R2 offers an embedded finance platform that enables digital marketplaces, delivery apps, and other platforms in Latin America to provide revenue‑based loans to their SMB merchants. Using the host platform’s transaction data, its AI-driven underwriting delivers pre‑approved, dynamic loan offers with repayments automatically tied to sales, while R2 assumes the credit risk and handles compliance. The solution integrates via API and UI components in weeks, giving merchants fast, flexible capital without the partner building its own lending infrastructure.
Funding
$9M 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.
3OCHVFounders
Product
Problem
SMEs and merchants in Latin America often lack timely, flexible credit because traditional banks require extensive documentation, offer fixed repayment schedules, and are slow to approve loans, limiting their ability to scale with sales growth.
Solution
R2 provides an embedded finance platform that lets digital marketplaces, delivery apps, and other platforms offer revenue‑based financing directly to their merchants. By leveraging the host platform’s transaction data, R2’s AI models generate pre‑approved, dynamic loan offers that adjust repayment amounts to the merchant’s sales volume. The entire lending workflow—from application to verification, compliance, and servicing—is delivered via an API that integrates into the partner’s product in weeks, without the partner assuming credit risk. Merchants receive fast access to capital through a frictionless, in‑app experience, while repayments scale proportionally with revenue, aligning financing costs with business performance.
Target Audience
R2’s primary customers are digital platforms operating in Latin America—such as marketplaces, food‑delivery services, and e‑commerce aggregators—that want to embed financing for their network of SMB merchants.
Features
- AI‑driven underwriting that uses real‑time sales and payment data to assess creditworthiness and personalize loan terms
- Revenue‑share repayment model where repayments are automatically deducted as a percentage of merchant sales
- Fully embedded API and UI components that allow partners to launch lending services without building their own infrastructure
- End‑to‑end compliance, verification, and risk management handled by R2, removing regulatory burden from partners
- Continuous loan offers refreshed monthly, enabling merchants to access new capital as their business grows
- AI‑powered support agents that provide 24/7 servicing and answer merchant inquiries without adding load to the partner’s team