Fractional CFO services in Lima
Lima is South America's top-ranked startup hub by StartupBlink's city index and Peru's clear-cut tech capital, with Miraflores, San Isidro and Surco collectively hosting the majority of the country's 346 active startups.
The ecosystem attracted USD 257m in venture funding between 2022 and 2024, with fintech accounting for 58% of total investment - driven by consumer payment infrastructure built around Yape (BCP's digital wallet, 12m+ users) and Plin (the Interbank/BBVA/Scotiabank consortium rails) that have produced deep product and engineering talent now recycling into independent fintech startups.
We work with Lima-based startups from seed to Series B+, supporting them on financial modelling, fundraise prep, cap table management, runway management and investor reporting.
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Lima startup ecosystem
South America's top-ranked city startup hub
StartupBlink ranks Lima as South America's highest-performing city-level startup ecosystem in its global index, ahead of Buenos Aires and São Paulo at city (not country) granularity. Peru's startup ecosystem ranks 6th in South America and 69th globally. The country's 346 active startups are overwhelmingly concentrated in Lima's three main tech districts - Lima Centro (236 startups), San Isidro (36) and Miraflores (30).
Fintech infrastructure and edtech anchor the ecosystem
Yape - BCP's digital wallet with 12m+ users - and the bank-consortium Plin platform have collectively digitised payments for tens of millions of Peruvians, producing the infrastructure talent base on which independent fintechs (Kambista, Culqi, Rextie) are now building. Crehana (edtech, 5m+ users) and Joinnus (events ticketing) represent the consumer tech layer. Peru's UTEC Ventures specifically targets fintech, foodtech, agritech and edtech in its investment mandate.
Miraflores, San Isidro and Surco as the tech districts
Miraflores hosts the highest density of co-working spaces, accelerator offices and early-stage startups - anchored around the Parque Kennedy area and the Miraflores Tech district. San Isidro houses corporate headquarters and later-stage companies in proximity to Lima's financial services sector. Surco (Santiago de Surco) is the residential hub for senior operators and angel investors from PUCP and UTEC alumni networks.
Engineering talent from PUCP and UTEC
Pontificia Universidad Católica del Perú (PUCP) is Peru's top-ranked university and the primary source of engineering and software talent. UTEC (Universidad de Ingeniería & Tecnología) was purpose-built as an engineering-first institution and operates UTEC Ventures - one of LatAm's few university-backed venture funds targeting pre-revenue software startups. Emprende UP at Universidad del Pacífico supplies the commercial and finance talent pipeline most relevant to startup CFO and commercial roles.
Accelerators and angel networks active in Lima
Lima's accelerator infrastructure is anchored by university-backed programmes (UTEC Ventures, Emprende UP) and government-adjacent support (ProInnóvate, StartUPC), with Endeavor and Wayra providing the private-sector layer.
UTEC Ventures
UTEC Ventures is the venture capital arm of Universidad de Ingeniería & Tecnología, investing in pre-revenue software startups across fintech, foodtech, agritech and edtech in LatAm. It is one of the few university-backed VC funds in the region with a formal investment mandate, providing capital, mentorship and access to UTEC's research and engineering talent pipeline.
Emprende UP
Emprende UP is the entrepreneurship centre of Universidad del Pacífico - Peru's leading business school - running structured pre-seed acceleration for early-stage founders. Its cohorts are heavily weighted toward fintech, retail-tech and services businesses, with direct connections to Lima's financial services sector through the UP alumni network in BBVA, BCP and Interbank.
StartUPC
StartUPC is the entrepreneurship accelerator of Universidad Peruana de Ciencias Aplicadas, running idea-stage to MVP acceleration for student and external founders. UPC is Peru's largest private university by enrolment, giving StartUPC a broad talent pipeline across engineering, marketing and business disciplines.
