Preauth

Preauth is a Peruvian fintech company founded in 2021 by Luis Chau, Juan José Roca Rey, and Sebastián Burgos that develops collateral management technology for financial institutions and enterprises. The company operates in Chile, Peru, Argentina, Colombia, and Mexico, providing B2B infrastructure that enables lenders to secure payment guarantees through pre-authorized credit card holds as collateral. Preauth uses credit card pre-authorization technology to temporarily reserve funds on customer cards, allowing businesses to manage future payment obligations without immediate charges. This approach reduces default risk for lenders while facilitating credit access for borrowers. The company serves over 100 B2B clients including banks, fintechs, and retail companies, and has processed more than 35,000 pre-authorized transactions. Preauth's flagship consumer-facing product is Reevalúa, a financial inclusion platform that provides second-chance lending opportunities for individuals whose loan applications were previously rejected. Reevalúa works with over 40 financial institutions in Peru and serves approximately 10,000 people monthly, having helped alleviate approximately 50 million Peruvian soles in debt. The platform enables borrowers to declare collateral through credit card pre-authorizations to obtain financing. Preauth also offers Reevalúa for Business, which helps organizations improve employee financial wellness. The company recently launched a B2F unit providing technology to banks and financial institutions for credit recovery and placement through advanced collateral management. Preauth won the Fintech Financial Inclusion Award at Fintech Americas 2025 and participated in the Visa Fintech Accelerator program through Plug and Play Tech Center. The company has been recognized by organizations including CAF Development Bank of Latin America, Endeavor, and 500 Startups. Though incorporated in Delaware, United States, the company is headquartered in Lima, Peru, and is preparing to raise a seed round to scale operations across Latin America.