Our products
At Plurall we have specific products for every need, all to support you in the growth and strengthening of your business, in an agile and transparent way.
We are your partner of financial solutions for your business!
Our products
At Plurall, we create products to fit every business needto support you in the growth and strengthening of your business, in an agile and transparent way.
We are an entrepreneur FinTech creating financial solutions for Solopreneurs and Microbusiness Owners.
Our products
En Plurall tenemos productos especĆficos para cada necesidad, todo para apoyarte en el crecimiento y fortalecimiento de tu negocio, de una forma Ć”gil y transparente
Microcredit
Productive capital to boost your business. We deliver a redit starting at COP $400,000 and up, so you can strengthen your business
Digital Account
100% Digital account to manage your business finances. Manage the money of your business independently from your personal one and receive our credit directly on your phone.
Plurall Card
Visa Debit Card so you can have a better control of your expenses, paying for your supplies and suppliers online or on any POS.No handling fees or rates.
Microcredit
The productive capital your business needs.
- Credits up to $2,000,000.
- Monthly interest of 3.14%.
- Approval in record time.
- Disbursement up to 1 business day in your Plurall account.
- Initial term of 3 months.
- 100% digital application, no photocopies, no paperwork and from your cell phone.
- Free of requirements: We just need your ID number.
- You can make prepayments to the capital whenever you want.
- You build credit history to apply for more credits in the future.
- Once you pay off your first loan you can apply for more! If you show good payment behavior we can improve your terms on the following loan.
Digital Account
An account for
your business money.
- Open it from your cell phone, in 5 minutes without any paperwork.
- Separate your company's money from your personal account.
- Better control of your businessā expenses.
- No handling fees or hidden charges.
- No 4X1000 up until COP $2.4M/month.
- You can do money transfers to other bank accounts in the country.
- You will be able to have other functionalities such as expense control, bill payment, and many more coming up soon.
- The money is protected by Fogafin Deposit Insurance.
Plurall Card
To pay and shop wherever your business needs. Coming soon!
- It is a debit card, you pay only the value of your purchase.
- Interest free.
- You will not receive collection accounts.
- No handling fee.
- You can pay at any merchant with a POS.
- You can also pay online (websites or subscriptions) or in apps, the right fit for instance to pay your Google & Facebook ads subscription and sell more!
- Virtual and/or physical cards.
- You can control how you spend your working capital.
- Secure and worry-free shopping.
- Allows you to start building credit history, that will enable your business to ask for more loans.
- Separate your personal business expenses from personal expenses.
- All the support of the Visa, the most received card in the world.
Microcredito
Capital Productivo para impulsar tu negocio. Te ofrecemos un redit starting at COP $400,000 and up, en adelante para que puedas fortalecer tu negocio y seguir creciendo
Cuenta digital
Cuenta digital para que independices las finazas de tu negocio. Maneja la plata de tu negocio de manera independiente y recibe nuestro crƩdito directo en tu celular
Plurall Card
Tarjeta dĆ©bito Visa para que puedas controlar mejor tus gastos, pagando tus insumos y proveedores en lĆnea o en cualquiere datĆ”fono. No handling fees or rates.
Microcredito
Capital Productivo para impulsar tu negocio. Te ofrecemos un redit starting at COP $400,000 and up, en adelante para que puedas fortalecer tu negocio y seguir creciendo
Es la Ćŗnica tarjeta para microempresarios en Colombia. 3
El dinero que tienes en la cuenta, lo usas con la tarjeta para sin necesidad de retirar.
Es la Ćŗnica tarjeta para microempresarios en Colombia. 1
El dinero que tienes en la cuenta, lo usas con la tarjeta para sin necesidad de retirar.
Es la Ćŗnica tarjeta para microempresarios en Colombia. 2
El dinero que tienes en la cuenta, lo usas con la tarjeta para sin necesidad de retirar.
Cuenta digital
Cuenta digital para que independices las finazas de tu negocio. Maneja la plata de tu negocio de manera independiente y recibe nuestro crƩdito directo en tu celular
Plurall Card
Tarjeta dĆ©bito Visa para que puedas controlar mejor tus gastos, pagando tus insumos y proveedores en lĆnea o en cualquiere datĆ”fono. No handling fees or rates.
- Working capital up to $8,000,000 COP
- Monthly interest of 3.14%.
- 2 weeks in the approval process
- 3 days funding your loan
- Initial terms of 3 months
- 100% digital application, no photocopies, no paperwork and from your cell phone.
- Hassle-free process
- You can make prepayments to the capital whenever you want.
- You build credit history to apply for more credits in the future.
