Addi ARR Hit $200M

Addi is a Colombian fintech platform that blends BNPL (buy now, pay later), embedded credit, and e-commerce banking capabilities to serve Latin America’s underserved middle class.

The company now claims $200 million in annual recurring revenue with gross margins above 55%, positioning itself as one of the region’s most efficient digital finance platforms.  With ~2.5 million customers on its platform, Addi has quietly become a key payment, lending, and shopping partner in Colombia and beyond. 

Addi solves the critical problem of financial access and flexible payments in Latin America, where credit markets are fragmented and interest rates are high.

Through its embedded BNPL and consumer credit products, Addi enables users to split purchases into installments, receive short-term credit, and manage payments—all integrated into online checkout workflows and retail ecosystems. Its AI and data underwriting engines help manage credit risk, reducing loss rates even as it scales rapidly. Its margins and portfolio quality have allowed it to defend against the volatility that often plagues fintech lenders in emerging markets.

On the funding and operational side, Addi has previously raised $200 million in debt and equity to support its Latin America expansion.  Its growth has been quietly accelerating, without heavy publicity—earning mentions in fintech circles as Colombia’s “$200M-ARR secret.”  The company’s sustainable unit economics—driven by high gross margin and disciplined credit underwriting—underline its ability to grow ARR without runaway losses, making it a standout case in LatAm fintech.