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MICROWD

Microwd

Invest from €500

  • 108.11% completed
  • 07/2023 Closed on
  • Invested €756,746
  • Max. €700,000
  • 108.11% completed
  • 135 Investors
  • 07/2023
Invest in less than 5 min.

Understanding the investment opportunity

MICROWD provides loans to women at the bottom of the economic and social pyramid in Latin America.

These loans enable the generation and development of businesses of extraordinary women entrepreneurs in the communities where MICROWD works.


MICROWD is a social fintech that connects women entrepreneurs in Latin America with investors seeking profitability and social impact. The company was born more than 7 years ago with a clear objective: to fight poverty by supporting extraordinary women who, thanks to their entrepreneurial spirit, their desire to better themselves and improve their living conditions, are able to run a business that generates income for women and their families, helping to accelerate the development of the communities where they live.

Since then, MICROWD has demonstrated the success of its model: it has supported more than 9000 women in Mexico, Peru, Nicaragua, Uruguay and Costa Rica, who through their own work and effort, have generated jobs, increased their income, their savings and their quality of life.

MICROWD implements a model based on alliances, trust and the search for sustainable social models. Thanks to its peer to peer and crowdlending platform, it connects these women entrepreneurs with social investors who are looking for profitability and want to contribute to generating a positive social impact. These investors decide to trust the women and give them access to funding so that they have the opportunity to improve their businesses. In addition, MICROWD has wanted to go beyond the granting of microcredits, providing close support to women, based on respect, listening, trying to generate long-term relationships with them and accompanying them in their professional and personal development.

The round will allow us to set up a digital accelerator with three main objectives:

  1. personal and financial education: practical advice focused on credit health and aligned with the credit cycle.
  2. close relationship and support for entrepreneurs in the establishment and development of their business: digital mentors who accompany women throughout the life of the loan.
  3. seed debt: from 250 euros per project.

With this acceleration process we will reduce the time needed to detect extraordinary entrepreneurs from 18 to 4 months.

INVESTMENT STAGE

EARLY

MARKET

  • impacto-social
  • finanzas

OFFICIAL WEBPAGE

VIDEOS

Microwd Team

Alejandro de León CEO
Alejandro de León
CEO

Carlos González Serna

Carlos González Serna

CFO

Beatriz Tena

Beatriz Tena

COO

Álvaro Chocano

Álvaro Chocano

Relación con inversores

Cristina Oraá

Cristina Oraá

Finanzas

David Rebollo

David Rebollo

Tecnología

Alejandro Senior

Alejandro Senior

Tecnología

Camila Canova

Camila Canova

Operaciones

Adrián Fernández

Adrián Fernández

Diseño y Comunicación

Clara Miró

Clara Miró

Operaciones

Rocío Carrasco

Rocío Carrasco

Administración

Reasons to invest View more data

MICROWD combines social impact with profitability.

  • Financially:

We estimate that the value of the company will increase significantly in the future due to the improvement in the quality of the portfolio and a significant increase in the number of loans. The company estimates that the current valuation of EUR 15 million could reach EUR 75 million in 4 years.

MICROWD has been profitable at EBITDA level for 30 months. 700,000 of positive EBITDA (profit before tax, depreciation and amortisation) after COVID.

MICROWD has 2 closed and regulated funds. From the point of view of financing them, it allows to have a positive EBITDA until 2026.

  • In terms of company risk:

With this round, MICROWD will create MicrowdX which will allow filtering and selecting the best entrepreneurs, managing to reduce the risk of default on the debt offered to investors through loans and, therefore, achieving an increase in the profitability of their investment portfolios.

  • At the product level:

MicrowdX's ability to select outstanding new women entrepreneurs who repay their loans correctly and can spend 7-10 years with MICROWD significantly reduces investors' risk and can increase profitability targets (currently 12% IRR).

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Opportunity analysis Last update Feb 26, 2024 2:54:28 PM

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Important

Startup investments have associated risks, including: Liquidity Risk, Information Risk, Risk of loosing partially or totally the investment capital, fast changing operation environment, regulatory and legal risks, minority investment risks, no capacity of influence on the company management. Due to the high uncertainty associated to this type of investment, you should contemplate investing only if you fully understand the risks and always as part of a diversified investment portfolio.

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