Credit as a Service — Corporate LATAM

Capital moves
when you decide.
No bank required.

SK is the first AI-native credit infrastructure for corporate Latin America. Banks, fintechs, and enterprises deploy supply chain finance, credit lines, and BNPL — via API, in days.

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$2.4B
Credit Facilitated
6
Active Markets
48h
Avg. Integration Time
Supply Chain Finance Corporate Credit Lines Enterprise BNPL Invoice Financing AI Risk Decisioning Embedded Banking KYB Automation Real-Time Underwriting Supply Chain Finance Corporate Credit Lines Enterprise BNPL Invoice Financing AI Risk Decisioning Embedded Banking KYB Automation Real-Time Underwriting
Trusted by leading financial institutions across Latin America
Bancolombia Nubank Mercado Pago BBVA Mexico Itaú Rappi Pay
Core Products

Every credit product.
One infrastructure.

From supply chain financing to embedded BNPL, SK powers every credit use case your corporate clients require — without building the underlying infrastructure.

01 — B2B

Supply Chain Finance

Enable buyers and suppliers to optimize working capital through early payment programs, dynamic discounting, and reverse factoring — fully automated and compliant.

Working Capital
02 — API-First

API Credit Lines

Embed revolving credit lines directly into your ERP, marketplace, or banking platform. Pre-approved limits, real-time draws, and instant settlements via REST API.

Embedded Credit
03 — B2B & B2C

Enterprise BNPL

Buy Now Pay Later for corporate procurement. Allow business clients to purchase on net-30/60/90 terms while you receive immediate funding with no credit risk.

Deferred Payment
04 — Factoring

Invoice Financing

Convert accounts receivable into immediate liquidity. AI-driven invoice verification, automated KYB, and same-day funding for qualifying corporate entities.

Receivables
05 — AI Engine

Credit Decisioning

Proprietary risk models trained on LATAM corporate data — analyzing 200+ signals including bank flows, trade history, and ERP data for real-time credit assessment.

Risk Intelligence
06 — Infrastructure

Banking Connectivity

Native integrations with LATAM banking rails, payment infrastructure, and regulatory frameworks. Deploy across six markets through a single, unified API layer.

Payment Rails
Integration

Weeks of setup.
Not years.

01
Connect via API
Integrate SK's REST APIs or use pre-built SDKs for your technology stack. Comprehensive documentation, sandbox environment, and dedicated technical support included from day one.
02
Configure Credit Parameters
Define credit limits, repayment structures, risk appetite, and product branding. SK's AI models adapt dynamically to your portfolio composition and client base characteristics.
03
Deploy and Scale
Clients apply and receive approval within minutes, with same-day funding. SK manages KYB verification, regulatory compliance, collections, and portfolio reporting automatically.
POST /v1/credit/assess
Live
// Request { "company_id": "corp_mx_28471", "product": "supply_chain_finance", "requested_limit": 250000, "currency": "MXN" } // Response — 840ms { "status": "approved", "approved_limit": 220000, "risk_score": 87.4, "kyb_verified": true, "funding_eta": "same_day", "credit_terms": "net_60" }
Capabilities

Everything you need.
Nothing you don't.

Every layer required to deploy compliant, scalable credit products across Latin America — without building or maintaining the underlying infrastructure.

01

AI-Native Underwriting

Models trained on LATAM corporate data. Analysis extends beyond bureau scores to include cash flow patterns, trade relationships, and real-time ERP signals.

02

Built-in Compliance

KYB, AML, and local regulatory compliance managed by SK across all operating markets. No requirement to build or maintain separate compliance stacks per country.

03

Off-Balance Sheet Risk

SK assumes full credit risk, enabling capital-light product deployment. Offer institutional credit facilities without NPL exposure or the burden of collections operations.

04

Rapid Integration

Pre-built connectors for SAP, Oracle, Salesforce, and major LATAM ERP platforms. From API key issuance to live disbursements in under 48 hours.

05

Portfolio Intelligence

Real-time visibility into portfolio performance, utilization rates, repayment health, and risk concentration metrics — live for every client entity on your platform.

06

Local Payment Rails

Native connectivity to SPEI, PIX, PSE, and regional LATAM payment systems. Instant disbursements and collections in local currency with no foreign exchange friction.

Coverage

One API.
Six markets. Zero friction.

Deploy credit infrastructure across Latin America through a single API. SK manages each country's local banking requirements, regulatory obligations, and tax frameworks natively.

View Coverage Details
Mexico
SPEI · Banxico
Brazil
PIX · Bacen
Colombia
PSE · Superfinanciera
Chile
TEF · CMF
Peru
CCI · SBS
Argentina
CBU · BCRA
Get Started

Deploy credit.
Own the future.
Start in 48 hours.

Join the financial institutions using SK to power the next generation of corporate credit infrastructure across Latin America.