Guama SAS

Based in Colombia, Guama SAS provides innovative financial solutions through a virtual VISA credit card, enabling individuals to build credit history without traditional barriers, supported by a user-friendly mobile application. Guama SAS, founded in 2023 in Bogota, Colombia, focuses on offering accessible credit solutions. The company completed its first deal and raised USD 1. 5 mn in a Seed funding round led by Salkantay Ventures, with participation from investors including Hustle Fund, Story Ventures, and Techstars.

The total amount raised by the company to date is USD 1. 5 mn. The founder's history and prior ventures are not publicly available. Guama SAS specializes in a virtual VISA credit card designed for users aiming to establish or improve their credit history.

The card is provided at no cost upon signing a contract, coupled with a mobile application for transaction management and real-time financial oversight. Guama's offerings target urban consumers in Colombia, especially first-time credit users and those with limited credit backgrounds. Their loyalty program, Guama Pro, incentivizes responsible credit use with rewards for timely payments and credit limit increases. Guama generates revenue through a monthly management fee of 9,000 COP for active card usage, in addition to a fee of 2,500 COP plus 2% on cash advances.

Optional features such as physical card issuance and digital wallet activation incur extra charges. The company's revenue model emphasizes transparency and aims to create a sustainable financial environment for its customers. In August 2025, Guama SAS raised USD 1. 5 mn in Seed funding aimed at expanding its product offerings and market reach.

The company plans to launch additional financial products catering to evolving consumer needs while also targeting expansion into new geographical regions. The recent funding will support these initiatives as Guama aims to enhance accessibility and user engagement.