IdeaFin

IdeaFin is an information and application platform for working capital for wholesale businesses in the food sector in Peru.

The application allows food industry retailers, suppliers, and operators to view available options, submit basic information, upload required data, and clearly and systematically track the status of their application.

IdeaFin does not directly grant loans, approve credit, evaluate credit limits, set interest rates, disburse funds, or collect payments from users. Final terms, evaluation, approval, disbursement, fees, insurance, and payments are managed exclusively by partner banks or authorized financial institutions, in accordance with their own internal policies and applicable Peruvian regulations.

Through IdeaFin, users can:
- View information on working capital options.

- Submit an application with basic business information.

- Track the application status.

- Access reference information on terms, conditions, and costs before proceeding.
Reference information:
- Country of operation: Peru.

- Currency: Peruvian soles (S/).

- Minimum reference repayment term: 6 months.

- Maximum reference repayment term: 60 months.

Rates, fees, insurance, applicable costs, and final approval depend exclusively on the evaluation performed by the corresponding financial institution.

Representative example:
For a loan of S/5,000 over 12 months, considering a reference Annual Effective Rate (AER) of 41.20%, the approximate monthly payment would be S/503.09. The total estimated amount paid in 12 installments would be S/6,037.08. This example is for informational purposes only and may vary depending on the applicant's profile, credit evaluation, applicable costs, insurance, fees, and the financial institution's current terms and conditions.

IdeaFin's privacy policy is available on this Google Play listing and explains how users' personal data is collected, used, and protected.

IdeaFin aims to offer a clearer and more accessible application process for businesses in the food sector, helping users review relevant information before proceeding with an application for working capital.