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Prosperas
Your Readiness and Investment Documents
Summary Report
Get a high-level overview of your investment readiness score, key strengths, and immediate action items to improve your investor appeal.
Frictionless Investor Matches
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Other Investor Matches
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Frictionless Intelligence Funding Report
Company Overview
Prosperas is a credit and financial inclusion marketplace embedded directly inside mobile devices across Latin America. By leveraging exclusive partnerships with América Móvil and AI trained on telco and open finance data, Prosperas instantly matches consumers to lenders in under 60 seconds — democratizing credit access while reducing lender risk.
Industry
FinTech / Alternative Lending / AI & Big Data
Stage
Scaling (Bridge Round)
Funding Ask
$1 M – $3 M equity or loan bridge (8% coupon, 75% warrant coverage @ $32 M pre)
Value Proposition
The only credit marketplace embedded in >100M mobile devices in Mexico & Colombia through América Móvil, giving Prosperas zero CAC, proprietary telco data access, and immediate scalability..
Competitive Set
Kueski, Creditas, Nubank (lending ecosystems), Klar, Mercado Crédito.
Key Strengths
Proven traction ($40K MRR, 100M devices live), exclusive América Móvil partnership, zero CAC, growing B2B lender base, $5.4M raised to date.
Challenge
Technical infrastructure needs scaling and full real-time API data integration; must expand lender portfolio to reduce dependency on microcredit.
Geography
Headquartered in San Antonio, TX with operations in Mexico and Colombia; expanding to Peru and Brazil in 2025.
Market Context
LATAM alternative lending market ≈ $28B (2024), growing ~20% CAGR to $58B by 2028 .
América Móvil access → 200M devices by EOY 2025 (Mexico, Colombia, Peru, Brazil).
Market driven by BNPL growth, peer-to-peer lending, and open finance acceleration.
Readiness Assessment Score
78%
Insights
Category
Impact
Score
Delaware C-Corp, bridge round structured; compliant entity.
Foundational Setup
High
90%
4 senior founders w/ decades in finance, banking, & data partnerships.
Team Readiness
High
86%
Clear bridge-to-profitability plan; $1.2M committed, lead secured (Bill Furman).
Funding Strategy
High
82%
$40K MRR, $70K burn, $300K cash → 4 months runway.
Financial Health
Medium
70%
Marketplace live in 2 countries; telco integration complete.
Product Readiness
High
84%
Proprietary AI + telco API data feeds; still moving to full automation.
Tech Maturity
High
77%
América Móvil handles CAC/marketing; 25% rev share model.
Go-To-Market Alignment
High
76%
Data-heavy story; needs simplified ROI narrative for US investors..
Storytelling & Investor Communication
Medium
68%
Frictionless Recommendations
Readiness Improvement Priorities
Action
Area
Impact
Publish margin-by-lender and monthly funnel efficiency KPIs.
Financial Clarity
Improves valuation confidence
Demonstrate API-based automation in two new markets (Peru, Brazil).
Validation Dataset
Raises institutional appetite.
Add non-telco channel partners for resilience.
Distribution Partners
Reduces dependency risk.
Strengthen data-sharing compliance + data trade-secret protection.
Investor Narrative
Builds long-term defensibility.
Simplify pitch around unit economics, growth efficiency, and inclusion impact.
Legal/IP Strategy
Increases match % by ~10 pts.
Frictionless Insights
Data access + zero CAC make Prosperas unique; execution speed on API automation determines valuation jump.
Lender diversification will double MRR in <9 months if replicated across 4 countries.
Bridge investors want tangible proof of AI performance → highlight approval-rate delta & revenue-per-lender gains.
Frictionless Investor Network Matches
Profile & Investment Focus
#
Investor/Fund
Tech/agnostic operator–investor with M&A experience and extensive Texas startup network.
1
Luis Martinez – Capital Factory
Match %
74%
-
Website: www.capitalfactory.com
Focus: Tech, frontier hardware, marketplaces, AI
Check Size: $50K – $100K
Investment Philosophy: Backs operators who execute quickly with focus and data discipline.
Notable Portfolio: Capital Factory accelerator alumni (hardware + SaaS)
Startup Match Summary
Stage: Bridge → Excellent
Sector:FinTech / AI / Impact → Excellent
Geography: Texas / LATAM → Ideal
Ticket Size Alignment: Within range
Strategic Leverage: Capital Factory mentor and LATAM innovation network.
Why Luis Martinez
Proven track record in Texas FinTech acceleration.
Brings regulatory, legal, and operational mentorship that Prosperas needs pre-license.
Suggested Narrative for Intro Email
“Prosperas is transforming open-data inclusion into fintech access — a strong accelerator-ready fit for Capital Factory’s Texas innovation mandate.”
Deep-tech / AI / robotics fund active in San Antonio and Texas innovation hubs.
2
Mike Troy – Geekdom Fund
68%
-
Website: www.geekdomfund.com
Focus: SaaS, AI, and early-stage FinTech, Defense startups
Check Size: $250K – $500K
Investment Philosophy: Backs technical founders tackling large global problems.
