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Prestamype

“Can a Peruvian fintech become the dominant SME financial OS by combining invoice factoring, mortgage-backed lending, and free SaaS tools to own the credit lifecycle of micro and small enterprises?”

Founded2017
HQMiraflores, Lima, Peru
FoundersCarlos Ferreyros
Total raised$34M
Latest roundSeries A (Upcoming)
IndustryFintech / Lending

The story

Founded in 2017 as a mortgage-backed P2P lending platform in Peru, Prestamype has progressively broadened into a multi-product SME financial services marketplace. It added invoice factoring and confirming to diversify beyond real-estate-collateralized loans, then launched a free SaaS invoice-management tool (Ariana/Tandia) to deepen SME relationships and create a funnel for financing. The platform also introduced a private fund manager (Gestora de Fondos Privados) and currency exchange (Cambio Seguro) to capture more of investors' and borrowers' financial activity.

Last 12 months

2025-07

Ran investor campaign offering a S/500 Gift Card Cencosud prize to attract first-time factoring investors, accepting soles and USD investments from S/100 / $25.

2025-08

PitchBook lists a Series A of $27M as 'Upcoming', signaling an imminent large fundraise.

Product timeline

2017

Founded as a P2P lending marketplace in Peru connecting SMEs with individual investors via mortgage-backed loans.· lending

2021

Closed seed funding round and expanded into factoring (invoice discounting) as a second product line.· lending

2022

Closed bridge round; expanded product suite to include confirming (reverse factoring) and securitization trust financing.· lending

2023

Raised US$5M Pre-Series A led by ALIVE and Oikocredit — largest Pre-Series A equity round ever raised by a Peruvian fintech at the time.· lending

2024

Launched Ariana, a free SaaS invoice management platform (Tandia system) for SMEs, integrating financing options within the tool.· pivot

2025

Launched mortgage credit (crédito hipotecario) for home acquisition and added 'Cambio Seguro' FX service (USD/PEN exchange).· banking

Regulated entities

regulatory licence held by Prestamype

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

The stack

1 layer disclosed in Prestamype’s embedded-finance stack

Lending

Préstamos con garantía hipotecaria (mortgage-backed loans up to S/2M)Factoring (invoice discounting, same-day liquidity)Confirming (reverse factoring / supplier payment advance)Financiamiento mediante Fideicomiso en Titulización (securitization trust financing)Crédito hipotecario (home acquisition mortgage)Préstamo Mujer Imparable (women-focused mortgage loan from S/15K)

Accounting gap: significant

Prestamype — frequently asked

Who founded Prestamype?

Prestamype was founded by Carlos Ferreyros and is founded in 2017, headquartered in Miraflores, Lima, Peru.

How much funding has Prestamype raised?

Prestamype has raised $34M in total (latest round: Series A (Upcoming)).

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