Tienda Pago in Peru provides working capital finance to small stores to purchase key products they procure from consumer goods brands distributors. Tienda Pago has developed a close-loop model in which the credit line to the small stores is activated via mobile phone, allowing big distribution companies to sale on terms to the small stores and collect repayments electronically, thus reducing inefficiencies and operational costs. This innovative business model is transforming the way in which financial inclusion is achieved.

Small stores benefit by gaining access to formal commercial credit, allowing them to more efficiently manage their inventories, increase their sales and margins, and in many cases create and develop a formal credit history, thus improving their ability to succeed.

Tienda Pago is a great option for small stores that are looking to solve their working capital needs, a fundamental tool for small entrepreneurs to succeed.
Hivos-Triodos Fund has provided a venture debt facility to Tienda Pago, a product that appropriately takes into consideration the relative early stage of Tienda Pago’s business.