Creditú raises USD $6 million in Series A round led by ALIVE Ventures to expand housing finance access for underserved families in Latin America

Creditú team members

Creditú, a fintech that is democratizing access to housing finance for low- and middle-income families in Latin America, announced the successful closing of its USD $6 million Series A equity round. The round was led by ALIVE Ventures, with participation from L4 Venture Builder.

Across Latin America, the housing deficit affects nearly 59 million households, representing 29% of the urban population. For millions of families, the dream of homeownership remains out of reach due to strict banking requirements, high downpayment needs, lengthy approval processes, and the exclusion of informal workers from the financial system. These barriers have left the mortgage market for low- and middle-income families deeply underserved, creating a significant opportunity for innovative players to reshape access to housing finance.

Founded in 2017, Creditú has become a leading non-bank mortgage originator across Latin America addressing this urgent housing finance need. By combining advanced credit scoring, AI-powered underwriting, and innovative funding structures, Creditú processes applications up to four times faster than traditional banks. Since inception, the company has originated and traded more than USD $800 million in loans and granted over 12,000 mortgage, downpayment, and complementary loans to underserved families across Chile, Brazil and Peru. Among these, the downpayment loan product has proven particularly impactful, as it enables families without sufficient savings to cover the upfront cost of purchasing a home, while also accelerating real estate sales and unlocking further mortgage origination opportunities.

On the impact of this funding, David Muñóz, Creditú’s CEO, remarked:

“Latin America’s housing deficit is massive, and too many lenders look away. We’ve proven another path—built in Chile, and validated in Brazil and Peru. This round lets us scale so more families realize the dream of having keys to their own home.”

Creditú’s social impact is core to its business model and a key differentiator and competitive advantage. By focusing on underserved populations, the company has enabled thousands of families to achieve homeownership, including groups historically excluded from traditional credit markets. Last year, 55% of its borrowers were female-led households, while 14% were immigrant families.   Additionally, nearly 90% of Creditú’s borrowers in Chile are from low-income populations. The company primarily finances first-time buyers and social housing units, ensuring access to stable, safe, and affordable homes that foster long-term well-being and financial independence.

“We’re proud to partner with Creditú in their mission to expand access to housing finance for underserved families in Latin America. Homeownership remains out of reach for millions across the region, and Creditú is combining financial and digital innovations to deliver a scalable solution to close that gap,” said María Pía Morante, Investment Director at ALIVE Ventures, who will join Creditú’s Board of Directors.

With this new round, Creditú will accelerate its growth and impact across the region. The investment will enable the company to expand its loan origination in Chile, Brazil, and Peru, unlocking up to USD $30 million in additional housing loans in the next 2 years. The company will also strengthen and scale its SaaS mortgage administration platform and pilot housing financing solutions in Peru. Finally, a key focus will be Brazil, Latin America’s largest housing finance market, where Creditú plans to scale rapidly by combining its unique downpayment loan product with a newly developed mortgage brokerage platform, leveraging partnerships with major banks and real estate developers to capture significant market share.

For more information about Creditú, visit https://creditu.com/