Lineru.

Lineru is our consumer lending arm and the largest product of its kind in Colombia.

Problem.

There are more than 25 MM people without access to credit lines in Colombia (out of a base of 33 MM).
73% of credit applications are denied by incumbent banks, leaving a large part of the population without any financing options.
Informal options such as “Gota a Gota” charge impossibly high interest rates and threaten personal security.

Solution.

Revolving credit line USD 50 – 500; up to 90 days term and 12 month contract.
Competitive and transparent pricing - 40% cheaper than our biggest competitor.
Flexible credit assessment - independents, thin files, and new-in-financial system customers.
High-speed approval - 18 secs on average .
Fast disbursement within 4 hours of approval.  

Results.

+75.000
Average monthly loan disbursements
+2 Million
Disbursed loans
25%
Below average market delinquency
13
Average loans per client
78
NPS
80%
Municipalicities reached
in Colombia
Síguenos en 
Ubicación
Bogotá, Colombia
Carrera 15 # 88-21, Oficina 901
Teléfonos
(+57) 3299833
(+57) 7616822
Correo para empresas
alianzas@zinobe.com
PQRs y otros
pqr@zinobe.com

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Registrada en Colombia - Suramérica - NIT 900449259-3

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