R2 Capital
1 known investors
R2 provides embedded financing infrastructure that lets platforms offer capital to their merchants, using API integrations, AI-driven risk models, and built-in KYC and compliance. It supports pre-approved, sales-based repayment loans ranging from $100 to over $100,000 with same-day funding.
Also known as R2 · R2 Capital
Investors · 1
Company profile
researched Aug 2026R2 is a fintech company that supplies embedded financial services to digital platforms in Latin America, allowing payment processors, e-commerce operators, marketplaces, point-of-sale providers and SaaS companies to offer lending and merchant cash advance products to the merchants and earners on their platforms. Financing is delivered through pre-approved, dynamically generated offers built from platform data, with applications completed inside the partner's existing user flow and funds disbursed the same day. Repayment is taken as a percentage of the merchant's daily sales on the platform, and the company states there are no prepayment penalties.
R2 assumes the credit risk on the loans it originates and provides the underlying liquidity, positioning the partner platform as the distribution channel rather than the lender. It also handles verification and compliance in all markets where it operates other than Brazil, where a licensed Lending-as-a-Service partner acts as the financial institution responsible for KYC and compliance and R2 serves as a second compliance layer. Beyond merchant credit, R2 has extended the model to individual earners, including drivers and couriers on ride-hailing and delivery platforms.
A company directory describes R2 as a multilatina fintech addressing the SME financing deficit in Latin America by improving access to working capital, with headquarters listed in Miami and offices including Bogotá and Mexico City.
Business model
R2 partners with platforms that already process merchant transactions and embeds credit products into those platforms via APIs, SDKs and pre-built components. The platform distributes the offering to its merchant base and earns a new revenue stream, while R2 underwrites, funds and services the loans and carries the credit risk, including collections and AI-agent-based support and servicing.
Financing is extended as revenue-based loans and merchant cash advances repaid through a fixed share of the merchant's daily sales processed on the partner platform; partner platforms participate through a revenue-sharing arrangement described as a new revenue stream.
Traction
The company reports more than 180,000 loans granted and operations across five countries. It has a partnership with Uber covering drivers and couriers in Mexico, Colombia and Peru, and entered Brazil with support from Ant International.
Latest developments
In August 2026 R2 announced its launch in Brazil with the support of Ant International, stating that a first Brazilian partner would be announced subsequently. Earlier that month it expanded its Uber partnership from restaurants to gig workers, making the Uber Earners pre-approved credit program available to drivers and couriers in Mexico, Colombia and Peru.
▸Full profile — market position, technology, go-to-market, geography
Market position
The company positions itself as a leading embedded finance platform in Latin America and states that it powers financial services on leading platforms in the region. A directory profile characterises it as a multilatina fintech focused on the SME financing gap in Latin America.
Differentiating elements cited by the company include taking on the credit risk itself and providing the liquidity, owning KYC and compliance end to end outside Brazil, pre-approved offers generated from the partner's own platform data, sales-proportional repayment, same-day funding, and integration timelines measured in weeks rather than months.
Technology
The product is delivered through pre-built APIs, SDKs and an embedded front-end component intended to allow partners to launch in weeks. AI-driven risk models use platform transaction data to determine which merchants receive offers, the size of those offers and their timing, generating new offers monthly. KYC, compliance, data privacy and security controls are provided out of the box, and AI agents handle ongoing support and servicing.
Go-to-market
R2 sells business-to-business to platforms, using a demo-request funnel on its website that segments prospects by business type (payments processing, e-commerce, marketplace, POS, SaaS) and expected launch date, and a partnerships channel for growth inquiries. Distribution to end merchants happens through the partner's own product surface, with credit requests completed in-platform in under five minutes and no redirects.
Digital platforms in Latin America — payment processors, e-commerce businesses, marketplaces, POS providers and SaaS companies — and, through them, the merchants selling on those platforms as well as gig-economy earners such as ride-hailing drivers and delivery couriers. Ticket sizes range from $100 to over $100,000.
Geography
R2 lists operations in five countries: Brazil, Chile, Colombia, Mexico and Peru. Its headquarters is listed as Miami, United States, with offices including Bogotá and Mexico City. The Uber Earners financing program is live in Mexico, Colombia and Peru.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 2
launches, deals, and filingsR2 announced the launch of its embedded financing operation in Brazil, supported by Ant International, a global fintech with payments and embedded finance expertise, and said a first Brazilian partner would be announced later.
R2 expanded its partnership with Uber, taking the Uber Earners financing program — pre-approved credit offered to drivers and couriers directly in the Uber app — live in Mexico, Colombia and Peru.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 8
primary sources listed
- R2 Capitalr2capital.co · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does R2 Capital do?
- R2 is a Latin American embedded finance provider that lets platforms offer sales-based financing to their merchants.
- Who are R2 Capital's investors?
- R2 Capital's investors include Emles Venture Partners.