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 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.

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.