Afluenta is the first and only pan-regional, Latin American marketplace lending company with operations in Argentina, Mexico and Perú (and soon to have operations in Colombia and Brazil). We connect creditworthy individuals and SMEs with retail and institutional investors, complying with local regulations and with complete data transparency. Our advanced technology provides an innovative opportunity for lenders interested in getting better returns and investing in consumer and SMEs loans, without the burdens of a traditional financial intermediary. In Latin America, banks have a dominant position. Three of four banks in each market have a significant market share, but the ratio of consumer loans penetration vs. countries’ GDP remains significantly low when compared with more developed markets. Therefore, the role of P2P lending platforms is highly relevant to increase access to financial inclusion, with fairer credit conditions, and to provide an alternative investment asset.