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M&A 売却案件

High-Growth Latin American Digital Bank

案件ID
L#20261124
希望価格
$50,000,000
売上
$5,000,000
EBITDA
$1,500,000

説明

The Company is a next-generation, 100% digital neobank engineered to democratize access to financial services across Latin America. By combining a branchless, mobile-first infrastructure with automated customer acquisition, the platform is positioned to capture massive regional demand and scale to 5 million active users within five years.

Latin America represents one of the world's most attractive fintech expansion frontiers, driven by high digital connectivity and structural underbanking:

Massive Addressable Market

Over 200 million individuals remain excluded from the formal banking system.

Mobile-First Infrastructure

A 78% mobile penetration rate provides immediate distribution access directly to consumer devices.

Favorable Sector Tailwinds

The regional fintech ecosystem grew by 125% over the past five years, backed by sustained capital inflows exceeding $100 billion.

Target Segments & Core Value Proposition
The platform eliminates traditional banking friction for historically underserved demographics, including young digital natives, migrant workers, the unbanked/underbanked, freelancers, and SMEs.

  1. 01
    Frictionless OnboardingInstant remote account creation using AI biometric verification.
  2. 02
    Transparent ArchitectureSimple, intuitive interfaces with zero hidden fees.
  3. 03
    24/7 Digital OperationsContinuous self-service via mobile and web, supported by hybrid AI-human customer service workflows.

Monetization & Revenue Model
The platform utilizes a diversified, multi-engine revenue strategy designed to maximize customer lifetime value (LTV) while mitigating risk:

Credit & Lending

Core revenue generated through personal credit lines, micro-loans, and digital credit cards, with an average target rate of 24% APR.

Freemium Subscriptions

Premium accounts offering enhanced features and financial tools, targeting a 12% conversion rate among active users.

Ancillary Financial Services

Transaction-based fees and partner revenue shares from cross-border remittances, integrated insurance, and wealth management products.

Through low-cost operational scalability, automated credit underwriting, and a diversified revenue base, the Company delivers a sustainable, high-margin alternative to legacy institutions while closing Latin America's financial inclusion gap.

基本情報

案件ID
L#20261124
国
エクアドル
都市
Quito
業界
Banks & Financial Service
ディールステータス
利用可能
希望価格
$50,000,000
売上
$5,000,000
EBITDA
$1,500,000
売上倍率
10x
EBITDA倍率
33.33x

ミッドマーケット M&A アドバイザリー – 2024年ディール実績

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