Data Room · 2026 · Confidential

The next-generation
infrastructure
for TradeFi.

Welcome to our Data Room. Here we have consolidated all of Starkapital’s relevant information and documentation, to give you a clear, structured and transparent view of the company as we build traditional finance powered by artificial intelligence.

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$0MActive portfolio (AUM) COP
0%Historical loss rate
0Team members
0%Recovery rate
About Starkapital

A deliberately efficient financial operation, leveraged on artificial intelligence.

We are not trying to disrupt a market: players with similar functions already exist in our space. Our thesis is to compete from a different advantage: a light operating structure, intensive AI automation and a cost per processed unit significantly lower than our competitors’.

That combination —less friction, fewer hands, more automation— is what sustains superior profit margins and lets us scale without growing headcount.

Starkapital does not stand out for being the first to offer its functions, but for executing them with a radical efficiency that redefines the traditional operating model: where competitors require massive structures, we operate with a minimal team and integrated AI models that execute, supervise and optimize every process.

Automating “the hard part” lets us drastically reduce costs, accelerate response times and raise the service standard: our people are freed from the technical load to focus on personalized, empathetic, high-fidelity attention. We thus achieve a scalability where volume grows without increasing costs.

The essentials · Team
7 professionals.
Headquarters
Bogotá, Colombia.
Model
Lean operation with intensive AI-based automation to accelerate critical processes and improve margins.
Operations start
May 2024.
Current focus
Productive mobility — taxi financing with real collateral and telemetry.
Efficient operating structure
A light structure: seven people operating a volume traditional banking would serve with hundreds.
The problem we solve

A two-way problem in the financial system.

The exclusion of the informal market

The client

Millions of productive people with irregular or informal income flows —like the taxi-driver guild— are “invisible” to traditional banking. Because they don’t fit standard risk models, they are left without access to formal credit to grow.

The operating-cost trap

The industry

Why doesn’t banking serve them? Because in traditional finance, growing is expensive. Every new client or transaction demands more people validating, reconciling and reporting. It is a heavy, slow structure that erodes margins, making it unviable and unprofitable to serve this segment of the population.

How we solve it

Starkapital breaks this barrier. We give these “invisible” clients access to credit by making the model profitable through Artificial Intelligence. We automate reviews, decision rules and reconciliations, so a team of just seven people operates massive volume with immediate response times and a cost per operation that collapses as we grow.

Productive mobility in Bogotá
A portfolio backed 1 to 1 by productive assets with IoT technology, with a 0% loss rate and strictly controlled delinquency.
Financial performance & traction

An accelerated growth curve on a structurally healthy spread.

A niche model with high demand and a projected differential of ~10% to 12% between our 28% E.A. origination rate and the target institutional funding cost.

$1.790MCumulative originated portfolio (COP) — capital historically disbursed
$1.600MActive portfolio · AUM (COP) — outstanding principal after Q2 2026 disbursements
$55,3MAverage ticket per asset (COP) — current focus: taxis
100%Recovery rate · 0% loss rate · delinquency <3%

Cumulative revenue

Historical figures and calendar year-end projection (COP).

$21,0M
20246 months
$73,1M
20253.4x YoY
$270M
2026 · Sc. 1organic
$360M
2026 · Sc. 2base case
$400M
2026 · Sc. 3max capacity

2024 (6 months of operation): $21,014,000 COP · 2025 (full year): $73,073,272 COP · 2026 projected under the “Operación Lomo Fino” credit discipline.

2026 year-end projections · Real origination capacity

“Operación Lomo Fino” (Prime-Cut Operation)

Although we have a massive pipeline, we limit our operating capacity to a maximum of $400 million COP per month. This ensures we only originate the cream of the market: exclusively taxis in 2 controlled showrooms, with hyper-conservative risk policies. Assuming the operational ramp-up and the real amortization effect on portfolio interest, we project the year-end close under three scenarios:

$0 COP in funding
$270MInterest income · 2026 close

Status quo — self-sustaining operation

Operating exclusively on collections from the current portfolio, interest income will close 2026 at $270,000,000 COP, securing the operating break-even point autonomously.

$1,000 million COP injection
$360MRevenue · 2026 close

Base case — deployment at $400M/month

Deploying this injection at a pace of $400M per month, the funding is 100% placed entering the fourth quarter. Under this curve we project a 2026 revenue close of $360,000,000 COP, keeping our zero loss rate intact.

Funding > $2,000 million COP
$400MRevenue · 2026 close

Healthy operating ceiling

If a larger tranche is enabled, Starkapital will reach its healthy operating ceiling by originating an additional $2,000 to $2,500 million through December. In this top-capacity scenario, revenue will close 2026 at $400,000,000 COP.

Note: any remainder of a structured facility of $4,000M or $5,000M will carry over as liquidity for secured origination in Q1 2027.

