TL;DR: If you are replacing Apurata, the closest options are Pesto, Tally, Kredi. The table below compares 12 alternatives on what they do, stage, size and status.
Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Apurata (YC Summer 2019).
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The three closest alternatives to Apurata are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Pesto | — | YC Winter 2021 | 8 | Active |
| Tally | — | YC Winter 2025 | 2 | Active |
| Kredi | Rocket Mortgage for LatAm. | YC Winter 2021 | 66 | Active |
| Nexu | Financing platform for LatAm car dealerships. | YC Winter 2020 | 63 | Active |
| Satchel | — | YC Summer 2018 | 8 | Inactive |
| R2 | Embedded lending infrastructure | YC Winter 2021 | 100 | Acquired |
| Facio | Salary advance to employees in Brazil. | YC Winter 2020 | 36 | Active |
| Kovi | Making car ownership more inclusive, flexible and simple. | YC Winter 2019 | 890 | Acquired |
| Atrato | Enabling consumers split the cost of purchases without a credit card | YC Winter 2021 | 80 | Active |
| Bueno Finance | Building Chime for India | YC Winter 2021 | 18 | Acquired |
| Debteye | Automate credit counseling. | YC Summer 2011 | 2 | Acquired |
| Y Combinator | Make something people want. | YC Unspecified | 100 | Active |
It depends on your size. Pesto is the closest match on what Apurata actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.
Apurata is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.
Every company here is Y Combinator-backed and was matched to Apurata on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.
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