online-sellers
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Emiliano Musalem Learned to Read the Shop Before Writing the Loan
A backpacking business graduate, an analytics dashboard and a recurring inventory problem led to Creizer. Now Musalem is trying to make credit move at the rhythm of an online shop's sales.
Creizer
Creizer is a Mexico City fintech providing revenue-based financing to online sellers across Latin America. Often described as the Clear.co (formerly Clearbanc) for LATAM, it underwrites credit using a seller's daily sales and store metrics rather than traditional collateral, then collects repayment as a percentage of ongoing sales with no fixed installments or interest rates. Founded in 2021 by Emiliano Musalem and part of Y Combinator's Winter 2022 batch, Creizer offers credit lines from roughly 30,000 pesos up to several million, targeting the more than 80% of Latin American SMEs that lack access to conventional bank loans.