Adalberto Flores Ochoa
Co-founder & CEO
Kueski
Kueski is a Mexican fintech that offers fully digital personal loans of MXN 200‑26,000 with instant approval and flexible repayment, using encrypted data and regulator‑approved credit scoring. It also provides Kueski Pay, a buy‑now‑pay‑later service that lets consumers shop online or in‑store without a credit card while merchants receive immediate payment and avoid charge‑backs.
- Financial Technology
Updated yesterday
Funding
Raised to date
$23.3MRaised 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.
+1Funding rounds are not available yet.
Founders
Product
Problem
Many Mexican consumers lack fast, affordable access to credit for personal needs or online purchases, especially if they do not have a credit card or must travel to a bank, leading to delays and limited purchasing power.
Solution
Kueski provides a fully digital platform that issues personal loans ranging from MXN 200 to MXN 26,000 with decisions in minutes and flexible repayment terms. The service operates 100 % online, requiring only basic identification and a bank account, and uses encrypted data handling under supervision of CONDUSEF and the CNBV. In parallel, Kueski Pay enables a buy‑now‑pay‑later experience, allowing users to shop at thousands of online and physical retailers without a credit card, splitting payments into installments while merchants receive immediate payment and avoid charge‑back risk. Both products are accessible via a mobile app and web portal, where users can manage requests, view balances, and receive notifications. The platform’s risk assessment relies on proprietary algorithms that evaluate creditworthiness in real time, enabling rapid funding and repeat borrowing once prior obligations are settled.
Target Audience
Primary customers are Mexican adults aged 18 + who need short‑term financing or wish to purchase goods without a credit card, as well as retail merchants seeking to offer credit‑based payment options to boost sales.
Features
- Instant online loan approval for amounts up to MXN 26 000, with customizable repayment periods and early‑payment discounts
- End‑to‑end encryption and compliance with Mexican financial regulators (CONDUSEF, CNBV) for secure data handling
- Kueska Pay BNPL integration with thousands of partner merchants, supporting both e‑commerce and brick‑and‑mortar stores
- Mobile app and web dashboard for loan management, payment scheduling, and real‑time transaction notifications
- Proprietary credit‑scoring engine that assesses eligibility without requiring a traditional credit history or collateral
- Merchant solution that guarantees immediate settlement, reduces fraud exposure, and offers promotional tools for increased sales