Dismay Finanzas

Dismay Finanzas is a financing and support services platform created for food wholesalers, retailers, food service providers, grocery stores, and other operators in the food supply chain in Chile.

The app is designed for common scenarios in the food sector. It allows users to submit requests for financial support for inventory purchases, supplier payments, working capital, daily business operations, equipment acquisition, and other business needs.

From the application, users can view terms and conditions, complete personal and business information, upload required documents, and easily check the status of their application.

Main features:

• Access financing options for businesses in the food sector.

• Submit personal and business information for the application.

• Select loan amount, term, and payment cycle.

• View interest rates, estimated costs, and payment plan.

• Securely upload required documents.

• Track the application status step by step.

• Provide clear information on terms, costs, and process stages. • Access to support and guidance during the application process.

• Financing reference information:

• Country of operation: Chile.

• Currency: Chilean pesos (CLP).

• Minimum reference term: 6 months.

• Maximum reference term: 60 months.

• Reference payment cycle: monthly.

• Dismay Finanzas does not offer loans requiring full repayment in 60 days or less.

• Dismay Finanzas does not charge users a fee for inquiring or submitting an application.

• Representative example with Banco de Chile:

For a loan of CLP 1,500,000 with a 6-month term and monthly payments, using a reference annual effective interest rate of 33.48%, the estimated monthly payment would be approximately CLP 271,740.

The total estimated amount to be repaid would be approximately CLP 1,630,438. The total estimated interest would be approximately CLP 130,438.

This example is for reference only and does not include taxes, notary fees, insurance, bank commissions, or other variable charges that may apply. If such costs apply, they will be communicated by the corresponding financial institution before contracting. The final rate, APR, approved amount, term, installments, and final conditions may vary depending on the credit evaluation, the applicant's profile, and the current policies of Banco de Chile or other associated financial institution.

Dismay Finanzas does not grant loans directly, does not decide on approvals, does not define final rates, does not make disbursements, and does not manage payments on its own behalf. The app functions as an information, guidance, and assistance tool to facilitate the application process with partner financial institutions.

Final approval, amount, term, rate, interest, applicable charges, final conditions, and disbursement depend exclusively on the corresponding financial institution.

The use of documents and personal information is solely for the purposes of validation, preliminary evaluation, application management, process support and service improvement, in accordance with the Privacy Policy.