# Treinta **Source:** https://geo.sig.ai/brands/treinta **Vertical:** Finance **Subcategory:** Accounting Software **Tier:** Emerging **Website:** treinta.co **Last Updated:** 2026-04-14 ## Summary Bogotá YC W21 digital bookkeeping app for Latin American microbusinesses with 5M+ users across 18 countries; free transaction recording and credit access competing with Alegra and Finkargo for LATAM informal SMB financial management. ## Company Overview Treinta is a Bogotá, Colombia-based digital bookkeeping and financial management platform — backed by Y Combinator (W21) — providing microbusinesses, informal merchants, and small enterprises across Latin America with a free mobile app for recording sales and expenses, tracking inventory, viewing real-time business metrics, and accessing embedded financial services (credit, payments, banking) through a super-app approach to small business financial management. Founded in August 2020 by Juan Salcedo and Carlos Medina, Treinta grew to 5 million+ users across 18 countries in Latin America in its first three years, achieving 400%+ monthly active user growth in its early months — addressing the fundamental pain point that 99%+ of Latin American microbusinesses (street vendors, home-based businesses, informal retailers) have no formal bookkeeping, making it impossible to access credit, manage cash flow, or understand business performance. Treinta's growth strategy centered on radical accessibility for the informal economy: the app (iOS and Android, in Spanish and Portuguese) requires no accounting knowledge — users tap to record a sale (amount, category, customer), tap to record an expense, and the app automatically generates daily/weekly/monthly P&L summaries, accounts receivable tracking (who owes what), and inventory depletion alerts. The free-forever core bookkeeping model (following the WhatsApp/Duolingo free adoption approach for emerging markets) drives the user base that Treinta monetizes through financial services: small businesses with 6+ months of Treinta transaction history have demonstrated creditworthiness data that enables Treinta to offer working capital loans and credit lines underwritten from the merchant's own cash flow record rather than traditional credit bureau scores that most informal businesses lack. The 18-country footprint (Mexico, Colombia, Peru, Brazil, Argentina, Chile, and 12 others) reflects the Pan-LATAM informal economy opportunity. In 2025, Treinta competes in the Latin America microbusiness financial management, informal SMB bookkeeping, and LATAM fintech market with Finkargo (SMB working capital, $62M raised), Alegra (cloud accounting for SMBs in LATAM, $40M raised), and Contifico (Ecuador SMB accounting) for small business financial platform adoption across Latin America. The LATAM informal economy (60%+ of workers operate informally without formal business registration) has been historically underserved by formal financial products requiring business bank accounts, tax registrations, and credit histories that informal merchants don't have. Treinta's YC W21 cohort positioned the company in the broader emerging market fintech wave alongside Latin American neobanks (Nubank, Ualá, Klar) that have demonstrated the region's appetite for mobile-first financial products. The 2025 strategy focuses on growing the embedded credit and payment products for Treinta's 5M+ merchant user base, expanding the inventory management features for product-based businesses, and building the B2B marketplace connections that enable Treinta merchants to purchase wholesale inventory through the app. ## Frequently Asked Questions ### What is Treinta? Treinta is a digital ledger and financial management app founded in 2020 that helps small businesses and microbusinesses across Latin America manage their finances. The company provides free-to-use tools for recording transactions, managing inventory, tracking business metrics in real-time, and accessing financial services. ### What products and services does Treinta offer? Treinta offers a digital ledger app, transaction recording tools, inventory management, business analytics, and small business financial services. All of these financial management tools are provided free to users. ### Who is Treinta designed for? Treinta is designed for small businesses and microbusinesses across Latin America, specifically serving the underbanked small business sector. The platform helps these businesses manage their finances and track their operations in real-time. ### When was Treinta founded? Treinta was founded in 2020 by Lluis Canadell and Man Hei Lou. The app officially launched on August 31, 2020. ### Where is Treinta based? Treinta is based in Bogotá, Colombia. The company operates across 18 countries in Latin America. ### Has Treinta received any notable funding or backing? Treinta was part of Y Combinator's Winter 2021 (W21) cohort. The company participated in this prestigious startup accelerator program. ### How many users does Treinta have? Treinta has achieved over 5 million users across 18 countries in Latin America. The company reached this milestone in just three years since its founding in 2020. ### What growth has Treinta experienced? Treinta experienced 400% monthly active user growth in its early months after launching in August 2020. The company has grown to 70 employees and expanded to over 5 million users across 18 countries in just three years. ### How much does Treinta cost to use? Treinta provides free-to-use financial management tools for small businesses and microbusinesses. The platform is designed to be accessible to underbanked businesses across Latin America. ### What is Treinta's approach to serving small businesses? Treinta focuses on providing real-time business metrics and financial management tools specifically designed for the underbanked small business sector in Latin America. The company offers a digital ledger that allows microbusinesses to track transactions, inventory, and business analytics all in one place. ## Tags b2b, fintech, mobile-first, latin-america, scaleup --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*