Finkargo

Finkargo is a trade-finance platform founded in 2021 in Bogota, Colombia, by Santiago Molina, Andres Ferrer, and Tomas Shuk. It helps small and mid-sized importers in Latin America finance and manage international purchases, addressing the working-capital gap that suppliers’ upfront payment terms create for growing importers.

The platform is organized into modules: Paga advances payments to suppliers, Analiza provides market and pricing intelligence, Verifica screens suppliers, and Protege offers warehouse-to-warehouse trade insurance, delivered alongside rotating credit lines of up to 2.7 million dollars with 30-to-150-day terms. Finkargo reports serving more than 570 Colombian importers and has expanded operations into Mexico.

1. Supplier advance financing: Paga pays suppliers upfront on behalf of importers, easing cash-flow pressure.

2. Rotating credit lines: Importers access revolving credit up to 2.7 million dollars with flexible terms.

3. Market intelligence: Analiza gives importers pricing and market data to negotiate purchases.

4. Supplier verification: Verifica screens overseas suppliers before an import transaction proceeds.

5. Trade insurance: Protege covers goods from warehouse to warehouse during international shipment.

6. Digital onboarding: The platform combines automated credit scoring with advisory support for importers.