Lima Startups to Watch in 2027: Verified Fintech, Ticketing, E-invoicing and HR Tech Companies in Peru's Capital
Lima is Peru's capital and the place where most of the country's tech companies register, raise money and hire. Its startups are practical: they solve everyday problems in a market where many people change dollars to soles, small firms struggle to get bank loans, and every company must send electronic invoices to the tax authority. The 2026 version of this article listed ten names. When we checked them, several had moved their parent company to the US, one is a convenience store chain, one is the local site of an international bus ticketing brand, and two could not be found at all. For this 2027 edition we checked each company on its own website in November 2026 to confirm that it still operates, that it gives an address in Lima, what it sells and what it publishes about its size and funding. What happened to the old names is listed near the end.
Quick answer: the Lima startups to watch in 2027 are Kambista and Rextie (online currency exchange), Prestamype (loans and factoring for small businesses), Joinnus (event ticketing), Nubefact (electronic invoicing) and Krowdy (hiring software). Rextie publishes the biggest figures: more than US$8 billion exchanged and Citi as a strategic investor. For support, start with ProInnóvate's StartUp Perú competitions, UTEC Ventures (including Femlab for women founders) and CIDE-PUCP.
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Why Lima Matters for Founders in 2027
Peru has a few problems that local startups turned into businesses. Many households and companies hold both soles and US dollars, which created a market for online currency exchange houses. Small businesses often lack access to bank credit, which opened a gap for alternative lenders and factoring. And because electronic invoicing is part of the tax system, software that issues and validates e-invoices became a business in its own right. Several of the companies below are registered with Peru's banking regulator, the SBS, or authorised by the tax authority, SUNAT.
For the wider region, compare our lists of Mexico City startups to watch and El Paso startups to watch, and our guide to the top cities for AI startups in South America.
Lima Startups to Watch in 2027 Compared
Sources: each company's official website, footer, terms or about page, checked 1 November 2026.
The Lima Startups to Watch in 2027
1. Kambista: changing dollars and soles online
Kambista lets people and companies change US dollars and Peruvian soles online and transfer the money to their bank accounts, with a separate offer for companies and a rewards scheme called Koinks. Its own explainer calls it the first digital currency exchange house created in Peru. Its footer names Kambista S.A.C. with SBS register number 00335-2017, and gives its address on the Vía Expresa Luis Fernán Bedoya Reyes (formerly Paseo de la República) 3617 in Lima. It says it reports to Peru's financial intelligence unit to prevent money laundering. It does not publish funding figures, so we cite none.
Lesson for founders: Kambista took a service people used to queue for on the street and moved it online, with a better rate as the main promise. A clear price advantage is often the easiest message to sell.
Best for: founders in fintech, payments and consumer finance.
2. Rextie: a decade of online currency exchange
Rextie is an online currency exchange house for people and businesses, and also offers business exchange rates, factoring and confirming. Its homepage says it has led online dollar exchange in Peru for a decade and reports more than US$8 billion exchanged, more than 250,000 users and 19,000 companies. It shows Citi as a strategic investor and quotes a news report saying this was the bank's first investment in a financial technology company in Latin America. It also says it has held ISO 27001 security certification for three years in a row. Its footer gives REXTIE S.A.C. at Calle Las Camelias 256 in San Isidro, Lima.
Lesson for founders: Rextie added business services such as factoring to a consumer product. Once customers trust you with their money, related services for the same customers are easier to sell.
Best for: founders in fintech, B2B finance and regulated markets.
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3. Prestamype: loans and factoring for small businesses
Prestamype lends to small business owners against property, with loans of up to S/ 2 million, buys unpaid invoices through factoring, and lets people invest in these loans. Its homepage reports more than S/ 5,000 million in financing granted, more than 10,000 business owners financed and 10 years of operations. Its footer says Prestamype is a brand of P2P Finance Consulting SAC, registered in the SBS register of lending companies (Resolution SBS 05939-2019), and gives its office at Calle Mártir José Olaya 129 in Miraflores, Lima.
Lesson for founders: Prestamype serves business owners that banks often turn away and uses property as security to manage the risk. Find the customers that incumbents ignore and design the product around their reality.
Best for: founders in lending, SME finance and marketplaces that connect investors with borrowers.
