Addi Lending Platform

Addi is a Latin American Buy Now, Pay Later (BNPL) and embedded consumer credit platform that provides point-of-sale financing and installment payment solutions for online and offline merchants. It allows customers to purchase goods and pay over time while enabling merchants to increase conversion, ticket size, and sales through instant credit at checkout.

Addi operates as a dual-sided commerce and credit platform, combining merchant integration, consumer lending, and a proprietary credit decisioning engine powered by transaction and behavioral data. The company is headquartered in Bogotá and is one of the fastest-growing fintechs in the region.

Addi does not function as a traditional bank and does not operate like a deposit-taking financial institution. Instead, it provides consumer financing infrastructure and credit underwriting technology embedded directly into merchant checkout flows.

SERVICES

• Buy Now, Pay Later (BNPL): Enables consumers to split purchases into installment payments (e.g., “pay in 3” or longer-term financing depending on credit approval), directly at merchant checkout.
• Point-of-Sale Financing: Provides instant credit approval at checkout for both online and in-store purchases, allowing customers to finance goods without traditional credit cards.
• Merchant Embedded Credit: Integrates directly into merchant systems so customers can access financing seamlessly during the purchase journey, improving conversion rates and sales volume.
• Credit Decisioning Engine: Uses proprietary data signals (transaction history, device data, behavioral patterns, and merchant data) to evaluate credit risk in real time and approve or decline transactions instantly.
• Consumer Credit Platform: Manages consumer installment loans, repayment schedules, billing, and credit limits for approved users across partner merchants.
• Merchant Enablement Tools: Provides merchants with dashboards, APIs, and analytics tools to track sales performance, financing uptake, approval rates, and customer behavior.
• Payment & Installment Processing: Handles repayment schedules, installment collection, reconciliation, and transaction processing across multiple merchants and channels

Countries