We help established fintechs scale into their next growth phase through non-dilutive, structured financing from institutional sources.
Asset allocators can access exclusive deal flow with full FX hedging, 100% collateralization, and a low risk profile.
We offer practical experience with different types of vehicles and instruments: funds, SPVs, notes, debentures and true sale.
What we offer
Funding
Asset Origination
Structuring and Audit
The blue ocean financing gap
Latam Capital is built on over a decade of experience structuring credit and scaling fintech platforms across Latin America, including sub-acquiring and digital payments.
As high-growth companies reach scale, many enter a well-known inflection point, they are too large to fund growth solely through internal cash generation, yet still below the threshold of traditional bank balance sheets. Venture equity can be dilutive, expensive, and slow, leaving a meaningful financing gap across a broad set of high-quality fintechs.
We fill that gap with structured, asset-backed growth capital, delivering institutional-grade underwriting, disciplined risk management, and scalable financing solutions tailored to the region’s leading fintech operators.
Public sector payroll loans are repaid via monthly installments deducted directly at source from the borrower’s salary, supporting lower pricing for the consumer and reducing default risk for credit originators.
Automated settlement:
Loan installments are deducted directly from the government payroll each month.
Government backed:
Local government officials follow strict regulation since payroll loans are classified as Salary payment and not regular loans.
Consumers pay using in average ~6 months installments, which drives demand from merchants to advance card receivables.
Automated settlement:
Automated settlement, independent registries transfer receivables ownership on regulated networks, ensuring the investor is paid directly into its account by the issuer bank. Removing the need to charge the merchant or consumer.
No fraud or chargeback default:
Issuing bank owns the payment to the investor, even if the consumer don't pay their credit card bill, or the individual transactions triggers chargeback.
Financing opportunities by
Credit card receivables
Payroll deduction loans
Asset class
