Solventa

Take control of your financial future with Solventa. Whether you are planning to take out a loan, looking to consolidate debt, or simply want to understand your borrowing capacity, Solventa provides the comprehensive tools you need to make informed financial decisions. Solventa is a powerful financial assistant, combining advanced calculation utilities with a curated marketplace of offers from regulated banks and financial institutions in Colombia. Compare rates, analyze your budget, and find the right financial product for your profile—all in one place.

KEY FEATURES:

Advanced Loan Calculator: Don't get caught off guard by hidden fees. Input your desired loan amount, interest rate, and term to instantly generate a complete payment schedule. Our calculator factors in mandatory insurance, disbursement commissions, and early repayment penalties to show you the true cost of a loan.

Financial Health Indicator: Protect your financial stability. Input your monthly income, fixed expenses, and current credit obligations. Our smart algorithm analyzes your debt-to-income ratio and visualizes your borrowing capacity using a clear "Safe, Cautious, or Risky" status, helping you simulate "what-if" scenarios like unexpected expenses.

Personal Financial Profile: Complete a quick assessment of your employment and financial situation to unlock a customized dashboard. See your available borrowing margin and get actionable insights tailored to your specific goals.

Curated Partner Offers: Browse a secure marketplace of financial products from legally established and regulated Colombian banks. Compare amounts, terms, interest rates, and ideal candidate profiles to choose an offer that fits your needs. Note: Solventa is an aggregator, not a lender. You choose the offer; we provide the comparison data.

IMPORTANT DISCLOSURES & FINANCIAL TERMS: Solventa is a financial utility and aggregation platform. We are NOT a bank, direct lender, or financial institution. We do not issue loans, make credit decisions, or charge users any fees for utilizing our comparison tools. All loan offers displayed within the app are provided by licensed third-party financial institutions.

Minimum Repayment Period: 3 months Maximum Repayment Period: 36 months Maximum Annual Percentage Rate (APR): 35.00% (Note: The actual APR depends on the partner institution and the user's credit profile).

Representative Example of Total Loan Cost: If you select a loan of $15,000,000 COP for a term of 24 months with a fixed Annual Percentage Rate (APR) of 15.99%: Monthly Payment: $734,500 COP Total Interest Paid: $2,628,000 COP Estimated Total Amount Payable (Principal + Interest): $17,628,000 COP (This is an illustrative example. Your final terms, including applicable insurance or administrative fees, will be determined entirely by the lending institution you select).