R2 is an embedded finance platform founded in 2020, focused on Latin America. It enables digital platforms - such as payment processors, marketplaces, delivery apps, and e-commerce sites - to offer financing directly to their small and medium-sized business (SMB) users. The company addresses a significant credit gap in the region, where over 90% of businesses lack adequate access to traditional banking services, representing a trillion-dollar market opportunity.
The platform leverages AI-driven risk models and revenue-based financing to provide tailored capital to merchants, with offers ranging from $100 to over $100,000. To date, R2 has facilitated over 180,000 loans. Its core technical domains include embedded finance architecture and machine learning for credit assessment.
R2 operates across five countries: Mexico, Brazil, Chile, Colombia, and Peru. The company maintains ISO 27001:2022 certification for information security management and runs its infrastructure on Amazon Web Services with AES-256 encryption, reflecting a focus on data security and compliance.
