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.

Plurall is an innovative financial services provider based in Colombia, focused on enhancing financial inclusion for over 8 million entrepreneurs who have been excluded from traditional banking systems. Recognized as the most entrepreneurial country globally, Colombia has a significant portion of its workforce engaged in self-employment. Plurall aims to address the financial needs of these individuals and small to mid-sized enterprises (SMEs) by offering AI-driven financial applications, mobile banking solutions, and various lending products, including micro and commercial loans. The company leverages technology and data science to deliver essential financial services through a digital-first approach, ensuring that its customers receive tailored support. Plurall's strategic partnerships with major investors and financial institutions position it to expand its operations beyond Colombia and into the broader Latin American market.

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.