- Working capital you can use for your business and pay with the extra earnings it will create
- Once you pay off your first loan you can apply for more! If you show good payment behavior we can improve your terms on the renewals.
- Ćbrela desde tu celular, en 5 minutos sin trĆ”mites, filas ni fotocopias.
- Separate your company's money from your personal account.
- Better control of your businessā expenses.
- No handling fees or hidden charges.
- Sin 4X1000 hasta 65 UVT ($2.757.000)
- Puedes mover hasta $8 millones de pesos al mes.
- PodrƔs realizar retiros en cajeros de Grupo Aval.
- PodrƔs realizar transferencias a otras cuentas de Grupo Aval desde www.dale.com.co o en tu app Plurall
- PrĆ³ximamente contarĆ”s con mĆ”s funciones como control de gastos y pagos de facturas
- The money is protected by Fogafin Deposit Insurance.
- La Cuenta Digital es operada y administrada por Aval Soluciones Digitales ("dale!") ā Vigilado SFC. Para mayor informaciĆ³n ver:
- It is a debit card, you pay only the value of your purchase.
- You will not receive collection accounts.
- No handling fee.
- You can pay at any merchant with a POS.
- You can also pay online (websites or subscriptions) or in apps, the right fit for instance to pay your Google & Facebook ads subscription and sell more!
- Virtual and/or physical cards.
- You can control how you spend your working capital.
- Secure and worry-free shopping.
- Allows you to start building credit history, that will enable your business to ask for more loans.
- Separate your personal business expenses from personal expenses.
- With Visa's support, the most received card in the world.
Welcome
to your virtual simulator
Here you will be able to enter the amount of money you want to apply in order to know what the value of your installments will be. We want to give you to know everything about your quotas, without any surprises or hidden asterisks.
Our rates
for our products
FAQs
Solve your doubts here
It's easy! Once your Plurall account is created, click on the "Request credit" button and follow the instructions. We will ask you for information about your economic activity and your business.
Forget about requirements, photocopies and documents. In Plurall we will only ask you: Be a Colombian citizen over 18 years old, have a business of any size, and have your TIN.
Yes. Plurall, through its allies, reviews people's credit history in order to assess credit viability.
Yes. The credits that we deliver in Plurall have the objective of supporting microentrepreneurs or small businesses in the different stages of their business. To obtain it, you must necessarily have a business of this style. Our credit is not for individuals or āfree investmentā, because our purpose is to promote the growth of small and medium-sized companies.
If you request a loan without owning a business, it probably won't get approved. Cheer up! If you have a business idea, perhaps this is the signal you were looking for to start.
No, Plurall is a 100% digital entity and the entire process is done through our website. We do not have physical offices or intermediaries.
The credit that Plurall delivers is a microcredit: A low-amount loan that small or medium-sized companies can access to boost the growth of their business. According to the Financial Superintendence of Colombia (SFC), a microcredit cannot exceed 25 current legal monthly minimum wages (SMMLV), that is, about $25 million pesos.
We can lend you from COP $ 1,000,000 onwards.
We can lend you up to $ 8,000,000 COP
For your first credit you will not be able to request amounts greater than approved. If it is a renewal you can go to your profile, select the option of your business and report other information such as statements of your bank account, the photo of your business or an invoice of your business.
All Plurall credits have a 3-month term.
Nuestras tarifas incluyen:
1. Tasa de interƩs: 45% Efectivo Anual
2. Ley Mipyme: 4.5% – 7.5%
3. Fondo de GarantĆas de Antioquia: 5.5% + IVA
4. Seguro de vida deudor: 3.200 + IVA por cada millĆ³n que te prestemos.
Si quieres conocer el costo final de tu crƩdito, te invitamos a usar nuestro simulador para que veas el valor de tu cuota final.
At the moment, no. Being reported in risk centers is one of the variables that we take into account in the evaluation of our potential clients.
Tenemos en cuenta todos los datos que encontramos en tu RUT. Estos datos entran a un algoritmo Machine Learning que evalua toda la informaciĆ³n, analiza cerca de 500 variables y nos ayuda a construir un perfil de riesgo y monto adecuado para ti y para tu negocio.
The disbursement takes between 4-5 business hours. You receive it directly in your account and you can use it with your Emprendedora Plurall card
El desembolso es en lĆnea una vez termines el proceso y vas a poder usarlo con tu tarjeta Plurall
1. After receiving your data, our platform analyzes your answers and connects with external databases to confirm a response. The decision takes into account about 500 variables of your financial profile and therefore, it is very difficult to confirm an exact reason.
