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Guama
Guama is a financial services provider offering credit cards to underserved populations in Colombia. Using an innovative cash flow underwriting model, the company bypasses traditional credit scoring systems and instead relies on transactional data.
Investment Thesis
Guama addresses financial exclusion by providing credit access to underbanked Colombians who lack traditional credit history. By leveraging cashflow-based underwriting, it enables individuals to access formal credit for the first time. Over 80% of its users are first-time credit card holders.
