How Arcor, LATAM's largest food manufacturer, increased their ticket by 18%.
Latin America's largest food manufacturer enabled massive credit for 200,000 points of sale, maintaining a default rate below 0.3%.
Schedule a demoMassive scale in the traditional channel.
Sales that weren't closing. Decisions that arrived too late. Arcor needed a way to extend credit at scale without turning it into an operational problem.
Before AltScore, granting credit to their B2B buyers meant manual processes, slow evaluations, and hard-to-measure risk—a system that slowed growth instead of driving it.
Growth barriers at the point of sale.
Arcor manages an enormous distributor network, but faced a critical barrier: 90% of their points of sale had little or no access to financing.
Key points:
- Over 200,000 merchants without traditional credit history.
- Manual evaluation processes that delayed approvals.
- Low, static limits that prevented customers from scaling their purchase volumes.
Microcuotas: Smart, integrated credit.
Together with Arcor, we implemented MicroCuotas, a payment method integrated directly into their B2B e-commerce and sales force systems. This solution allows customers to finance their purchases seamlessly and frictionlessly.
AltScore's scoring engine evaluates risk in real time and assigns dynamic credit lines that adjust to each merchant's behavior.
The entire operation connects with the ERP to automate reconciliation and portfolio monitoring without manual processes. The result: Arcor runs its credit program at scale with no manual processes and full portfolio visibility.
Direct impact on sales with minimal risk.
The implementation of MicroCuotas generated clear and measurable business results.
In distributors enabled with AltCard.
Below the industry benchmark.
Credit volume channeled through AltCard.
Customers didn't just buy more, they bought variety.
“With AltCard we were able to give thousands of merchants immediate access to reliable credit, driving their growth and strengthening the traditional channel.”
Want results like these?
Talk to our team and discover how AltScore can transform your operation.