Welli押注：先用信贷为哥伦比亚未覆盖的医疗买单；每月2000例

做的是什么生意

Colombian medical-credit fintech: patients apply in the clinic via QR code, get a credit decision in under 30 seconds, choose 3-36 month terms of COP 300,000-25M, and Welli pays the provider directly within 48 hours.

启动资金：US$2.4M seed (Ánimo, Costanoa, Crestone); US$3.8M extension; US$25M equity Series A (June 2025, Costanoa-led); US$75M structured debt from Community Investment Management (Oct 2025).

起因

Founded in Bogotá in 2022 by Felipe Gómez and Felipe Jaramillo, both laid off in Shopee Colombia's job cuts and both new fathers. Inspired by US healthcare-financing models and their own experience in the sector, they saw that Colombian patients still faced procedures — dentistry, fertility, aesthetics, veterinary care — covered by neither the public system nor prepaid plans, and that roughly one-third of patients delayed or cancelled care for lack of financing.

经过

Welli started in dentistry, where doctors already knew financing models, then expanded to fertility, plastic surgery and veterinary care; 65% of loans now go to middle-and-low-income women (strata 2-3). Funding progressed from a US$2.4M seed (Ánimo, Costanoa, Crestone) and US$3.8M extension, through small local bank lines (Bancolombia, Bancoomeva, Iris) and US$4M from FPF, to a US$25M Series A in June 2025 and a US$75M structured-debt facility from Community Investment Management in October 2025. By mid-2025 the company had 40 employees, 1,500+ partner doctors, 2,000+ procedures financed per month, COP 50 billion in cumulative loans and an average loan of COP 4 million.

结果

Still running and scaling: 1,500+ partner clinics, 2,000+ procedures financed monthly, and expansion planned into Mexico and Peru, where out-of-pocket health spending exceeds 40% versus about 18% in Colombia.

可借鉴之处

在信任的时刻提供信贷：在诊所销售并直接向医疗机构付款，使医生成为增长渠道——医疗程序量增加高达40%——而非向患者进行冷营销。