Creizer

Creizer is a Mexican fintech platform that provides revenue-based financing to online sellers operating across major e-commerce marketplaces and platforms in Latin America. Founded in 2021 by Emiliano Musalem, the company is headquartered in Mexico City and participated in Y Combinator's Winter 2022 batch. Creizer offers credit solutions specifically designed for small and medium-sized enterprises selling on platforms such as Mercado Libre, Amazon, Shopify, Tiendanube, Linio, and Liverpool. The company addresses a critical gap in the market, as over 80% of SMEs in Latin America lack access to traditional loans. Creizer's unique value proposition centers on flexible financing without fixed monthly payments, interest rates, or commissions. Instead, repayments are tied directly to sellers' sales performance—if sales decline, payment obligations decrease proportionally. The platform uses a proprietary risk assessment model that evaluates creditworthiness based on real-time marketplace data and store metrics rather than traditional credit scores or collateral requirements. Credit lines range from 30,000 pesos to 4 million pesos, with potential expansion up to 20 million pesos for qualified borrowers. The application process involves connecting sellers' marketplace accounts to Creizer's prediction engine, which analyzes sales history and provides credit proposals within 72 hours. Borrowers benefit from prepayment options without penalties and grace periods without late fees. Creizer serves over 500 sellers in Mexico and has raised approximately $525,000 from investors including Y Combinator, Carabela, Angel Ventures Mexico, Asymmetry Ventures, and George Gordon. The company has demonstrated strong growth metrics and plans future expansion into restaurant delivery platforms and international markets including Chile and Colombia.