Wayra Perú
Wayra Perú is Telefónica's corporate venture arm in Lima, investing €50k–€200k tickets in early-stage IoT, B2B SaaS and telco-adjacent startups. Portfolio companies gain commercial access to Telefónica's Peruvian subscriber base and the Movistar corporate sales channel - a meaningful distribution advantage for B2B founders targeting enterprises.
Endeavor Perú
Endeavor Perú selects high-impact Peruvian entrepreneurs through its international panel process and connects them to Endeavor's global mentor and investor network. Peru is one of Endeavor's active LatAm markets - selected founders gain access to the Endeavor Catalyst co-investment fund and a mentor network that spans from Lima to Silicon Valley.
ProInnóvate
ProInnóvate (formerly Innóvate Perú) is Peru's government innovation agency administering non-reimbursable R&D and innovation grants for technology startups. It provides the primary source of pre-seed public capital for Lima founders before private seed rounds, with grants typically structured as co-investment matching commercial traction or university partnership.
Startups founded in Lima
Lima's startup output is led by fintech payment infrastructure and edtech, reflecting the city's large unbanked population and its position as South America's third-largest city by population.
Crehana
Crehana is a Lima-founded edtech platform providing online professional skills training with AI-driven personalised learning paths and 5m+ registered users. Backed by Kaszek and IGNIA, it has expanded to 10+ countries and pivoted to a B2B corporate training model - serving HR and L&D buyers at large enterprises across LatAm.
Joinnus
Joinnus is Lima's leading event ticketing and discovery platform, serving concert promoters, sports events and cultural institutions across Peru and Colombia. It has processed millions of tickets and is the dominant digital ticketing infrastructure for Peru's events economy - the local equivalent of Eventbrite with deeper market penetration.
Kambista
Kambista is a Lima-founded digital foreign exchange platform providing USD/PEN and other LatAm currency conversions at mid-market rates for individuals and SMBs. It targets the large population of Peruvians who remit or hold USD savings but have historically exchanged through street cambistas at unfavourable spreads.
Culqi (Krealo)
Culqi is Peru's leading payment gateway, founded in Lima and subsequently acquired by Credicorp (Peru's largest financial group) through its fintech venture arm Krealo. Culqi processes card payments for Peruvian e-commerce merchants and has become the default payment stack for Peruvian-founded digital businesses.
Manzana Verde
Manzana Verde is a Lima-founded healthy meal subscription and delivery service backed by Y Combinator, operating across Lima, Bogotá and Mexico City. It represents the consumer food-tech segment of Lima's startup output - a city where on-demand food delivery penetration has grown rapidly among the ABC1 demographic in Miraflores and San Isidro.
Yape (BCP)
Yape, launched by Banco de Crédito del Perú (BCP), is Peru's most-used digital payment app with 12m+ registered users and the dominant P2P payment rail for the country. While bank-owned rather than independent, Yape's product and engineering alumni have become the primary source of fintech operator talent cycling into Lima's independent startup ecosystem.
We provide fractional CFO services across Lima and beyond
Simple pricing
No hidden costs, no complicated long-term contracts. We understand how important flexibility is for Lima startups.
Per month
- Accounting / FP&A tech stack implementation
- Monthly financial statements and reporting pack
- Quarterly board pack with detailed financial analysis (with variance analysis vs. budget, relevant KPI observations etc.)
- Investor-friendly output
Per month
- Everything in Core, plus
- Operating model (via an online platform like Runway or Excel-based)
- Ongoing model maintenance, refining projections, burn/runway management
- Customer cohorts modelling, churn and retention analysis
- LTV / CAC, unit economics analysis
- Cap table management
Per month
- Everything in Grow, plus
- M&A / fundraising support; review of business plan
- Pitch deck preparation
- Investor approach strategy / list building
- Due diligence support and deal negotiation
- Valuation as required and free access to Multiples Pro
Packages shown are illustrative, final pricing is tailored to client requirements.
Recently completed fractional CFO projects
Selected fractional CFO engagements and prior CFO experience.
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