Kontempo

Kontempo operates a B2B commercial credit platform aimed at companies selling to other businesses, with a stated focus on the industrial sector in Mexico. The platform combines data, automation and AI to let a seller extend payment terms to its business buyers while outsourcing the underlying risk assessment, financing and collections work. Its product interface covers a portfolio dashboard showing the share of sales made on Kontempo credit versus internal credit versus cash payment, credit-line utilization, and the pipeline of credit applications and lines (unapplied, prequalified, in process, unused line, active).

Core modules described on the company site include payment links, which a seller can generate and send to a buyer over WhatsApp so the buyer can choose to pay in one, two or three installments at 30, 60 or 90 days, with a financing fee and VAT itemized at checkout; the Kontempo Score, an AI-supported creditworthiness assessment that draws on business information, cash flow and credit history and produces a risk rating for a specific customer (identified by RFC and location); AI collections agents that pursue payment from buyers via WhatsApp and phone calls; and a working-capital option that lets the seller choose what percentage of a sale to secure and when to be paid (from day 0 through the date the customer pays), against a stated commission.

The site frames the problem as sellers lacking reliable data to authorize credit, depending on buyer-reported figures, doing case-by-case risk analysis, carrying cash-flow risk from late or missing payments, and losing sales to manual collections and slow approvals. It also cites comparative figures for credit-enabled customers: 56% higher monthly spend and 72% higher retention versus customers without credit.

Business model

Kontempo sits between a business seller and its business buyers, underwriting and financing deferred-payment purchases. The site shows a financing fee charged on a credit purchase (illustrated at 3% plus 16% VAT on the order amount) and a commission on the working-capital option where the seller elects to be advanced part or all of a sale (illustrated at 3.30%), alongside a published pricing page.

Fees tied to financed transactions: a financing charge applied to buyer installment purchases (30/60/90-day terms) and a commission when a seller advances or secures payment on a sale.

Traction

The company reports MXN 3,000 million financed, 50,000 sales transactions and more than 1,000 companies on the platform.