumer. It operates an online insurance distribution channel that allows customers to easily access and purchase products through its digital sales platforms. By managing its online marketing strategy and developing user-friendly websites, Insurama aims to enhance customer experience and satisfaction. The company emphasizes clarity in its offerings, with a commitment to providing products that are free from complex terms and conditions, thereby meeting the evolving needs of today's consumers.

Bia Energy is focused on providing sustainable and affordable energy solutions to small and medium-sized enterprises (SMEs) and households in Latin America. The company has developed a virtual energy marketing platform that emphasizes efficient energy consumption and optimization. This platform tracks energy usage and offers automatic recommendations for monthly savings, enabling users to reduce costs while adopting sustainable practices. Through its consumer-centric and data-driven approach, Bia Energy aims to empower its customers by enhancing their energy management capabilities and promoting environmentally friendly energy consumption.

Exoticca is an online travel agency that specializes in providing comprehensive travel tour package deals. The company offers a range of holiday packages, which include flights, accommodations, meals, guides, and private transport to various global destinations. Exoticca aims to make travel more accessible by offering both partial and guided tour options, ensuring that unique and exotic destinations are within reach for more travelers. By collaborating with local travel experts, Exoticca negotiates favorable deals on accommodations, activities, and transportation, allowing for the creation of tailored travel experiences. Their focus on quality and competitive pricing caters to modern explorers in search of luxurious adventures, making it easier for them to book their travel plans online.

WIVI Vision is a provider of 3D visualization programs and games aimed at treating visual dysfunction and enhancing cognitive visual functions. The company specializes in assessing and training visual abilities, offering tools designed to improve vision in children and teenagers. Additionally, WIVI Vision supplies valuable information to healthcare professionals, assisting in the early identification and triage of visual disorders. By focusing on cognitive visual function enhancement, WIVI Vision seeks to address and cure various visual dysfunctions, ultimately contributing to better visual health outcomes for its users.

Cabify, established in 2011 and based in Madrid, Spain, is a ride-sharing company that facilitates transportation for both individuals and businesses. It offers a user-friendly web and mobile app for booking rides, connecting users with suitable transport options. Cabify prioritizes customer satisfaction, ensuring fair pricing, comfortable journeys, and accessibility for all. Its services include clean, modern vehicles driven by trained professionals, providing safe and reliable rides with added amenities like music and magazines. The company aims to enhance urban mobility and improve cities and communities by making transportation better.

Creze is a financial services company based in Mexico City, established in 2015. It specializes in providing unsecured business loans to small and medium-sized enterprises in Mexico, aiming to facilitate growth and improve working capital management. The company leverages technology to streamline risk assessment and management, allowing for quick analysis of loan requests. Creze offers loans with favorable terms, including no pre-payment penalties and no credit history requirements, ensuring access to credit for the entrepreneurial community. The firm emphasizes rapid disbursal, enabling businesses to receive funds promptly to support their financial needs. As of 2019, Creze operates as a subsidiary of Polygon Fintech.

Fracttal develops intelligent, cloud-based maintenance and asset management software that is accessible via mobile devices. This software, known as Fracttal One, enables companies to efficiently manage their maintenance operations, enhancing sustainability and security while ensuring operational continuity and worker safety. With a customer base that includes notable companies such as Acciona, Unilever, and FedEx, Fracttal serves both large multinationals and SMEs across various sectors, including manufacturing and transport. The platform facilitates real-time collaboration among teams and integrates seamlessly with any ERP system, allowing businesses to monitor and optimize equipment, suppliers, and maintenance schedules. Fracttal also offers Predictto, an AI-driven predictive maintenance solution that uses machine learning and big data to forecast potential asset failures. The software has demonstrated significant improvements in maintenance costs, asset performance, and overall productivity, helping companies reduce risks associated with unplanned downtime and enhance decision-making processes.

Twinco Capital is a financial services provider focused on the supply chain industry, established in 2016 and headquartered in Alcobendas, Spain. The company specializes in offering a comprehensive supply chain finance solution that encompasses the entire production cycle, from purchase order financing to final invoice payment. Twinco aims to enhance the accessibility of affordable funding for suppliers of all sizes, thereby fostering inclusive growth within global trade. By connecting banks to its platform and incorporating environmental, social, and governance (ESG) metrics into its financing programs, Twinco seeks to create a competitive and sustainable supply chain finance ecosystem. Additionally, the company utilizes advanced supply chain analytics to assess supplier performance, enabling buyers to reduce financing costs and improve supply chain reliability while promoting socially responsible practices.

Sunhero specializes in providing custom-built solar panel solutions, focusing on both rental and purchase options for photovoltaic systems. The company aims to make solar energy accessible and affordable for consumers by offering a streamlined process for installing these systems in residential properties. Customers can choose to rent solar panels for a 20-year period or purchase them outright. Sunhero's personalized service is designed to help individuals reduce their monthly electricity costs while contributing to a more sustainable energy future. Additionally, the company is committed to developing technology and infrastructure that supports the global transition to green energy.

Bia Energy is focused on providing sustainable and affordable energy solutions to small and medium-sized enterprises (SMEs) and households in Latin America. The company has developed a virtual energy marketing platform that emphasizes efficient energy consumption and optimization. This platform tracks energy usage and offers automatic recommendations for monthly savings, enabling users to reduce costs while adopting sustainable practices. Through its consumer-centric and data-driven approach, Bia Energy aims to empower its customers by enhancing their energy management capabilities and promoting environmentally friendly energy consumption.

Mundimoto is an online motorcycle trading platform that aims to change how individuals buy motorbikes. The company offers a comprehensive range of services, including online listings of reconditioned vehicles, installment payment options, and home delivery. Additionally, Mundimoto provides motorcycle revision services, consumer financing, and insurance, as well as the opportunity for customers to trade in their old motorcycles. This approach enables users to easily browse, finance, and purchase a diverse selection of motorbikes using their mobile devices, enhancing the overall buying experience.

Payflow is a financial platform that offers a unique employee benefit by providing instant access to earned salaries, thereby enhancing employees' financial well-being. Founded in 2020 and backed by Rocket Internet, the company operates from Spain. Payflow's service allows employees to access their earnings without affecting the company's cash flow or complicating payroll processes. This approach not only improves employee productivity and engagement but also helps organizations manage their financial operations more effectively. Through its platform, Payflow aims to support both employees and employers in achieving better financial management.

Habi is a technology-driven real estate company based in Bogotá, Colombia, that specializes in simplifying the homeownership process for middle-class customers throughout Latin America. Founded in 2019, Habi utilizes a proprietary pricing algorithm and advanced analytical tools to facilitate quicker and more efficient transactions for buying and selling residential properties. By reducing the time required for sales and minimizing risks associated with traditional real estate processes, Habi eliminates the need for intermediaries and empowers clients with essential information. The company's innovative platform aims to enhance the overall experience of homeownership, making it more accessible and streamlined for its users.