24%
Profit margin
With Kreko I've been able to have a stable job and even buy a motorcycle. My store grew more than I ever imagined.
SC
Sheryli Caballero
Buen Día Trinidad · Bogotá · Trinidad
Your store deserves to grow. We help you get there.
Kreko is your co-pilot: we help you operate better, understand your business, and access the credit you need to grow.
The Kreko network
Real stores. Real data. Real credit.
Different neighborhoods, different owners, one operating system. Every storefront with the Kreko sign is a shop running better and accessing credit.
Kreko
Mini Market San Rafael
Bogotá · San Rafael
Kreko
Buen Día Trinidad
Bogotá · Trinidad
Kreko
Distrito Graffiti
Bogotá · Mini Market
And more joining every month.
The Kreko network, in numbers
Stores that were invisible to the system are now growing, earning, and accessing credit.
0
Active stores in the network
And scaling every month.
0%
Default rate on credit issued
Risk model built on real operating data.
+0%
Monthly sales growth
Network average.
0%
Women-led stores
Financial inclusion in action.
A 2M+ neighborhood store market in LATAM. Kreko makes them financeable.
For your store
We know how hard it is to run a store. That's why we built Kreko.
Over 600,000 stores close every year in LATAM
Not because the market is small, but because no one has given these stores the tools to survive.
A co-pilot for your day to day
We help with purchasing, inventory, pricing, and business decisions. Like having an expert partner, but digital.
Fair and fast credit
Working capital, buying credit, and equipment financing. No lines, no endless paperwork.
Full business visibility
Understand how much you sell, which products bring the most profit, and how your cash flow looks — all in one place.
740,000 new stores open every year. We want yours to be one that thrives.
How it works
Three steps. Each one takes you further.
1
We support you
A smart assistant for your store.
Operations, purchasing, cash flow — automated in real time. You focus on selling, Kreko handles the rest.
2
We understand you
Every sale builds your financial profile.
With your POS data we build your Kreko Score — your real credit history, not the one banks say you don't have.
3
We finance you
Once we know your store, we can lend to you.
Working capital, equipment investment, and buying credit — all backed by how your business operates.
We support you. We understand you. We finance you.
Your digital assistant
Like having a manager who never sleeps.
Your store operates with the same discipline as a big chain — at a fraction of the cost.
Growth Agent
Dynamic pricing, automatic orders, supplier management. Helps you sell more and better.
Operations Agent
Anticipates what you'll need, automates restocking, and organizes your store's daily routine.
Control Agent
Cash flow, accounting, anomaly detection. Know exactly how your business is doing.
Your Kreko Score
Access the credit you deserve.
Banks ask for a history you don't have. We build your profile with real data from your store.
01
You use Kreko
Your POS and inventory generate real-time data about how your store operates.
02
We build your Score
A 100% proprietary score that reflects the real health of your business.
03
We assess your credit
Our model analyzes your sales, variability, and supplier relationships.
04
You get financing
The amount is adjusted to your cash flow and repaid automatically from your sales.
Simulate your Kreko Score
This is how we underwrite a store.
Move the sliders as if it were your store. Kreko turns operations into a credit history — and that history into a credit line.
US$2,500
18 mo
60%
Values are estimates. The real model uses 50+ signals per store.
Kreko Score
536
/ 900
G
Growing
Working capital and purchase credit.
Available credit line
US$2,300
Adjusts to cash flow and auto-repays from every sale.
Financial Products
Credit designed for your reality.
Working Capital
Liquidity for daily operations. Deployed and repaid automatically through your daily sales.
Equipment & Infrastructure
Financing for fridges, POS hardware, and store upgrades. Backed by your Kreko Score.
Buy Your Store
Want your own store? We finance the purchase and you join the Kreko network from day one.
Working Capital
Liquidity for daily operations. Deployed and repaid automatically through your daily sales.
Equipment & Infrastructure
Financing for fridges, POS hardware, and store upgrades. Backed by your Kreko Score.
Buy Your Store
Want your own store? We finance the purchase and you join the Kreko network from day one.
Success stories
What our store owners say.
+10%
In monthly sales
“I just focus on serving my customers and Kreko helps me with everything else. It's like having a partner that never sleeps.”
LS
Laidy Soto
Minimarket San Rafael · Barrio San Rafael
6 months
To profitability
“I wanted to open a business and Kreko helped me with everything. In 6 months I'm already profitable.”
EC
Edni Castillo
Distrito Graffiti · Bogotá · Mini Market
Financial inclusion
100% of our stores are women-led.
In LATAM, millions of women sustain the neighborhood economy from their stores. Kreko exists to give them the tools, credit, and technology they always deserved.
Every store we open is a woman conquering her financial independence.
100%
Women-led stores
0%
Credit default rate
8
Active women entrepreneurs
Ready to grow your store?
Join the network of stores already operating better and accessing credit with Kreko.