Credit infrastructure for employers, organizations and associations.
Organized communities are locked out of affordable, structured credit solutions.
Employees organized in unions and other communities are excluded from traditional credit pipelines.
Formal and informal lenders charging rates above 150% annually to underserved segments.
The rigidity of traditional scoring excludes people who do have payment capacity.
Camelus reduces risk by leveraging institutional channels for origination and repayment.
Institutional channel
Risk & origination engine
Structured credit products
Institutional collection
A profitable and solidly growing company with consistent metrics since mid-2024.
$437K (USD)
$322K
6
22,000 affiliates — 6.5% take rate at ARS 100K = $1M USD deployment
Requires $1M USD to begin — waiting for DEBIN implementation
Close to signing — requires min $1M USD to begin
201
Avg Monthly Operations
~20
Active payroll clients renew credits recurrently
Client Retention
70%
Of clients who finished paying, 70% took another loan.
Institutional repayment channels deliver best-in-class portfolio performance.
We collect through payroll deduction, ensuring repayment directly from the employer before salary disbursement.
For loans above $2,000 USD, we require additional guarantees to further mitigate credit risk.
Strong margins driven by institutional repayment and low cost of risk.
Diversified revenue model with clear path to additional income sources.
* 2026 partial (year to date)
Gross income from credit operations
Gross income from check discounting operations
Structured payroll-linked lending represents one of the largest opportunities in LATAM financial services. Camelus leverages institutional networks to scale this model rapidly.
40%+ of adults in LATAM remain under-banked, creating structural credit demand.
Payroll-linked credit significantly reduces default risk via verifiable income flows.
Financial APIs, digital onboarding and alternative scoring enable efficient scaling.
~136M formal workers
TAM: Total payroll-linked lending in LATAM. SAM: Formal employees within Camelus target markets. SOM: Projected penetration via institutional partnerships in 5 years. Sources: World Bank, ILO, Central Banks of Argentina, Brazil, Colombia, Mexico, Chile and Peru.
Building the ecosystem with leading financial infrastructure providers.
Partners — Objectives
Camelus connects capital, financial infrastructure and organized communities to create a scalable credit ecosystem.
Camelus combines technology infrastructure, institutional distribution and risk management to build a platform that is hard to replicate.
Operates through organized communities — employers, unions, public employees, cooperatives — radically reducing CAC, credit risk and churn.
Scoring based on labor data, institutional history and portfolio behavior delivers lower default and better pricing.
Proprietary platform integrating origination, scoring, portfolio management and institutional collection.
Origination + servicing + risk management with capital from credit funds, banks and family offices — scales without large equity rounds.
Camelus builds a financial infrastructure based on organized communities, where the combination of institutional distribution, proprietary technology and associated capital creates a structural advantage that is hard to replicate.
The convergence of fintech regulation, digital infrastructure and structured credit demand creates a unique window to scale the Camelus model.
Platforms like Pomelo, Visa/Mastercard fintech programs, BaaS and Open Finance enable card issuing, wallets, instant payments and API integrations — what once required a bank can now be built as a fintech platform.
40%+ of LATAM adults remain under-banked. 130M+ formal workers rely on informal credit. Payroll-linked lending reduces risk and expands access.
Institutional funds are financing fintechs via warehouse facilities, credit funds and co-lending structures — enabling capital-light, asset-backed origination models like Camelus.
Organizations are adopting embedded financial platforms — employee benefits, community financial services — creating new distribution channels for structured credit.
Camelus connects capital, financial infrastructure and organized communities to create the next generation of structured credit in Latin America.
Clear allocation plan with defined milestones and path to Series A.
Co-Founder & CEO
Lawyer and Accountant specialized in structured finance. CNV producer agent. Former PriceWaterhouse.
Co-Founder & CTO
Electronics Engineer with 15+ years in industrial project management and technology. Former Arcor. 5 years working in Africa.
Co-Founder & CCO
Communications & institutional relations. Speaks 4 languages with deep institutional experience.