Kala
B2B2C platform unlocking secured credit access for underserved segments in Latin America.
Fund III
Manuel Aleman, Rodolfo Lazo, Pablo Cattolica
2022
Why we invested
Credit access remains a major challenge for businesses and consumers in Latin America. Kala’s B2B2C platform tackles this gap by offering secured loans through embedded finance, enabling companies to provide financing solutions directly to their customers.
After iterating on its business model, Kala refined its focus on secured lending, leveraging automation to streamline origination and underwriting. Its platform ensures capital efficiency while mitigating risk, positioning it as a key player in alternative lending.
The founding team brings extensive financial services and technology expertise, with backgrounds in fintech infrastructure and credit operations. Their ability to structure strategic partnerships has been instrumental in securing funding and expanding Kala’s reach.
With a growing network of partners and a strong credit underwriting framework, Kala is well-positioned to scale. By addressing LatAm’s credit penetration gap with a data-driven approach, it is unlocking new opportunities in the region’s evolving financial landscape.
Our vision for
the future
01.
Traditional credit models will give way to embedded lending, allowing consumers and businesses to access financing seamlessly within everyday transactions. Loans will be integrated into e-commerce, B2B marketplaces, and service platforms.
02.
AI-powered underwriting will redefine risk assessment, leveraging behavioral and transactional data to provide real-time credit decisions. This will expand financial inclusion, enabling more people and businesses to access fair, data-driven financing.
03.
Flexible payment solutions will become the norm. Businesses will offer customers built-in installment plans and BNPL (buy now, pay later) options, increasing purchasing power while reducing default risks through automated repayments.
04.
As credit access becomes more decentralized, traditional financial institutions will partner with fintechs to expand their lending reach. The next wave of credit innovation will prioritize speed, personalization, and seamless integration into digital ecosystems.