Tienda Pago is a mobile‑first financing platform that provides independent grocery, beverage, and convenience‑store operators in Mexico and Peru with instant working‑capital loans transferred via ACH and repaid on a fixed 7‑day schedule with transparent interest. The app also integrates supplier payments, a prepaid mobile‑top‑up engine, real‑time analytics, and API/SDK connectivity for existing POS and inventory systems.
Funding
$12M 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.
WSFounders
Product
Problem
Small retailers such as bodegas, bars, and restaurants often operate with limited cash on hand, making it difficult to purchase inventory, settle supplier invoices, or offer ancillary services like mobile top‑ups without tying up their working capital.
Solution
Tienda Pago provides a mobile‑first financing platform that delivers instant working‑capital loans directly to a merchant’s bank account. The solution lets merchants pay distributors and receive goods immediately, then repay the amount within a fixed 7‑day cycle, eliminating the need for cash on delivery. A built‑in mobile top‑up module enables sellers to generate additional revenue streams without cash handling. All onboarding is digital, requiring only a government ID and business verification, and the service operates with transparent interest rates and no hidden maintenance fees. Real‑time transaction data and a web dashboard give merchants visibility into cash flow and repayment status, helping them manage inventory and grow sales efficiently.
Target Audience
The primary customers are independent grocery, beverage, and convenience‑store operators in Mexico and Peru who need short‑term liquidity to restock inventory or expand service offerings.
Features
- Mobile app that issues instant credit lines and transfers funds via ACH to the merchant’s bank account.
- 7‑day repayment schedule with a single interest charge; no monthly fees or hidden costs.
- Integrated supplier payment gateway that settles invoices and triggers immediate merchandise delivery.
- Embedded mobile‑recharge engine allowing merchants to sell prepaid phone top‑ups directly from the app.
- Digital KYC workflow using ID verification and business‑type validation for rapid onboarding.
- API/SDK for seamless integration with existing point‑of‑sale (POS) systems and inventory software.
- Real‑time analytics dashboard showing loan balance, repayment progress, and sales metrics.
- Compliance stack that includes AML screening and secure data encryption meeting local financial regulations.