-7%

est. 2Y upside i

FinTechSeries A

Micro-lender in Mexico

Rank

#2478

Sector

Fintech

Est. Liquidity

~7Y

Data Quality

Data: Low

Amiloz is a high-risk, negative-expected-return equity position on a 2-year horizon: with only $4.25M in total funding, no disclosed revenue or valuation, and high competitive intensity from funded incumbents, the probability-weighted expected upside is approximately -7% before accounting for illiquidity.

Last updated: May 13, 2026

Bull (10%)+180%

Amiloz achieves strong product-market fit in Mexican micro-lending and raises a Series A at ~$30M valuation by mid-2027, generating ~180% paper upside on the estimated current implied entry price; however, this remains illiquid and the $4.25M preferred stack severely compresses realized common-stock gains.

Base (45%)+20%

The company survives but grows slowly against better-capitalized incumbents like Baubap and Kubo Financiero, closing a modest bridge round at a ~$12-14M step-up; paper upside approximates +20% over 2 years with the equity fully illiquid and no secondary market access.

Bear (45%)-75%

Capital constraints, competitive pressure, or regulatory friction force a down round, pivot, or wind-down by 2027, with common equity worth roughly 25 cents on the dollar after the $4.25M liquidation preference is settled ahead of common holders.

Est. time to liquidity~7.0 years

Preference Stack Risk

severe

Funding Intensity

4250%

$4.25M in total preferred funding sits ahead of all common stock; with no disclosed valuation, an estimated ~$10M post-money implies the preference stack consumes roughly 42% of current enterprise value before common holders participate in any proceeds.

Dilution Risk

high

Pre-Series A with a capital-intensive lending model requiring ongoing balance-sheet funding; at least 2-3 additional equity rounds are likely before liquidity, each diluting current common holders by an estimated 15-25% per round.

Secondary Liquidity

none

No secondary market exists for a 26-person early-stage Mexican fintech; shares are effectively illiquid until a trade sale or IPO, which is unlikely within a 2-year window.

Questions to Ask at the Interview

Strategic questions based on amiloz's data — designed to show you've done your homework.

  • 1

    “What is your current monthly origination volume and 90-day NPL rate, and how have both trended over the last two quarters?”

  • 2

    “How do your AI credit-scoring unit economics — specifically cost per funded loan and net interest margin — compare to Baubap's and Kubo Financiero's disclosed metrics?”

  • 3

    “What is the full cap table structure including liquidation preferences and pro-rata rights, and what exit valuation and timeline does the Board consider a realistic base case?”

Community

Valuation Sentiment

Our model estimates -7% upside. What do you think?

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Disclaimer: This analysis is AI-generated and does not constitute financial or career advice. Always conduct your own due diligence.