Yotepresto
#1 P2P lending marketplace connecting borrowers with individual and institutional investors in Mexico.
Fund II
Luis Rubén Chávez
2018
Why we invested
Access to affordable credit remains a challenge for many Mexicans, with banks catering primarily to high-income individuals. Yotepresto is democratizing credit through a peer-to-peer lending model that connects borrowers with investors, offering lower rates and better returns.
Unlike traditional lenders, Yotepresto eliminates the inefficiencies of banking intermediaries, using a tech-driven credit scoring system to assess risk and match borrowers with suitable investors. This approach reduces costs and improves access to fair financing.
The founding team brings extensive experience in financial services and risk management, ensuring a robust underwriting model. Their focus on data-driven lending and regulatory compliance has positioned Yotepresto as a leader in Mexico’s fintech landscape.
As fintech adoption grows in Latin America, Yotepresto is poised to expand its platform and diversify its financial products. With strong traction and a scalable business model, the company is transforming how credit is accessed and distributed in the region.
Our vision for
the future
01.
Traditional lending will continue to lose market share to peer-to-peer and decentralized lending platforms. AI-powered underwriting will make credit decisions instant, reducing reliance on banks and enabling fairer interest rates.
02.
Financial inclusion will expand as fintechs leverage alternative data for credit scoring. Borrowers with no formal credit history will access loans based on transaction behavior, income patterns, and social trust indicators.
03.
Tokenized lending will emerge, with blockchain-based smart contracts automating loan agreements. Investors will diversify portfolios by funding microloans globally, reducing risks through decentralized credit pools.
04.
Embedded lending will become a key feature in digital platforms. Marketplaces, payroll systems, and B2B services will integrate instant credit solutions, enabling businesses and consumers to access financing seamlessly at the point of need.