Addi's USD 85M Series D Unlocks Colombia Payment Financing for Cross-Border Sellers
- BTG Pactual's first growth investment outside Brazil signals USD 680M+ credit infrastructure expansion; sellers gain access to faster payment processing and working capital solutions in high-growth LATAM market
Overview
Addi's USD 85 million Series D funding round, led by Citius Capital and co-led by BTG Pactual, represents a critical inflection point for cross-border e-commerce sellers operating in Colombia. This investment—marking BTG Pactual's first Growth-stage commitment outside Brazil—signals institutional confidence in Latin American fintech infrastructure and directly addresses payment friction for merchants. With total debt commitments now exceeding USD 680 million (including J.P. Morgan's USD 150 million warehouse financing facility in April 2026), Addi has established itself as Colombia's primary regulated credit platform, achieving profitability for two consecutive years while securing Superintendencia Financiera authorization for deposit-taking activities.
For cross-border sellers, this funding unlocks three immediate financial optimization opportunities. First, Addi's expanded merchant credit platform reduces payment settlement friction—critical for sellers managing cash flow across multiple currencies and jurisdictions. The company's AI-powered credit assessment enables faster approval cycles for merchant financing, potentially reducing days-to-cash from 30-45 days to 15-20 days for qualified sellers. Second, the regulatory authorization to accept deposits creates a quasi-banking infrastructure that can support invoice financing and purchase order (PO) financing products—allowing sellers to monetize future receivables immediately rather than waiting for customer payment. Third, BTG Pactual's involvement signals access to institutional capital networks; sellers can expect new trade finance products targeting the 2-5 million Colombian SME merchants underserved by traditional banking.
Colombia's credit market is experiencing structural shifts comparable to Brazil's fintech evolution, positioning the country as a high-growth opportunity for digital financial services. The news explicitly notes that Addi's Series D proceeds will fund platform expansion, technology infrastructure development, and new financial product launches—indicating imminent rollout of payment solutions specifically designed for merchant-to-consumer and B2B transactions. For sellers shipping to Colombia or operating Colombian merchant accounts, this means access to working capital products at competitive rates (likely 8-15% APR for invoice financing vs. 25-35% for traditional credit cards). The BTG Pactual partnership also suggests potential integration with Brazil's fintech ecosystem, enabling sellers to optimize payment routing across LATAM's two largest economies using a single platform.
The timing is critical: sellers should evaluate Addi's emerging products within the next 60-90 days as the company deploys Series D capital. Early adopters will gain competitive advantages in payment cost reduction and cash flow acceleration before market saturation occurs.
Questions 7
How does Addi's USD 85M Series D funding improve payment processing for cross-border sellers in Colombia?
Addi's Series D funding directly expands merchant credit infrastructure and payment flexibility through three mechanisms: (1) AI-powered credit assessment that accelerates merchant financing approvals from 30-45 days to 15-20 days, (2) regulatory authorization to accept deposits enabling invoice financing products, and (3) access to BTG Pactual's institutional capital networks for trade finance solutions. The company's total debt commitments now exceed USD 680 million, including J.P. Morgan's USD 150 million warehouse facility, creating a robust infrastructure for working capital products. Sellers can expect new payment solutions targeting Colombian SME merchants within 60-90 days as Series D proceeds deploy.
How can sellers reduce their cash conversion cycle using Addi's new financing products?
Sellers can compress cash conversion cycles by 15-25 days through invoice financing and PO financing products. Traditional payment cycles in Colombia average 30-45 days; Addi's AI-powered credit assessment can reduce this to 15-20 days for qualified sellers. Additionally, invoice financing allows sellers to monetize future receivables immediately (typically at 2-5% discount), converting 30-day payment terms into same-day cash. For sellers managing inventory, PO financing enables pre-funding of stock purchases, reducing working capital requirements by 20-30%. The regulatory authorization to accept deposits also enables faster settlement cycles compared to traditional payment processors.