Commercial pipeline · Proven demand

We reject 53% of applications to guarantee asset quality.

Our conversion funnel shows massive demand in the productive-mobility segment, allowing us to be highly selective at origination.

$4.800MPipeline volume · filed applications (COP)
76Total applications in the pipeline
31Historically disbursed
5In final review stage
Growth with near-zero marginal cost
Volume grows without increasing costs: our marginal cost stays close to zero as we scale.
Differentiation

Five levers that sustain superior margins.

01

Operational efficiency

End-to-end automated processes; human intervention happens only where real judgment adds value. We cut operational noise to focus on flawless execution.

02

High-fidelity service

HUMAN-CENTRIC AI

Our AI handles the technical complexity and data processing in milliseconds, letting our human team focus exclusively on soft skills. A fintech where technology solves the problem, but a human connects with the client.

03

AI applied to the Core

Models integrated directly into the operating flow to reduce cycle times, eliminate manual errors and free up team capacity. Technology is not a patch — it is the engine that removes repetitive tasks.

04

Minimal cost structure

We operate with a team of 7 people, reaching productivity levels that would traditionally require a much larger and more expensive organizational structure.

05

Margin expansion

As transaction and client volume grows, our marginal cost stays close to zero. The automated base allows exponential growth without linear payroll increases.

Technological efficiency turned into human closeness and superior margins.

High-fidelity human service
Technology solves the problem, but a human connects with the client. Our people have the time and empathy the competition sacrifices.
Highlights 2026

Financial performance and technological efficiency.

Target Term Sheet · Institutional round

We aim to structure a debt facility (Warehouse Facility) of up to $5,000 million COP. To maintain risk discipline, funding will be absorbed in staggered tranches (operating cap of ~$400 million per month) with an expected target rate between 14% and 18% E.A.

Operating revenue growth

  • 2024 (6 months): $21,014,000 COP
  • 2025: $73,073,272 COP (3.4x YoY)
  • 2026 projected: $360,000,000 to $400,000,000 COP

Starkapital began formal operations in May 2024. A realistic projection based on the maturation of the current portfolio and the gradual injection of institutional resources. We intentionally cap growth at our healthy operating ceiling of $400M/month to guarantee a zero loss rate.

Operational efficiency · Lean model

Unlike traditional banking, we operate without physical branches or collection armies, achieving per-employee efficiency far above the industry.

  • $110,000,000 COP / person — annualized run-rate revenue per FTE, over an active headcount of 7 with payroll cost normalized to market prices.
  • Origination operating cost reduced to its minimum thanks to funnel digitalization and dematerialized, registered collateral (Confecámaras / Transit authority).

Technology at the core · Risk & telemetry

We apply technology directly to real-time risk mitigation on the underlying asset.

  • Collateral monitoring: 100% of the financed fleet has telemetry (GPS) tracking, giving the exact location of our collateral in real time.
  • Technology roadmap: part of this round’s resources will accelerate the integration of automated remote locks (Kill Switch), taking collection efficiency to the next level.

Disciplined capital structure

Starkapital operates with a structured cash flow where the financial spread itself (projected differential of ~10% to 12%) sustains the operating burn rate, which remains strictly controlled. Funds raised go exclusively to capital injection for productive origination and the deployment of our technology infrastructure.

Current challenges

Where our bottleneck is today.

Capital deployment gap

We have proven commercial demand and installed operating capacity to support massive volume without growing headcount. Our only bottleneck is the capital available to lend. More liquidity translates directly into more loans disbursed, immediate client service and the expansion of our profit margin.

Maturing the automation layer

We are in an intentional phase of technological deepening: expanding the coverage of AI-automated processes, strengthening internal controls and monitoring mechanisms, and consolidating the operational documentation that lets volume scale without scaling headcount. It is a short-term execution focus that sustains the efficiency thesis.

Data Room documentation
Twenty-six documents supporting the company’s thesis, operations and corporate governance.
Documentation

The complete file, organized by subject.

Six document blocks. Each document opens in a new tab on Google Drive.

Contact & next steps

Thank you for your interest in exploring an investment opportunity.

This Data Room provides a preliminary view of Starkapital’s structure, regulatory framework, traction and strategic roadmap. It is intended solely for initial evaluation and does not include all materials shared in an advanced due diligence.

If your team remains interested after this initial review, we would be glad to move forward with the following steps:

STEP 01

Confidentiality extension & access

By mutual agreement, we can grant access to additional materials —including detailed financial, legal and technical documentation— under a customized NDA.

STEP 02

Due diligence & term alignment

Structured conversations to explore alignment on valuation, structure and terms toward the definitive agreements of Starkapital’s current round.

JF

Juan Felipe Arbeláez

Chief Executive Officer & Co-Founder
gerencia@starkapital.com Juan Felipe’s calendar LinkedIn starkapital.com
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