Tienda Pago

Tienda Pago operates today in Mexico and Peru. TP provides a short (1 week) small credit finance line (average of $450) to small retailers in the traditional channel. The small retailers can only use the credit line to buy inventory from the Fast Moving Consumer Goods companies (FMCGs) that TP has an agreement (eg Coca Cola, ABInBev, Pepsico, Gloria, Movistar) with. The credit lines are managed using the cell phone of both small retailers and delivery personnel. The innovative model benefits both FMCGs and small retailers by increasing sales, allowing for cashless transactions and providing a formal credit to stores that do not have formal banking relations.