R2 is an embedded lending infrastructure provider that enables platforms to seamlessly offer capital to their small and medium-sized business (SMB) customers across Latin America. R2 empowers fintechs, marketplaces, and other platforms to integrate lending solutions directly into their products, helping underserved SMBs gain access to working capital and growth financing.
R2's core offering is a technology platform that handles underwriting, risk management, and loan servicing on behalf of its partners. By embedding R2’s infrastructure, platforms can launch financial products tailored to their SMB users without needing to build lending capabilities from scratch. This approach addresses the significant credit gap in Latin America, where many SMBs struggle to access affordable financing through traditional banks.
What technology breakthrough does R2 leverage?
R2 leverages data-driven underwriting, automation, and API-based integrations to streamline the lending process for both partners and end users. Its technology analyzes alternative data from platform partners—such as transaction history and payment flows—to assess creditworthiness and offer capital in a way that is faster and more inclusive than legacy financial institutions. Automated workflows reduce manual intervention, increase speed to funding, and lower operational costs.
Who uses R2?
R2 primarily serves B2B platforms, fintechs, and marketplaces with a strong presence in Mexico and throughout Latin America. Their customers are typically digital platforms seeking to add value for their SMB user base by providing embedded finance solutions. This model helps platforms deepen customer relationships, while SMBs benefit from easier access to credit. R2’s infrastructure is especially valuable in regions where access to traditional banking remains limited.
Who are R2's competitors?
R2 operates in the fast-growing Latin American fintech and SME lending space. Key competitors and similar platforms include:
- Konfío: The largest online lending platform for SMBs in Mexico, providing digital loans and financial solutions.
- Xepelin: Operates in Mexico and Chile, offering financial services and working capital to SMEs via a digital platform.
- Loans4SME: A curated marketplace connecting businesses with debt providers through peer-to-peer lending.
- Provenir: Provides intelligent decisioning and automation for SME lenders to increase loan approvals efficiently.
- Cordada: A private debt platform serving lenders and fintechs focused on Latin American SMEs.
- Green Finance LAC Platform: Focuses on facilitating green finance for development banks and financial institutions in Latin America.
These companies each address different facets of the SME lending challenge, from direct lending to infrastructure and decisioning platforms. R2 differentiates itself by focusing on a fully embedded, B2B2B model designed to power other platforms’ lending capabilities rather than offering loans directly.
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