La República · Apr 2026
Covers Monet reaching one million credits to women in Colombia, its Yo Soy M initiative, and the company's positioning as an Open Banking-based inclusion fintech.
Payroll-backed loans and cash advances in Latam
Company research
Public company, workplace, funding, and market signals
Overview
Monet is a Colombian fintech that offers short-term, low-amount digital credit through a mobile/app/web/WhatsApp flow. It uses Open Banking and positive-only credit bureau reporting to serve people without credit history or with negative bureau marks, including underbanked workers, entrepreneurs, women, and Venezuelan migrants.
Primary product
Short-term, low-amount digital credit / payroll-backed cash advances
Founded
2020
Headquarters
Carrera 11 #82-01 Oficina 602, Centro de Negocios Andino, Bogotá D.C., Colombia
Team size
11-50
Industry
Financial Services
Sub-industry
Fintech / digital lending
Offices
Carrera 11 #82-01 Oficina 602, Centro de Negocios Andino, Bogotá D.C., Colombia
Business model
consumer lending
fee-based digital credit
B2C fintech
risk-based underwriting
Funding
Stage
Series A
Total raised
$28.7M
Latest round
Series A · Dec 2025
Latest amount
$24M
People & investors
Leadership
CEO and President of the Board
Director of Strategy and Financial Inclusion
Head of Finance
Head of Legal Department
Human Resources Director
Head of Artificial Intelligence
Head Of Tech
Founders
Co-founder & CFO
Work & culture
Mission-driven culture centered on curiosity, exploration, research, innovation, humility, and improving lives through financial inclusion.
Compensation
No public salary bands, benefits package, or compensation policy were found on the official site or public profiles.
Product & market
Pricing
30-day credit line with no remuneratory interest; monetization through activation, administration/handling, service, commission, late-payment, and collection fees.
Differentiators
- —Open Banking-based underwriting
- —fully digital app/web/WhatsApp flow
- —low-ticket credit up to COP 500,000
- —positive-only bureau reporting
- —serves users without prior credit history
- —targets underserved segments such as women and Venezuelan migrants
- —30-day repayment term
Technology
Open Banking
Django
Python
PostgreSQL
Redis
Celery
Docker
Google Analytics
WordPress
Customers
people without credit history
people reported to credit bureaus
underbanked and unbanked individuals
informal workers
entrepreneurs
women
Venezuelan migrants with PPT
employees with recurring income and a bank account
Competitors
Tide
OPay
Ziina
informal gota a gota lenders
Scale & contact
Estimated revenue
Approximately $6.3M annual revenue / ARR (estimated)
Estimated monthly visits
452.3K
Latest news
La República · Feb 2026
Reports Monet's launch of microcredits for Venezuelan migrants with PPT, using a digital WhatsApp-based application flow and loans from COP 50,000 to COP 500,000.
Latam Republic · Jan 2026
Describes the Series A closing, nationwide coverage in Colombia, and the company's small-ticket credit product for excluded borrowers.
Contxto · Jan 2026
Covers the combined equity-and-debt round, Monet's low-ticket digital loans, and planned expansion into Mexico plus products for Venezuelan migrants.
LatamList · Dec 2025
Reports Monet's $24M Series A, split between a $4M equity portion led by Comfama Ventures and a $20M asset-backed warehouse line facility from SixPoint Capital Management; notes expansion plans and product work for underserved users.
Jobs and careers at Monet
0 jobs at Monet
No open positions
Check back later for new openings