Visor

Visor.io operates as a financial technology firm specializing in credit solutions and business health analytics for the Small and Medium-sized Enterprise (SME) sector.

Founded in 2015 by Jean Bernard Rolland and Ruben Sanchez Souza in Mexico City, the company established itself as a key player in the Latin American fintech landscape. Visor secured initial funding in November 2015 and later raised a Series A round in March 2018, with notable investors including IGNIA, American Express Ventures, and 500 Global. The company's trajectory led to its acquisition by Covalto, a Mexican banking and services platform for SMEs, in April 2021.

The core of Visor's business is a platform that analyzes the financial health of SMEs to facilitate access to credit. It serves financial institutions by providing a customer management and profiling platform that uses data analytics to generate comprehensive credit and business profiles for SMEs. This enables lenders to prioritize onboarding, implement event-based marketing, and predict customer behavior. For SMEs, Visor acts as an aggregator, offering competitively priced lending products by connecting them with banks and other financial institutions. The company builds its origination channels through strategic partnerships with large corporations, identifying credit-worthy SMEs within their supply chains. This B2B model generates revenue by equipping financial institutions with the digital technology needed to effectively service the SME market.

The platform's capabilities are divided into modules for workload management, a liquidity center, and a network platform. These tools assist in loan origination, ongoing assessment and monitoring of a client's financial health, accounts receivable and payable financing, and provide smart cross-selling and financial scoring tools. By transforming raw data into actionable insights on propensity, behavior, and creditworthiness, Visor addresses a critical gap in the SME lending market.

Keywords: SME financing, financial health analytics, credit risk analysis, fintech, B2B lending, SME credit, loan origination, data analytics, financial software, credit scoring, business health, supply chain finance, Mexico City, Latin America, Covalto, Jean Bernard Rolland, Ruben Sanchez Souza, financial technology, business intelligence, risk management