We are a 100% intelligent digital credit factory, which with an internet connection on your PC or mobile application connects you to a financial or credit institution and allows you to make a credit application, applies the risk policies and payment capacity of the entity. When entering the link or the application you see the brand of the entity to which you are applying. In the linking process, you are asked to accept the processing of personal data, give the necessary access permissions. Our platform has a security and encryption system to safeguard your information. At the end of your application, you are presented with a credit offer that specifies the effective rate TEA, TEAC, the costs of the credit and items of additional costs of the entity that is giving you the credit. Upon completing the process of the entity's credit requirements, they are validated and upon approval of the credit, the entity disburses the credit. None of our clients ask you to advance any amount for the credit application process.

The terms of the credit, rates, terms depend on:
Country: Colombia and Peru and respective usury rates
Credit institution: financial institution, cooperative, commercial establishment
Product type: consumer, retail, SME, microfinance, agreement

Colombia
Consumption, agreement, retail (product delivery)
- Terms from 3 to 72 months
- Maximum TEA of 25% (depends on usury rate)
- Maximum TEAC (APR) of 45%

SME, microfinance
- Terms from 3 to 72 months
- TEA 52% (depends on usury rate)
- Maximum TEAC (APR) of 85% (depends on usury rate)

Peru
Consumption, agreement, retail (product delivery)
- Terms from 3 to 72 months
- TEA 30%
- Maximum TEAC (APR) of 50%

SME, microfinance
- Terms from 3 to 72 months
- TEA 120%
- Maximum TEAC (APR) of 150%

Offer example: It is shown in the credit offer of the lender:
You are offered a credit with Entity Name for your approval.
Credit details:
Approved amount: $ 250,000
Monthly life insurance (Amount paid while your credit is valid): $ 500
Annual effective rate (TEA): 24.69%
Total technology lease tax: $ 665
Guarantee (It is paid only once at the beginning of the credit): $ 14,575
Monthly nominal interest: $ 12,542

Total value of the credit: $ 281,782
Value of monthly installments: $ 70,447
Number of installments: 4
Payment period: Monthly

When required by TEAC regulations (APR) it is calculated including financial costs, insurance costs, and all other costs in the total amount of credit.