99 Startups

Saptiva is a technology company that specializes in providing artificial intelligence (AI) infrastructure and tools for businesses of all sizes. It offers a platform that enables enterprises to access top-performing large language models (LLMs), intuitive software development kits (SDKs), and application programming interfaces (APIs) instantly, all hosted on its cloud infrastructure in Latin America. The company's AI platform is designed to empower businesses by automating actions and providing insights, with a focus on optimizing workflows and decision-making processes securely and efficiently.

Kala is a fintech platform dedicated to enhancing financial inclusion for underbanked segments in Latin America. It operates through a B2B2C credit model, providing innovative lending solutions that streamline access to credit for individuals and businesses. The company's initial offering, Pension Deducted Loans, targets the Silver Economy in Colombia, facilitating loan repayments directly through government-backed pension funds. Kala collaborates with various lenders, including banks and credit unions, to create a fully digital credit process that ensures a seamless experience for users. By focusing on the unique needs of its clientele, Kala aims to optimize revenue generation while contributing to the broader goal of financial accessibility in the region.

Palomma is a technology company that specializes in providing a payment method that allows customers to make secure transactions directly from their bank accounts. By offering a streamlined, one-click payment solution, Palomma helps merchants reduce card processing fees while enhancing customer conversion rates. The company's platform is built on a robust application programming interface (API) tailored for the Latin American market, focusing on instant account-to-account payments. Additionally, Palomma enables users to earn rewards at affiliated businesses, further incentivizing the use of its payment method. Through its innovative approach, Palomma aims to create cost-effective payment solutions that benefit both merchants and consumers.

Bemmbo is a Chilean company founded in 2022, specializing in accounting software that automates accounts payables and receivables. Headquartered in Santiago, the company provides a platform designed to streamline the reconciliation and organization of payments. Bemmbo's software enables centralized payment management, maintains an efficient approval workflow, facilitates instant payments, and reconciles recorded transactions. By automating the approval, payment, and billing processes, Bemmbo helps businesses save time and reduce costs associated with paying suppliers and reporting expenses.

Cucuru provides a next-generation infrastructure for B2B collection services with a native access-to-finance layer. Its regional platform enables rapid scalability and replication across markets, delivering a flexible, white-label solution with open architecture to support collection and payment workflows for different industries and business requirements. The company has deployments in Mexico, Brazil, and Argentina, focusing on enabling efficient, scalable B2B collections through its unified infrastructure.

DeltaX is a digital freight platform that connects shippers with carriers and truckers in Latin America.

MegaBite is a multibrand cloud kitchen restaurant that specializes in offering premium gastronomic brands at midrange prices targeted at the middle class in Latin America. The company operates exclusively through digital channels, utilizing integrated kitchen software and hardware to facilitate efficient order processing. MegaBite runs its operations from rented dark kitchens, which allows for a modular growth model that enhances scalability. This innovative approach enables the opening of new kitchens with significantly lower capital expenditure and much faster timelines compared to traditional restaurants. Operating in Mexico and Peru, MegaBite has achieved impressive growth, averaging 30% month-over-month since its inception. The platform provides customers with access to a variety of virtual restaurant brands, enhancing their culinary choices while ensuring a seamless online ordering and delivery experience.

HoyTrabajas is a Colombian-based HR-Tech company that operates a job search platform. It uses AI algorithms to match users with suitable jobs, aiming to assist companies in swiftly attracting and retaining low-skilled talent within a short timeframe.

Mujer Financiera is a startup dedicated to bridging the gender gap in financial inclusion for women. It offers financial education, expense tracking tools, and investment products to empower women to make informed decisions about their personal finances.

Mureni is a rapidly growing healthcare startup based in Mexico City that focuses on enhancing dental practices in Latin America, particularly in Mexico and Brazil. The company specializes in the development of dental aligners, utilizing advanced three-dimensional scanning and printing technologies. This innovative approach allows patients to receive effective orthodontic treatment without the discomfort of traditional metal braces or the need for frequent visits to an orthodontist. By leveraging technology, Mureni aims to increase revenue for dental practices while improving operational efficiency, ultimately providing a more accessible and pain-free dental care experience for patients.

Fintual is a digital investment platform based in Santiago, Chile, founded in 2018 by Pedro Pineda, Omar Larré, Agustín Feuerhake, and Andres Marinkovic. The company caters primarily to young professionals seeking to make informed investment decisions. Fintual offers low-commission accounts for passive investment and employs artificial intelligence to assess clients' risk profiles. This technology helps generate tailored investment recommendations, empowering users to gain essential financial knowledge and manage their investments online effectively. By simplifying the investment process, Fintual aims to enhance accessibility to financial advisory services for a broader audience.

Apperto Inc. is a technology company based in Venado Tuerto, Argentina, with an additional office in Belgrano. Founded in 2017, it has developed a digital platform that facilitates interaction among users and between users and local businesses. The platform supports online orders, digital wallets, and coupons, allowing residents of small and medium-sized cities to engage with shops and friends conveniently. Apperto's mission focuses on improving the quality of life in low-tier cities and rural areas in Latin America by providing accessible technology that enhances business operations and promotes community connectivity.

Zippi Soluções de Crédito Ltda is a digital platform based in São Paulo, Brazil, that specializes in providing financial services for gig workers, particularly drivers for ride-sharing applications such as Uber, 99, and Cabify. The platform offers personal loans tailored to the needs of self-employed individuals, allowing them to manage their finances more effectively. By providing weekly invoices and facilitating payments through a user-friendly application, Zippi aims to support its clients in focusing on their business growth without incurring annual fees. This approach positions Zippi as a valuable resource for the growing gig economy in Latin America.

Backstartup is a pioneering company in Latin America focused on transforming how small businesses manage their accounting and finances. The company offers a Software-as-a-Service (SwaS) platform that replaces traditional accountants by providing monthly reports, tax filings, and financial statements through an online interface. Backstartup leverages accounting automation bots and bank integrations to eliminate manual tasks and reduce human errors. Additionally, the company assigns each customer a virtual administrative support team to ensure comprehensive service. By moving traditional offline behaviors to a fully online experience, Backstartup helps small businesses streamline their financial management processes, allowing them to concentrate on core activities while maintaining productivity.

Fintual is a digital investment platform based in Santiago, Chile, founded in 2018 by Pedro Pineda, Omar Larré, Agustín Feuerhake, and Andres Marinkovic. The company caters primarily to young professionals seeking to make informed investment decisions. Fintual offers low-commission accounts for passive investment and employs artificial intelligence to assess clients' risk profiles. This technology helps generate tailored investment recommendations, empowering users to gain essential financial knowledge and manage their investments online effectively. By simplifying the investment process, Fintual aims to enhance accessibility to financial advisory services for a broader audience.

Cuanto empowers Latin American creators to monetize their audience and sell products directly via social media. Its platform enables users to create online catalogs, manage orders, accept payments, and handle inventory, all accessible through a mobile app.

Bayonet Technologies, Inc., established in 2016 and headquartered in Camden, Delaware, specializes in designing and developing reputation system software. It provides software solutions that visualize user reputation and assess risk, primarily serving banks, payment processors, financial institutions, and lenders. The company's unique approach to machine learning enables it to calibrate decision models with significantly less historical data compared to traditional methods, making it an efficient solution for fraud detection and low acceptance rate challenges, particularly in the e-commerce sector.