The credit infrastructure connecting merchants, lenders, and shoppers at checkout
Creditop is building the credit infrastructure for the 400M people in LatAm who don't have a credit card and are locked out of traditional Visa/Mastercard rails — connecting merchants, lenders, and shoppers at checkout.
About
Creditop connects merchants with multiple financing options at checkout, and we also enable them to launch and scale their own credit line — all within a single checkout experience.
For lenders, Creditop enables loan origination and distribution at scale across merchants. The platform helps lenders launch and scale credit at checkout through consumer loans, BNPL, pre-approvals, and revolving lines, powering the full stack from distribution, underwriting, and origination to servicing.
For merchants, Creditop offers multiple financing options within a single checkout experience across all channels, as well as the option to launch and scale their own credit line.
For end users, Creditop empowers people to choose among available financing options based on their financial profile, enabling more approvals and greater efficiency.
15
Lenders
3
Countries
350K
End Users
~1K
New Users Daily at $0 CAC
~$100M
Disbursements
+11%
MoM Growth Rate
Addressed Problem
70% of adults across LatAm — over 400M people — don’t have a credit card. As a result, +5M merchants are forced to build their own credit lines and offer multiple financing options at checkout. But they struggle with underwriting, origination, loan management, and lender integrations — leaving up to 60% of sales on the table.
Founder
Location
- Colombia
- Dominican Republic
- Peru
Services
- Consumer Loans
- Buy Now, Pay Later (BNPL)
- Pre-approvals
- Revolving Lines
- Merchant Credit Lines
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