Addi Secures $85M Series D to Scale AI-Driven Financial Infrastructure in Colombia

Quick Summary

Addi has secured $85 million in Series D funding to accelerate its AI-driven financial infrastructure across Colombia. Led by Citius and BTG Pactual, the capital will expand credit access for 3 million customers and 39,000 merchants, solidifying Addi's position as a dominant commerce and payments platform in Latin America.

How is Addi Transforming Financial Infrastructure in Colombia?

Addi provides a seamless credit experience by integrating AI-first technology directly into the checkout process for tens of thousands of merchants. By leveraging proprietary data models, the platform enables instant credit decisions, effectively bridging the gap between traditional banking and modern e-commerce needs. This AI-driven financial infrastructure allows Addi to serve a dual ecosystem of consumers and businesses with high efficiency.

• 3 million active customers currently utilizing the platform.
• 39,000 merchant partners ranging from SMEs to global brands.
• Regulated entity status recently granted by the Superintendencia Financiera de Colombia.

What Does the BTG Pactual Partnership Mean for LatAm Fintech?

The involvement of BTG Pactual marks their first growth investment outside of Brazil, signaling a massive shift in regional investor confidence toward the Colombian market. This partnership extends beyond capital, as both entities have committed to joint strategic initiatives to redefine how credit is deployed at scale. Addi is essentially replicating the financial services transformation seen in Brazil, using technology to democratize access to capital.

• $85 million equity raised in this Series D round.
• $680 million total in debt commitments to support lending.
• First J.P. Morgan warehouse facility ever arranged for a Colombian firm.

How Will the Series D Funding Be Utilized?

The primary focus of this capital injection is to accelerate growth trajectories and enhance the underlying technology stack that powers Addi's AI-driven financial infrastructure. By strengthening its digital product portfolio, Addi aims to move beyond simple credit to become a comprehensive financial services hub. The company, which has already been profitable for two years, is now positioned to dominate the intersection of commerce and fintech in the Andean region.

"Over the past seven years, we’ve built the leading financial and commerce platform in Colombia, creating an AI-first technology company that serves millions of Colombians and tens of thousands of merchants. While we’ve been profitable for two years, we decided to raise this round to accelerate our growth trajectory and bring world-class partners to the table," said Santiago Suárez, CEO and Co-founder of Addi.

FF NEWS TAKE:

This announcement absolutely moves the needle for Latin American fintech. Addi isn't just another BNPL provider; they are building the AI-driven financial infrastructure that Colombia’s economy has lacked. Securing backing from heavyweights like BTG Pactual and J.P. Morgan proves that institutional trust in Colombian fintech is at an all-time high. Addi’s transition to a regulated entity suggests they are ready to challenge traditional banks on their own turf.