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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
2025-08
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
1
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