Zinobe Profile

Deal Summary

9


Deals Funded

$8,250,000


Total Issued

$137,016


Interest Paid

13.44%


Wtd. Avg. APY

60.0


Wtd. Avg. Duration

$916,667


Avg. Deal Size

About Zinobe

Zinobe is a leading data-driven provider of responsible short term financing in Colombia. The founders and management team have a combined 80+ years of banking, credit, technology, and other experience.

Zinobe has both consumer and SMB lending products, Lineru and Aliatu respectively, that offer short term credit to customers on a revolving basis. They have partnered with leading Colombian financial institutions and government agencies to provide these transparent, competitive, and customer focused financial products.

They leverage data science and machine learning in its underwriting, allowing it to provide fast service and control credit quality. By contrast, incumbent banking institutions are burdened with older IT infrastructure, making it challenging to conduct data-intensive analysis and provide the paperless and fast service that consumers increasingly expect.

In all, Zinobe has funded over 250,000 consumer borrowers across Colombia since it was founded in 2011.


COMPANY FACTS

Founded: 2011

Sector: Revolving consumer loans

HQ: Bogota, Colombia

Key People: Tarek El Sherif (CEO & Co-founder), Nelson Ortiz (Head of Finance)

Website: zinobe.com

SURVEILLANCE REPORTS

SOCIAL MEDIA

Originator Data

Zinobe: APYs over time

Past Deals

  • deal history

Close Date

Name

Deal Size

Duration (days)

APY

11/29/19

Ultra Short Term Colombian Revolving Loans 9-A () 

$1.00M

60

12.00%

12/29/19

Ultra Short Term Colombian Revolving Loans 9-B () 

$960K

60

12.00%

1/29/20

Ultra Short Term Colombian Revolving Loans 9-C () 

$1.28M

60

12.00%

2/29/20

Ultra Short Term Colombian Revolving Loans 9-D () 

$960K

60

12.00%

3/30/20

Ultra Short Term Colombian Revolving Loans 9-E (

$640K

60

15.00%

4/29/20

Ultra Short Term Colombian Revolving Loans 9-F (

$930K

60

16.00%

5/29/20

Ultra Short Term Colombian Revolving Loans 9-G (

$340K

60

15.00%

6/29/20

Ultra Short Term Colombian Revolving Loans 9-H

$900K

30

15.00%

7/29/20

Ultra Short Term Colombian Revolving Loans 9-I

$1.24M

60

14.00%

8/29/20

Ultra Short Term Colombian Revolving Loans 9-J

$1.24M

60

13.50%

Links to Ethereum contract for each deal

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