“Can a peer-to-peer invoice marketplace replace bank factoring for Colombian SMEs without ever becoming a regulated financial institution?”
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.
Mesfix processes payments through PayU.
Mesfix's lending and capital products are provided by Mesfix (in-house marketplace).
The Embedded Finance Index 2026 maps 2 layers in Mesfix's stack: Payments / PSP (PayU); Lending (Mesfix (in-house marketplace), Crowdfactoring marketplace - sale of receivables/invoices at discount and Invoice auction with investor bidding).
Mesfix is headquartered in Bogotá, Colombia.
Get a read on where your own stack stands against Mesfix and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.