# Afluenta

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/afluenta

- Industry: Financial Services
- Headquarters: Buenos Aires, Argentina
- Website: www.afluenta.com
- Total disclosed funding: $8.8M
- Latest round: Series B (Mar 17, 2016)
- Investors on record: 3

## About

Afluenta SA is a pioneering company specializing in collaborative finance, particularly through its digital platform that facilitates peer-to-peer lending and investment opportunities for individuals and businesses.Founded in 2008 in Buenos Aires, Argentina, Afluenta SA operates a peer-to-peer lending platform that connects borrowers with investors. The company has engaged in 4 deals, with its most recent funding round being a Series B in July 2017, where it raised USD 8.00 mn from investors including Elevar Equity and the International Finance Corporation. The founder, Federico Guillerón, has a background in entrepreneurship, having previously established other ventures.Afluenta® offers a digital platform for peer-to-peer lending, enabling individuals to secure personal loans and businesses to obtain financing of up to USD 5,000,000 with repayment terms of up to 48 months. The platform connects eligible borrowers with investors looking for attractive returns, facilitating online transactions 24/7. Afluenta serves a diverse clientele across Argentina, Mexico, Peru, and the USA, providing competitive credit solutions without traditional banking intermediaries.Afluenta generates revenue by facilitating loans between individuals and businesses, with its Financial Total Effective Annual Cost (CFTEA) encompassing platform usage fees, interest, and taxes. The company operates on a commission model, earning fees from investors upon loan funding and repayment. Each loan transaction involves multiple investors funding a borrower's request, ensuring a direct interaction between those seeking credit and those willing to invest. The platform is designed for ease of use, with no maintenance fees and options for loan cancellation, catering to a wide range of borrowers and investors.Following its most recent deal in July 2017, Afluenta SA plans to leverage the funding received to enhance its platform and expand its service offerings. The company aims to explore new product launches and is actively seeking to grow its presence in additional markets, although specific regions and timelines have not been disclosed. Recent funding will support these initiatives, positioning Afluenta for future growth opportunities.

## Funding rounds

- Series B, Mar 17, 2016, $8M — International Finance Corporation, Elevar Equity
- Angel, Jul 1, 2011, $0.8M — NXTP Ventures

## Investors

- NXTP Ventures (https://capitalatlas.ai/funds/nxtp-ventures) — Angel
- International Finance Corporation — Series B
- Elevar Equity (https://capitalatlas.ai/funds/elevar-equity) — Series B