4. Joinnus: ticketing for events and football
Joinnus sells tickets online and helps organisers create, promote and manage events, from concerts and theatre to courses and football matches. Its about page calls it a Peruvian company and the largest ticketing platform in Peru, and says that since 2014 it has made ticket sales for matches of the Peruvian Football Federation and the biggest clubs fully digital with named tickets. It reports more than 61,000 events and more than 16 million tickets generated, counted up to January 2024. Its terms name JOINNUS S.A.C., registered in the Lima and Callao registry, with its fiscal address on Calle 2 de Mayo in Miraflores, Lima. It does not publish funding figures.
Lesson for founders: Joinnus won large, demanding clients such as football ticketing, where security and named tickets matter. One flagship client can prove your product to the rest of the market.
Best for: founders in events, entertainment and marketplace software.
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5. Nubefact: electronic invoicing for Peruvian companies
Nubefact sells software that issues electronic invoices and other tax documents, and validates them for other companies. Its site says it is authorised by SUNAT, Peru's tax authority, both as an electronic services operator (OSE), which validates electronic invoices, and as an electronic services provider (PSE), and that it holds ISO 27001:2022 certification. Its footer names NUBEFACT S.A. at Calle Libertad 176, office 212, in Miraflores, Lima. It does not publish funding or customer numbers.
Lesson for founders: Nubefact built its business on a legal requirement: every company has to issue electronic invoices. Regulation that forces many firms to change at once can create a large market for simple software.
Best for: founders in SaaS, govtech, accounting and tax software.
6. Krowdy: hiring software behind Laborum
Krowdy builds hiring software: an applicant tracking system with skills tests, tasks and reference checks. Its old address, krowdy.com, now forwards to the employer site of the job board Laborum, which says it is powered by Krowdy and lets companies publish jobs on Laborum, test candidates, check references and hire in one platform. That site gives an address at Mariano Odicio 153 in Surquillo, Lima. It does not publish funding figures.
Lesson for founders: Krowdy's software now runs behind a well-known job board. Partnering with a brand that already has the audience can be faster than building your own.
Best for: founders in HR tech, recruiting and B2B SaaS.
Where Lima Startups Get Support
- ProInnóvate and StartUp Perú: the innovation programme of Peru's Ministry of Production runs StartUp Perú competitions for innovative and dynamic startups, StartUp Perú PLUG for startups from abroad, and co-financing for incubators, accelerators and angel networks. It publishes its calendar of competitions for the year on gob.pe; check it for the current open and close months before you plan an application.
- UTEC Ventures: says it has backed first-time founders building tech companies since 2014. Its programmes include StartUp, an accelerator, the La Mezcladora Challenge, Aceleración de Cimientos and Femlab, a 9-week incubation programme for women founders who are Peruvian or live in Peru.
- CIDE-PUCP: the Centre for Innovation and Entrepreneurial Development of the Pontificia Universidad Católica del Perú, on the PUCP campus in Lima. It says it has more than 20 years of experience in Peru's startup ecosystem and runs training programmes, full-day courses and events for entrepreneurs.
Two names from older guides have changed: Wayra's site now lists Spain, Germany, the United Kingdom and Brazil as its markets, not Peru, and the old Kunan website now shows unrelated adverts, so we no longer link to it.
Lima Companies From the Old List That Changed or Could Not Be Verified
The 2026 version of this article listed ten names. Here is what we found when we checked each one in November 2026:
- Chazki: active, but no Lima head office on its site. The last-mile delivery company says it started in Arequipa in 2015 and now serves more than 25 cities in Mexico, Peru, Colombia, Argentina and Chile, with clients such as Amazon, Mercado Libre and Walmart. Its site gives no Lima head office address, so it is not in the main list.
- Crehana: active, parent company now in the US. Crehana has become an HR platform used by more than 1,200 companies in Latin America. Its terms name Crehana Education, Inc., a Delaware company with a Miami address, plus a Peruvian subsidiary. Its own blog announced a US$70 million Series B led by General Atlantic, which its law firm dated August 2021.
- uDocz: active, US company. The study platform now offers AI learning tools and says it helps 4 million students a month in 20 countries. Its terms name UDOCZ, Inc. under California law, and we found no Lima address on its site.
- Talently: active, changed focus. It now helps US startups hire senior engineers and nearshore teams in Latin America, and its terms name Talently Inc. We found no Lima address.
- Netzun: active, address not confirmed. The online course platform lists more than 600 courses and 1.9 million registered students, but its site gives no company address, so we could not confirm a Lima base.
