R2 operates at the nexus of fintech and data infrastructure, addressing one of Latin America's most entrenched economic challenges: the credit gap affecting small and medium-sized businesses. Founded in 2020, the company has scaled its embedded finance platform across five countries - Mexico, Brazil, Chile, Colombia, and Peru - granting over 180,000 loans to merchants who lack adequate access to traditional banking. The scale of the problem it confronts is substantial; over 90% of businesses in the region are underserved by conventional financial institutions, representing a trillion-dollar market inefficiency.
The firm's core technology enables payment processors, marketplaces, delivery apps, and e-commerce platforms to offer tailored revenue-based financing directly within their ecosystems. Capital offerings range from $100 to $100,000+, calibrated through AI-driven risk models to the specific cash-flow patterns of each merchant. Notable partners include Rappi, Uber Eats, inDrive, and PayU - platforms whose merchant bases form the demand side of R2's lending infrastructure.
Technical rigor underpins the operation. The company is ISO 27001:2022 certified, runs on Amazon Web Services, and employs AES-256 encryption across its data stack. Engineering work spans embedded finance architecture, AI-driven risk modeling, and revenue-based financing systems - domains that require both deep financial understanding and robust systems design.
