KOA

KOA is a 100% digital financing company (Compañía de Financiamiento) operating in Colombia under the supervision of the Superintendencia Financiera de Colombia. Officially licensed in May 2025, KOA emerged from the fusion of ExcelCredit S.A., a company with over a decade of experience in financial inclusion since 2013. KOA positions itself as a neofinanciera that challenges traditional banking by offering simple, accessible digital financial products focused on financial inclusion. The company specializes in payroll lending (libranza) and savings products for pensioners, teachers, and public employees, while expanding into broader retail financial services.