- Removed: Corezero (we found no blockchain fintech of that name; corezero.com is an unrelated music studio), Tiendatek (no trace of the company; the domain points to an unrelated parts shop), Tambo (a convenience store chain, not a startup), Foodology (its website is Colombian and we found no Lima base) and Redbus Peru (the Peruvian site of the redBus bus ticketing brand, not a Lima startup).
We also removed the old article's ecosystem ranking, its venture capital and sector percentages, and its growth claims, which had no primary source, plus its links to third-party startup lists.
Which Lima Startup Should You Learn From?
- You build fintech: study Kambista for a simple price promise, Rextie for adding business services, and Prestamype for serving the customers banks turn away.
- You build B2B software: study Nubefact for building on a legal requirement and Krowdy for partnering with a brand that already has the audience.
- You build a marketplace or consumer app: study Joinnus for winning one demanding flagship client.
- You plan to raise abroad: study Crehana and uDocz, which kept Peruvian teams and customers but set up US parent companies.
- You are just starting: look at StartUp Perú's competitions and UTEC Ventures' programmes, and if you are a woman founder in Peru, at Femlab.
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How Founders Use Lima's Startup Scene
Notice the pattern: the strongest Lima companies solve a problem that is specific to Peru, such as currency exchange, small business credit or tax invoices, get registered or authorised by the regulator, and only then expand. If you are choosing where to build, compare Peru with other options in our guides to the best countries for early-stage startups and the best cities for early-stage startups, and see how a big North American ecosystem works in our guide to startup cities in North America.
For non-dilutive money, read our guides to deep tech grants in South America and grants for female entrepreneurs.
Before you copy any of these business models, validate your startup idea with real customers. Customers and investors search online first, so you need to be easy to find: list your startup in the F/MS marketing directories, publish your startup press release, and write about your product with the F/MS AI SEO Tool so customers, investors and AI assistants can find you.
FAQ About Lima Startups to Watch in 2027
Which Lima startups should I watch in 2027?
Our verified list: Kambista, Rextie, Prestamype, Joinnus, Nubefact and Krowdy. Each still operates and gives a Lima address on its own website, checked in November 2026.
Which sectors are strong in Lima?
Fintech stands out: two online currency exchange houses (Kambista and Rextie) and a lender to small businesses (Prestamype). Lima also has strong B2B software, such as Nubefact for electronic invoicing and Krowdy for hiring, and consumer platforms such as Joinnus for ticketing.
Which Lima startup publishes the biggest numbers?
Rextie reports more than US$8 billion exchanged, more than 250,000 users and Citi as a strategic investor. Prestamype reports more than S/ 5,000 million in financing granted. Neither publishes a funding total.
Are Lima fintech startups regulated?
Several are registered with the SBS, Peru's banking and insurance regulator: Kambista in the register of currency exchange companies and Prestamype in the register of lending companies, according to their own websites.
Is Crehana still a Lima startup?
Crehana was founded in Peru and still has a Peruvian subsidiary, but its terms now name Crehana Education, Inc., a Delaware company with a Miami address. It has also changed from an online course platform into an HR platform.
Where can founders in Lima get support?
ProInnóvate's StartUp Perú competitions for startups and support entities, UTEC Ventures for incubation and acceleration, and CIDE-PUCP for training at the Pontificia Universidad Católica del Perú.
Is there support for women founders in Peru?
Yes. UTEC Ventures runs Femlab, a 9-week incubation programme for women founders who are Peruvian or live in Peru. Fe/male Switch also offers a startup game with a free 2-week trial.
What happened to the startups on the old list?
Chazki, Crehana, uDocz, Talently and Netzun still operate, but we could not confirm a Lima head office for them on their own sites. Corezero and Tiendatek could not be found, Tambo is a store chain, Foodology is Colombian and Redbus is an international brand.
What can founders learn from Lima startups?
Solve a problem that is specific to your country, get the licences your market requires early, and use partnerships, such as Krowdy with Laborum, to reach customers faster.
Where can I get a backlink by writing about my startup?
You can publish a guest post in one of the Fe/male Switch startup blogs, which rank in Google and in AI tools. Get a quality backlink.
About the Author
Violetta Bonenkamp, also known as MeanCEO, is an experienced startup founder with an impressive educational background including an MBA and four other higher education degrees. She has over 20 years of work experience across multiple countries, including 5 years as a solopreneur and serial entrepreneur. Throughout her startup experience she has applied for multiple startup grants at the EU level, in the Netherlands and Malta, and her startups received quite a few of those. She’s been living, studying and working in many countries around the globe and her extensive multicultural experience has influenced her immensely.
