Kreko provides a cloud‑based operating system that combines POS, inventory, dynamic pricing, and supplier management for independent Latin American retailers. The platform continuously generates a Kreko Score from sales data to offer instant, data‑driven working‑capital and equipment loans that are repaid automatically from daily transactions, while also delivering cash‑flow monitoring and automated reordering tools.
Funding
Funding not disclosed
Founders
Product
Problem
Small retail stores in Latin America often lack integrated tools to manage point‑of‑sale, inventory, pricing, and cash flow, and they cannot build a credit history that banks accept, leading to high closure rates due to insufficient operational support and financing.
Solution
Kreko offers a cloud‑based operating system that unifies POS, inventory, dynamic pricing, and supplier management into a single digital platform for independent shops. The system continuously captures sales data to generate a proprietary Kreko Score, which serves as a real‑time credit profile. Based on this score, Kreko provides fast, data‑driven working‑capital loans, equipment financing, and other credit products that are disbursed within hours and repaid automatically from sales. The platform also includes automated purchasing, cash‑flow monitoring, and anomaly detection, giving store owners visibility into profitability and operational health. By acting as a digital co‑pilot, Kreko helps retailers increase sales efficiency, reduce stockouts, and access affordable financing without traditional paperwork.
Target Audience
Primary customers are independent neighborhood retailers and mini‑markets in Latin America that need unified operations management and quick access to credit, especially women‑owned stores.
Features
- Integrated POS and inventory module with real‑time sales tracking
- Dynamic pricing and automated reordering agents that optimize margins and stock levels
- Cash‑flow dashboard and anomaly detection for continuous financial visibility
- Proprietary Kreko Score generated from over 50 operational signals to assess creditworthiness
- Instant working‑capital, equipment, and purchase financing linked to the store’s sales flow
- Automatic loan repayment deducted directly from daily transactions
- Mobile‑first interface designed for small neighborhood stores, including women‑led businesses