I want you to think for a moment about Huancayo and the Andean region: a dynamic and hard-working commercial hub in the Mantaro Valley. However, when a local company seeks capital to grow, modernize machinery, or advance its agricultural campaign, it faces a harsh reality: large banks look to Lima, and our region is left at the end of the line. This financing gap slows down employment, innovation, and regional competitiveness.
That is why Fintech SmartCapital will be created, the first mortgage-backed investment platform designed for companies in Huancayo, Junín, and the central highlands of Peru. We will connect businesses that need capital and have company or partners real estate with investors seeking good returns on their money backed by real estate.
This is how it will work. The company seeking money publishes its request on the platform: the amount required, the intended use of the funds, and details of the property offered as collateral. A certified appraiser performs an independent appraisal of the property. Key risk management rule: the amount to be invested never exceeds 20% of the appraised value of the property. This means ample coverage for investors and financial discipline for the company.
Once the publication has been validated, registered investors can review opportunities, compare returns, and, if interested, initiate secure contact within the platform. The deal is agreed upon, both parties go to the notary: the loan is formalized, the mortgage is registered, and the capital to be paid in monthly installments with interest to the investor is released. Transparent, documented, traceable.
Why do companies will prefer SmartCapital? Because they have access to financing faster and at lower rates than traditional banks. No endless paperwork or unreasonable requirements. Capital arrives when the opportunity is still alive.
And why do the investors will invest with us? Because the projected return is more than four times what banks currently pay on fixed-term deposits, and because the transaction is backed by highly overcollateralized real estate.
SmartCapital will be paid a 2.5 percent of the loan plus expenses.
Our platform will provide clear risk dashboards, appraisal history, payment schedules, and automatic alerts. Investors can diversify across multiple smaller-ticket projects to reduce exposure and reinvest returns. Our local team accompanies every step: document verification, notary coordination, registration, and post-disbursement monitoring.
Imagine financing the expansion of a metalworking workshop in Chilca, a dairy collection center in Sapallanga, or solar panels for irrigation in the Mantaro Valley. These are real projects that generate employment, formalization, and stronger value chains.
The entire process will operate under the supervision and compliance of the country’s regulatory bodies; we work with notaries, public registries, and money laundering prevention standards to protect all participants.
I need your pre-seed and seed investment to make a formal bussiness plan, open a company, rent an office, hire people for low and high-level positions, advertise the model trough social media and miscellaneous.
I can assure that the model will work and you will get a cool return for your investment.
I hope you consider my pitch because it will help people of underserved regions.
Another activity of SmartCapital is connecting people who want to buy accounts receivable from companies with investors, in a manner similar to real estate.
Huancayo has always known how to get ahead with its own ingenuity. Today, we have the technology to enable that entrepreneurial spirit to access fair capital, and for local savings to generate wealth right here in our region.
I invite you to join SmartCapital: if you are a company, publish your project; if you are an investor, make your money work for the progress of Junín. Let’s build together the financial ecosystem that the mountains deserve. The time is now; the future of the Andes begins.!