Unlocking Growth: Expanding Access to Finance for SMEs in Latin America
Jun 2023|Americas
At a glance
80,000+ loans delivered across Latin America
€150 million in financing unlocked for SMEs
Funds available in under 48 hours
Supporting business expansion, investment and job creation
Designed around real-time platform data and performance
Across Latin America, small and medium-sized enterprises (SMEs) are the backbone of the economy, representing over 90% of businesses and employing over 60% of the workforce. Yet many face a common barrier: limited access to capital. Traditional financing can be slow, complex and out of reach, preventing businesses from investing, expanding or hiring.
PedidosYa is helping to close the gap through PedidosYa Créditos, a fintech solution designed to provide fast, accessible funding to businesses operating on its platform.
Since launching in 2022, the program has delivered more than 80,000 loans, totalling approximately €150 million, to SMEs across Argentina, Chile, Ecuador, Peru, the Dominican Republic, El Salvador, Guatemala, Uruguay, Honduras and Bolivia. This process is fully digital, with funds typically available within 48 hours, and automated payments, deducted directly from their weekly sales, enabling businesses to act quickly on growth opportunities.
Partners often highlight how the simple, secure, and automated repayment structure makes the credit a reliable solution for solving immediate operational issues.
"When we started, the beer tap wasn't well-chilled and customers complained. PedidosYa Créditos was accessible and fast. The payment method was the determining factor – it's simple and secure, automatically discounted from our weekly sales."
PedidosYa partner
The model is designed to work with, not against, business realities. Loan amounts are tailored to each partner’s sales performance on the platform and repayments are automatically linked to future sales. This creates a more sustainable financing structure, reducing risk while supporting continued growth.
The Impact of a Single Order
For every
80,000+
loans delivered across Latin America
An additional
€150M
in financing unlocked for SMEs
The impact extends beyond individual businesses. By enabling SMEs to invest, expand operations and hire more staff, PedidosYa Créditos contributes to broader economic development across the region.
PedidosYa Créditos: helping SMEs access fast, flexible financing across Latin America.
As part of Delivery Hero’s wider ecosystem, this initiative demonstrates how platforms can go beyond connecting supply and demand, providing the financial infrastructure that helps businesses grow, scale, and succeed.
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