cumplo

Cumplo is a peer-to-peer lending and collaborative financing platform that connects small and medium-sized enterprises with investors across Latin America. Founded in 2011 in Chile by Nicolas Shea and Jean Boudeguer, the company operates as one of the largest SMB lending networks in the region, utilizing technology to democratize access to capital for businesses traditionally underserved by banks. The platform enables SMEs to request financing through loans, invoice factoring, and advance payment products, which are then published as investment opportunities for individual and institutional investors. Cumplo's business model allows companies to use unpaid invoices as collateral and provides short-term working capital solutions that offer faster and more flexible terms than traditional banking channels. The platform has facilitated over 890 million dollars in financing across more than 3,300 SMEs throughout its history. Cumplo expanded operations to Mexico and has maintained a presence in Ciudad de Mexico, offering its collaborative financing services to Mexican businesses and investors. The company has raised approximately 64.7 million dollars from investors including Fasanara Capital, Hi Ventures, and Venturance Alternative Assets, and participated in Mastercard's Start Path accelerator program. Cumplo achieved B Corporation certification, becoming the first Latin American fintech to earn this distinction, reflecting its commitment to social and environmental impact alongside financial returns. The platform emphasizes transparency in its lending process, where investors can diversify across multiple loan opportunities, and borrowers benefit from interest rates generally lower than traditional financial institutions. Cumplo's operations in Mexico serve the local SME market with invoice financing and working capital products tailored to businesses seeking liquidity solutions outside conventional banking systems.