Andescrowd

Camilo Concha, the firm's founder and CEO, oversees all investment and credit decisions. Concha developed the firm's proprietary credit-scoring and origination platform, which embeds underwriting rules into the loan-vetting process, meaning portfolio construction is tightly centralized rather than delegated to regional investment committees.

Origination runs through a blend of digital acquisition and embedded partnership channels. The firm's technology platform ingests borrower applications directly and also integrates with trade associations, coffee cooperatives, and developer networks in Colombia and Peru. Concha has publicly emphasized that roughly half of deal flow comes through repeat borrowers and trade-group referrals, reducing reliance on broker-driven origination.

Andescrowd writes three core facilities: trade finance for agricultural exporters (typically coffee and fresh produce), working-capital loans for small-scale real estate developers, and bridge loans for revenue-stage technology companies. All loans are secured against physical assets, inventory, or receivables, with maturities ranging from 12 to 24 months.

The firm deploys primarily in Colombia and Peru, with a historical allocation split of roughly 70 percent Colombia and 30 percent Peru. Public statements suggest the company has evaluated expansion into Chile, but no committed Chilean loan tranche has been publicly documented.

Andescrowd structurally blends both. It pools investor capital into a fund vehicle that writes individual secured loans, but it also fractionates loan participations into tradeable notes — a model Concha built to permit investor liquidity during the loan tenor. This architecture is closer to US and UK marketplace-lending platforms than to a traditional Latin American closed-end private credit fund.