Acá Se Fía

IMIX COLOMBIA S.A.S.

Acá Se Fía

Acá Se Fía: Fair, inclusive digital financing ecosystem for small producers: more inputs, more income for rural development.

Bogotá, Colombia

Colombia

For-profit, including B-Corp or similar models

The lack of financial inclusion is a global challenge affecting more than 1.7 billion adults without access to formal financial services, with rural communities being the most excluded (World Bank, 2022). This gap prevents millions from accumulating assets, investing in their well-being, or coping with unexpected economic events. In Latin America, although access to banking services has improved in urban areas, exclusion persists in rural areas due to poor financial infrastructure, low levels of digital literacy, and distrust of formal institutions (ECLAC, 2022). Furthermore, traditional credit models do not adapt to agricultural cycles or the socioeconomic conditions of rural areas. In Colombia, while 85.9% of adults have some financial product, only 66.1% in rural areas and 55.3% in dispersed rural areas have access to formal services (Asobancaria, 2020). In Guatemala, less than 3% of small-scale producers have access to bank credit, exposing them to informal lenders with abusive rates (IDB, 2023). This exclusion hinders agricultural productivity and perpetuates poverty. Our project emerges as a direct response to this systemic gap, connecting rural producers with a fair, efficient, and tailored digital financial ecosystem.

Our solution is Acá Se Fía, a FinTech platform that breaks down barriers to accessing credit for small rural producers in Latin America. Through a digital network, we connect farmers, input distributors, and financial cooperatives, allowing producers to purchase fertilizers, seeds, and tools on credit, without bureaucratic procedures or formal guarantees. We use Software as a Service (SaaS) and credit scoring algorithms based on agricultural cycles, eliminating the need for bank history. Loans are managed from rural locations such as input stores or producer associations, reducing costs by 60% and transaction times by 96%. Our platform facilitates access to fair and timely credit and integrates marketing channels, ensuring markets for the financed crops. Our project is a collaborative ecosystem that empowers communities, strengthens value chains, and builds economic resilience from the ground up. As a success story, in just eight months, we benefited 444 producers in Guatemala—90% of whom were Indigenous and 24% were women—increasing their income by 34%. In Colombia, we are scaling up this solution in the cocoa, coffee, avocado, and honey chains.

Our solution is aimed at small rural producers in Latin America, where more than 90% live in poverty and only 3% have access to formal credit. Sixty percent of these farmers are older adults with limited access to markets and financial services. This population generally has a low average level of education, and illiteracy can exceed 20% in some regions (OECD, 2022). These characteristics are exacerbated by existing structural barriers such as a lack of access to land, limited financial services, and gender inequality. Women face additional barriers. For example, in Guatemala, only between 3% and 6% of those working in agriculture are women (FAO, 2025), and in Colombia, only 29.2% of them participate formally in rural productive activities. Acá Se Fía eliminates barriers to access to credit through a digital ecosystem that connects farmers, input distributors, and financial cooperatives. In Guatemala, our solution has benefited 444 producers, including 90% indigenous people, 68% youth, and 24% women. This model not only promotes equity and inclusion but also drives a 34% increase in rural income, strengthening the economic resilience of historically excluded communities.