Afluenta operates a fully digital peer‑to‑peer lending platform that matches Argentine borrowers with retail investors, using an automated credit‑scoring engine to assign fixed‑rate loans up to ARS 5 million. The service handles end‑to‑end onboarding, escrow disbursement, and repayment collection, while providing investors with real‑time portfolio analytics and risk‑grade filters under Central Bank regulation.
Funding
$3.5M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Traditional banking channels often impose high interest rates, lengthy approval cycles, and strict collateral requirements, which restrict access to affordable credit for individuals and small‑to‑medium enterprises. At the same time, retail investors have limited avenues to allocate capital directly into consumer‑grade loan assets without intermediary fees or complex paperwork.
Solution
Afluenta operates a fully online peer‑to‑peer lending marketplace that digitally connects borrowers with individual investors. Prospective borrowers complete a 24/7 registration and submit financial documentation, after which an automated credit‑scoring engine evaluates eligibility and assigns a fixed‑rate loan offer. Approved loan requests are posted on the platform, allowing investors to fund them partially or in full through a secure escrow mechanism. Once fully funded, the loan amount is transferred to the borrower’s bank account, and repayments are collected automatically and distributed to investors on a predefined schedule. The platform provides a web‑based dashboard where investors can monitor portfolio performance, diversify across multiple credit profiles, and reinvest proceeds. All transactions are conducted under the regulatory oversight of the Central Bank of Argentina as a registered Provider of Credit Services between individuals.
Target Audience
The primary users are Argentine residents—individuals and legally established SMEs—seeking unsecured credit, and retail investors looking for fixed‑income returns through diversified consumer loan exposure.
Features
- End‑to‑end digital onboarding for borrowers and investors, including identity verification and electronic signature workflows.
- Proprietary credit‑scoring algorithm that assesses risk based on income, employment history, and payment behavior to assign fixed interest rates.
- Automated escrow and settlement system that disburses funds to borrowers only after full funding, and routes repayment streams back to investors.
- Fixed‑rate loan contracts with transparent amortization schedules ranging from 3 to 48 months and amounts up to ARS 5 million.
- Investor portal offering real‑time portfolio analytics, risk‑grade filters (AA‑F), and automated reinvestment options.
- Compliance framework aligned with Argentine financial regulations, including audit trails and data encryption for all personal and transaction data.
- No upfront fees for borrowers or investors; platform revenue derived from transaction‑based service fees embedded in loan pricing.