First Principles
A loan decision in minutes, not months.
When the file is missing, you do not deny the business. You build the score from the data it already generates.
The bank's answer takes two months, and it is usually no.
Mexico City, 2013. Konfio, a data-driven lender for small businesses, was built to read the signals a firm already emits - invoices, sales, everyday behaviour - and score them in real time rather than wait on a statement the business never had. More than 80,000 companies have been backed this way over a decade, with payments, a card, and management tools on the same rail.
The founding decision that mattered: underwrite the life the business already lives, not the paper it lacks.
The Global South builds credit from the data in front of it.
Source: Konfio, 2025.