Kala押注工资扣款贷款能覆盖哥伦比亚无银行账户人群，已融资6100万美元

做的是什么生意

Colombian fintech lending to the unbanked through payroll-deductible loans, disbursing cash in hours and collecting repayments directly from borrowers' salaries.

启动资金：US$6M equity - US$2M pre-seed (Canary, Acrew, Clocktower) and US$4M seed led by Cometa in Apr 2023 - plus a US$55M debt facility announced Dec 2025, for US$61M total.

起因

Manuel Alemán (ex-Alphacredit), Rodolfo Lazo and Pablo Cattolica founded Kala in Bogotá in 2021 to digitize credit for banks, finance companies and businesses selling on credit; the platform launched in July 2022. Alemán had led Alphacredit's operations, and the team set out to turn 'any lender into a fintech' so small institutions could serve markets big banks ignore.

经过

Kala raised US$2M pre-seed (Canary, Acrew, Clocktower) and a US$4M seed led by Mexico's Cometa in April 2023 (US$6M total), and by 2025 had moved into direct payroll-deductible lending for people in socioeconomic strata 2 and 3 - including borrowers up to 90 years old. In December 2025 it closed a US$55M debt facility advised by Gunderson Dettmer, bringing total capital to US$61M, and said it would use the funds to serve more than 10,000 customers and expand nationwide.

可借鉴之处

还款设计胜过风险评分：工资扣款将银行拒绝的借款人变成无催收风险的信贷，只要数字流程足够快，小额经济性就能成立。