Aplazame is a technology company.
Aplazame has raised $1.9M across 2 funding rounds.
Aplazame has raised $1.9M in total across 2 funding rounds.
Aplazame is a Madrid-based fintech company that provides a buy now, pay later (BNPL) platform for e-commerce merchants, enabling instant credit approvals for online purchases through machine learning-driven risk assessments.[1][2][3] It serves consumers seeking flexible, paperwork-free financing and merchants aiming to boost sales conversion rates, average order values, and customer loyalty by integrating a seamless payment option at checkout.[1][5][6] The platform solves the problem of cumbersome traditional financing by offering real-time approvals based on 1,500 parameters like digital fingerprints from browsing behavior, while holding a unique consumer credit license in Spain.[1][3] With operations in Spain since 2013 and expansion to Mexico in 2018, Aplazame has grown to over 200 employees and $18.4 million in revenue, partnering with thousands of online stores.[3][6][7]
Founded in 2014 by Fernando Cabello-Astolfi (CEO), with advisor François Derbaix and early contributor Daniel Molina (ex-backend developer), Aplazame emerged from identifying a gap in simple online financing amid cumbersome traditional options requiring paperwork and delays.[1][3] The name "Aplazame" (Spanish for "postpone me") reflects its core function of deferring payments, starting operations in Spain in December 2013 before formal launch.[3] Early traction came from awards like South Summit's Fintech category, IAG's Hangar51 accelerator, and PwC’s Startup Collider, validating its algorithm-driven instant credit model.[3] Key investors including François Derbaix, Cabiedes & Partners, and ALLVP fueled growth through six funding rounds, enabling Mexico entry in Q1 2018 and strategic bank partnerships.[3]
Aplazame rides the explosive BNPL trend in fintech, disrupting rigid credit models with frictionless e-commerce financing amid rising online shopping post-2010s digital boom.[1][2] Timing aligns with e-commerce growth in Spain/Mexico, where traditional banks lag tech agility, allowing Aplazame to pioneer consumer credit integration and set standards via partnerships and risk tech.[1][3] Market forces like high mobile penetration, data-rich digital traces, and merchant demands for conversion tools favor it, influencing the ecosystem by onboarding e-commerces, activating bank deals, and normalizing deferred payments—competing with global giants while boosting regional fintech adoption.[1][3][7]
Aplazame is poised for scaled expansion, likely deepening Mexico presence, entering new markets, and enhancing AI risk models amid BNPL's global surge driven by economic pressures and e-commerce maturity.[3] Trends like embedded finance, regulatory evolution, and OpenAI integrations will shape it, potentially evolving from Spain's reference platform to a pan-LatAm leader via more investor rounds and financial institution ties.[1][3][4] As fintech matures, its influence could redefine merchant-consumer dynamics, tying back to its origins in simplifying "postponed" payments into a sales revolution.[1][3]
Aplazame has raised $1.9M in total across 2 funding rounds.
Aplazame's investors include Nazca Ventures, Rumbo Ventures.
Aplazame has raised $1.9M across 2 funding rounds. Most recently, it raised $900K Seed in April 2017.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Apr 1, 2017 | $900K Seed | Nazca Ventures, Rumbo Ventures | |
| Jun 1, 2016 | $1.0M Seed | Nazca Ventures, Rumbo Ventures |