Crédito Real acquired a 70% stake in Marevalley Corporation, enhancing its presence in Central America's growing financial services sector.

Target Information

Marevalley Corporation serves as a holding company overseeing the operations of Instacredit, which offers targeted credit products to low- and middle-income segments across Costa Rica, Nicaragua, and Panama. Established in 2000, the company has expanded its reach significantly, operating 52 branches in Costa Rica, 8 in Nicaragua, and 1 in Panama. As of September 2015, Instacredit reported a gross loan portfolio amounting to USD 159 million, indicating a robust presence in the financial service sector of these countries.

Industry Overview

The financial services industry in Central America is experiencing noteworthy growth, driven by increasing demand for credit and financial products among the rising middle class. Countries such as Costa Rica, Nicaragua, and Panama have seen a surge in consumer lending, as more individuals seek access to financial resources to support personal and business needs. This trend presents a lucrative opportunity for financial institutions aiming to serve an underserved market.

In Costa Rica, the economic landscape has been favorable for financial services, supported by a stable political environment and a growing economy. The microfinance sector,