Notable Portfolio: AI and robotics seed companies in San Antonio
Startup Match Summary
Stage: Bridge → Acceptable
Sector: FinTech / AI → Excellent
Geography: San Antonio → Perfect
Ticket Size Alignment: Slightly above range
Strategic Leverage: Network credibility and early B2B FinTech mentorship.
Why Mike Troy
Deep SA network, prior experience with data-driven lending models.
Can help structure Prosperas’s valuation and investor documentation.
Suggested Narrative for Intro Email
“ Prosperas is applying AI to inclusion finance — the kind of scalable, mission-led innovation Geekdom Fund can help shape into a revenue engine.”
Early-stage software + deep-tech investor supporting lean, high-impact founders.
3
Mariano Gonzalez – MGV Capital
62%
-
Website: www.mgvcapital.com
Focus: Software platforms + select deep tech projects
Check Size: $25K – $50K
Investment Philosophy: Lean validation before scale
Notable Portfolio: Emerging AI/ML companies in LatAm and Texas
Startup Match Summary
Stage: Bridge → Acceptable
Sector: FinTech / AI → Strong
Geography: Texas → Ideal
Ticket Size Alignment: Within range
Strategic Leverage: AI expertise for Prosperas’s credit-scoring infrastructure.
Why Mariano Gonzalez
Experienced in optimizing AI architecture and business-model scalability.
Suggested Narrative for Intro Email
“Prosperas’s predictive lending model fits MGV’s automation-first FinTech philosophy.”
Ecosystem connector and angel investor strengthening San Antonio’s tech community.
4
Will Conway – Tech Bloc
57%
-
Website: www.satechbloc.com
Focus: Local tech ecosystem growth
Check Size: $25K – $50K
Investment Philosophy: Invest in community and founders driving regional innovation.
Notable Portfolio: San Antonio early-stage companies
Startup Match Summary
Stage: Bridge → Acceptable
Sector: FinTech / Civic Impact → Moderate
Geography: San Antonio → Perfect
Ticket Size Alignment: Small Ticket Investor
Strategic Leverage: Public visibility and local network credibility.
Why Will Conway
Perfect for PR and networking lift in local investor circles.
Suggested Narrative for Intro Email
“Prosperas positions San Antonio as a FinTech-for-good hub — a mission Tech Bloc can amplify across the region.”
Hardware / IoT entrepreneur with experience in smart-city and government-tech pilots.
5
Beto Altamirano – Irys
66%
-
Website: www.irysinsights.com
Focus: IoT, smart city, data infrastructure
Check Size: <$25K
Investment Philosophy: Supports founders building real-world impact products.
Notable Portfolio: Civic and IoT startups in Texas
Startup Match Summary
Stage: Bridge → Excellent
Sector: FinTech / Inclusion / Data → Excellent
Geography: Texas / LATAM → Excellent
Ticket Size Alignment: Small Ticket Investor
Strategic Leverage: Civic impact storytelling and policy pathways.
Why Beto Altamirano
Impact and inclusion focus match Prosperas’s mission.
Access to civic impact ecosystems for NGO and public-private pilots.
Suggested Narrative for Intro Email
“Prosperas operationalizes inclusion through AI-driven finance — an initiative aligned with Beto’s civic-tech values.”
Cross-industry angel (AI, PropTech, FinTech, Cleantech, Marketplace)..
6
Alfonso (Poncho) Garcia – 365 Retail / Tech Bloc
71%
-
Focus: PropTech, health, fitness, consumer tech
Check Size: <$25K
Investment Philosophy: Back ventures improving daily life through innovation.
Notable Portfolio: Health and retail platform startups
Startup Match Summary
Stage: Bridge → Excellent
Sector: FinTech / Marketplace / AI → Excellent
Geography: Texas / LATAM → Ideal
Ticket Size Alignment: Small Ticket Investor
Strategic Leverage: Early-stage branding + marketplace scaling know-how.
Why Alfonso Garcia
Unique cross-sector perspective bridges FinTech and Marketplace.
Offers early validation capital and mentorship for expansion beyond Mexico.
Suggested Narrative for Intro Email
“Prosperas exemplifies cross-sector innovation — merging AI, FinTech, and social inclusion — an archetypal investment for Poncho’s thesis.”
Other Investor Matches
For additional information on these investors, contact the Frictionless team
Profile & Investment Focus
#
Investor/Fund
Fintech seed/A-stage specialist in credit & payments.
1
QED Investors
Match %
78%
Global fintech fund in lending and banking.
2
Ribbit Capital
74%
LATAM seed-stage fintech investor.
3
500 Global LatAm
72%
Mexico-based fund focusing on fintech & logistics
4
ALLVP
71%
Emerging markets fintech fund.
5
Quona Capital
70%
Leading LATAM VC (fintech, SaaS).
6
Kaszek Ventures
68%
Operator-LP global fund.
7
Village Global
65%
Large-scale tech fund for LATAM.
8
Cathay Innovation
63%
Cross-border fintech/AI investor.
9
SoftBank LatAm Fund
61%
Impact-oriented health & fintech investor.
10
General Catalyst
58%
Frictionless Services for Prosperas
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