In the 90’s Juan Esteban Saldarriaga. He ran in Europe, but due to health problems he abandoned the competitions aboard his little steel horse. So his future shifted away from bicycle racing to economy models after studying management engineering.
Situation that led him to become a forerunner of the financial technology in the country, a matrix made up of companies that use financial technologies to automate services.
This is how he started an online credit platform called Juancho lends you for Colombians who need up to 5 million pesos.
The company was born after Saldarriaga noticed Rapicredit in 2014, another virtual credit platform where financial assistance ranges from $100,000 and the current million pesos and of which he is also a part, that people required large sums of money with a longer payment term as commented in El Colombiano.
“As a result of that first experience in Rapicredit, where some 100,000 credit applications per monthwe realized that people You need larger amounts and longer termshe told the newspaper.
This market platform financial technology which has been financed with the entrepreneur’s own capital and cooperating financial funds, aims to grant credits that will have a lasting purpose. That behind that loan application there is evidence of an investment, such as the purchase of a property, or the undertaking of a business, etc
The ideal is that the credits, even if they do not have an amount of more than 10 million, contribute to correcting the investment difficulties that users have.
According to Juan Esteban, the company has 15 thousand beneficiariesof which andl 75% are people under 35 years of age que However, they are banked and do not have a strong credit history either.
Women have better conditions on their loans.
Similarly, women are part of the target group as credit userssince for Saldarriaga, they have been distanced in the economic insertion, for this reason, the company offers them better clauses.
“Women have been furthest behind in financial inclusion, especially with the arrival of the pandemic. Therefore, they we give better conditions to them with our loans, almost 60% of our clients are women and near the 30% son head of household”, he said for the newspaper La República.
How to request a loan in Juancho lends you?
Parachute manage credit online according to the website of Juancho lends youyou must perform the following steps:
1. Create One account
2. Accept the consultation in risk centers.
3. Validate your identity through a video call.
If the loan application is approved, the disbursement of the money will be from 24 business hours.
The Paisa businessman hopes that by 2023, the digital online credit platform will expand to other Latin American countries such as Mexico, Puerto Rico and Peru.
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