Prestamype

Prestamype is a financial services company based in Peru that specializes in peer-to-peer lending solutions, offering mortgage-backed loans and factoring services to individuals and businesses seeking capital. Founded in 2017 in Lima, Peru, Prestamype focuses on providing innovative financial solutions. The company has successfully completed four deals, with its most recent being a funding round in August 2023. CEO Carlos Ferreyros leads the firm, which operates through its subsidiary, P2P Finance Consulting SAC.

In March 2026, Prestamype raised USD 27 million in equity and debt funding co-led by ALIVE, Oikocredit, and Salkantay Ventures, with participation from Lendable. Prestamype primarily offers two main financial products: mortgage-backed loans and factoring services. The mortgage-backed loans assist individuals in obtaining financing for various purposes such as business expansion and debt consolidation. Through P2P Finance Consulting SAC, Prestamype connects borrowers directly with lending investors.

The loan contracts range from 12 to 72 months, with an average total annual effective cost (TCEA) of 36%. Factoring services, provided by Factoring Prestamype SAC, allow businesses to exchange their accounts receivable for immediate liquidity, enhancing their cash flow management. Prestamype serves a diverse clientele in Peru, including individuals, entrepreneurs, and SMEs. Prestamype generates revenue from its mortgage-backed lending and factoring services.

The company charges interest along with additional fees related to loan processing for mortgage-backed loans, contributing to the overall TCEA. In the factoring services, revenue is derived from fees charged when clients sell invoices for quicker cash access. This approach facilitates effective financial management for clients while ensuring a steady revenue stream for Prestamype from both individual and business customers. The company plans to utilize the March 2026 funding to establish an investment fund manager with public financing to boost equity and secure more institutional debt.