Access to credit remains a major challenge in Latam—over 70% of people lack access to formal credit, locking millions out of the financial system. With informal employment averaging 50% and weak social safety nets, traditional institutions fail to serve most of the population. Yet with mobile adoption surpassing 75%, technology offers a powerful path to inclusion—bringing digital financial services to the underserved at scale.

Galgo facilitates access to vehicle financing. Through their vertical marketplace, they own the relationship with their customers, from product discovery to checkout. Driven by robust network effects, the platform increasingly attracts both buyers and sellers, acquiring and servicing them at a fraction of the cost compared to that of offline players.