Mesfix
“Can a peer-to-peer invoice marketplace replace bank factoring for Colombian SMEs without ever becoming a regulated financial institution?”
HQBogotá, Colombia
IndustryFintech / Lending
The story
Mesfix is Colombia's first crowdfactoring marketplace, founded as a Bogotá-based fintech connecting SMEs that need liquidity with retail investors who buy fractions of their receivables. The model is explicitly disintermediated — Mesfix never touches the money, routing all flows through Colombian PSP PayU. The company is supervised by the Superintendencia de Sociedades as a commercial brokerage rather than a regulated financial institution.
Last 12 months
—
Product timeline
2018
Won ANDI award for helping SMEs with liquidity problems via invoice factoring marketplace· lending
Regulated entities
1
regulatory licence held by Mesfix
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Mesfix’s embedded-finance stack
Payments / PSP
PayU
Lending
in the full report
Accounting gap: significant
3 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.