R2
Leading embedded lending powerhouse fueling SME growth with working capital via digital platforms.
Fund III
Roger Larach, Roger Teran
2024
Why we invested
Small and medium-sized businesses (SMBs) in Latin America struggle to access financing, limiting their growth potential. R2’s embedded lending platform enables digital platforms to offer capital directly to SMBs, unlocking new financing opportunities.
By integrating with e-commerce platforms, marketplaces, and fintechs, R2 provides seamless credit solutions tailored to merchants’ cash flow needs. Its data-driven approach ensures better risk assessment and loan performance.
The founders have strong backgrounds in fintech and risk management, bringing deep expertise in credit underwriting and lending infrastructure. Their strategic execution has positioned R2 as a key player in embedded finance.
As demand for SMB credit continues to grow, R2’s platform is becoming a crucial enabler of financial inclusion. With expanding partnerships and a scalable model, the company is set to reshape access to capital for businesses across Latin America.
Our vision for
the future
01.
SMBs will increasingly access capital through the platforms they use daily. Embedded lending will replace traditional banking, allowing businesses to secure financing seamlessly within e-commerce, POS, and marketplace ecosystems.
02.
AI-powered credit underwriting will become more precise, leveraging transactional and behavioral data instead of traditional credit scores. This will unlock lending for millions of underbanked businesses, driving economic growth and financial inclusion.
03.
Real-time cash flow management tools will be integrated into lending solutions, enabling businesses to automate loan repayments, optimize working capital, and prevent liquidity crises. Lending will shift from reactive to proactive financial support.
04.
As digital platforms scale, embedded lending will become a competitive advantage. Marketplaces, SaaS providers, and fintechs will embed financial services to retain SMB customers, creating a seamless ecosystem for growth and operational efficiency.