R2

Acquired

Embedded lending infrastructure

Winter 2021Founded 2020100 peopleMexico City, CDMX, Mexico

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About

R2 enables platforms to seamlessly offer capital to their SMB customers in Latin America

From their website

as of Jun 7, 2026r2.co ↗

API/InfraSubscription

R2 provides embedded lending infrastructure that enables platforms to offer financing to their merchants. It emphasizes seamless integration, AI-driven risk, and revenue-based repayment within a merchant’s existing platform.

R2 offers embedded financial services for platforms to extend credit to their merchants via pre-built APIs and SDKs. Features include AI-driven risk models that tailor offers using platform data, pre-approved and dynamic credit options from $100 to $100,000+, same-day funding, in-platform applications completed in under 5 minutes, revenue-based repayment proportional to daily sales, built-in KYC/compliance handled by R2, and ongoing agentic support. The integration is designed for fast launch (days/weeks) with minimal development effort and scalable, secure operation with out-of-the-box compliance.

Who it’s for: Platforms (e.g., marketplaces, e-commerce, SaaS, delivery apps) seeking to provide embedded lending to their merchants in Latin America.

Features

AI-driven risk models
Pre-approved dynamic offers
In-platform credit application
Same-day funding
Revenue-based repayments
Built-in KYC/compliance
Minimal tech effort for integration

Hiring/traction mentioned via client-facing content and partnerships; active product deployment across platforms in Latin America; multiple regions and a focus on onboarding partners quickly.

Founders · 2

Roger LarachFounder

I'm the Co-Founder and CEO of R2 (YC W21). Before that, I spent time with Latin American neobank, Ualá, launching operations in Mexico. Pior to Ualá, I was an investment banker focused on M&A and restructuring deals in Latin America.

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Roger TeranFounder

Uber

Co-Founder of R2, a startup that enables platforms to seamlessly offer financing to their SMB users in Latin America. R2 powers the capital arm of leading platforms, such as Uber, Rappi, and PayU, and we've financed 100,000+ SMBs through our embedded lending infrastructure. I have worked as a data scientist with several high growth companies. I started my career helping SMBs in Central America find growth capital. I am from El Salvador and I angel invest in other Latam founders on the side.

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