2. If we do not approve a value amount to the requested, it is because our algorithm found that your borrowing capacity is still not enough and we prefer that you start your way with a small amount.
a. Intenta tener al menos una cuenta a tu nombre (Ej. celular, tarjeta de crĆ©dito personal, televisiĆ³n) y demuestra un buen comportamiento de pagos.
b. Si tienes deudas mantente al dĆa en el pago de tus obligaciones.
c. Si estĆ”s reportado en centrales de riesgo, revisa tu estatus y ponte al dĆa lo mĆ”s pronto posible.
What we suggest you do is use your credit very well, use your account and Entrepreneur card as much as possible, and pay your fees on time.
Once you finish your first credit you can request a renewal, and depending on your behavior it will be for a higher amount.Ā
Our recommendation is that you make good use of the credit, paying your installments on time which will generate a good payment behavior, so that in a next application we can lend you a higher amount and with a longer period of time.
Puedes pagar tu crƩdito con Plurall en cualquiera de los siguientes canales:
1. En nuestra pƔgina web www.plurall.com a travƩs de PSE, tarjeta crƩdito o dƩbito.
2. Corresponsales bancarios como Efecty, 4-72 y PuntoRed.
3. A nuestra cuenta Bancolombia.
4. En tu app Plurall.Ā
Pagar tu crĆ©dito en Plurall es muy fĆ”cil: Lo puedes hacer a travĆ©s de tu app Plurall, Ć³ en nuestra pĆ”gina web vĆa PSE o tarjeta dĆ©bito y crĆ©dito, o en nuestros canales fĆsicos como Efecty, PuntoRed y 4-72. TambiĆ©n recibimos pagos vĆa Bancolombia y Nequi.
Si tu crĆ©dito supera el tiempo pactado para pagos, nuestro departamento de cobranza te contactarĆ” para intentar llegar a un acuerdo y que puedas cancelar tu deuda. Si el tiempo de pago supera los 180 dĆas sin que tengamos un acuerdo de pago, tu deuda serĆ” remitida a una empresa externa de cobranza lo cual incrementarĆ” el cargo de tu crĆ©dito por un 8% del capital solicitado.Ā
If you pay after the date agreed with us, the default interest rate of the credit will begin to run, and you will end up paying more than the initial interest rate. Depending on the number of days that you go without paying your credit, administrative fees will also be charged to your payments. If you go over 30 days without any payments, you will affect your ability to get additional loans.
Yes. You can pay anytime you wish, using any of the channels listed in our website.
Nuestras tarifas incluyen:
1. Tasa de interƩs: 45% Efectivo Anual
2. Ley Mipyme: 4.5% – 7.5%
3. Fondo de GarantĆas de Antioquia: 5.5% + IVA
4. Seguro de vida deudor: 3.200 + IVA por cada millĆ³n que te prestemos.
Si quieres conocer el costo final de tu crĆ©dito, te invitamos a usar nuestro simulador para que veas el valor de tu cuota final.Ā
No, to take the Plurall credit you must have the insurance that comes with it.
El FGA – Fondo de GarantĆas – es una entidad especializada en ofrecer un esquema de cobertura par riesgo de crĆ©dito. ĀæQuĆ© significa esto? Respaldan el cumplimiento de las obligaciones de los crĆ©ditos que otorga Plurall a sus clientes, actuando como un fiador corporativo para las personas naturales.
When you registered on our form to apply for your first credit in Plurall, you accepted GF coverage and this allowed you to be selected at this stage.
Debes tener en cuenta que existe una relaciĆ³n comercial entre FGA y Plurall. Ambas entidades tienen un convenio de cobertura de crĆ©dito, mediante el cual FGA garantiza en calidad de subsidiario, los crĆ©ditos que Plurall concede a sus clientes. Esto significa que cuando alguno de los clientes de Plurall no puede cumplir con las obligaciones de su crĆ©dito, FGA le paga a Plurall como fiador de ese crĆ©dito y luego, le puede recobrar al deudor inicial, es decir al cliente.
Administrative Expenses correspond to incremental expenses that Plurall must assume at the moment when our client is behind in his payments, precisely to persuade him to make the payment or to generate a new payment agreement. These incremental expenses can be up to 20% of the total debt.
Plurall es corresponsal digital de dale!, por lo que a travĆ©s de la aplicaciĆ³n de Plurall los consumidores podrĆ”n acceder a los productos y servicios financieros ofrecidos y operados por dicha entidad financiera.
No. The electronic deposit accounts and the Visa debit card that you can open and request through our platform, are managed by dale!, a financial institution that is supervised by the Financial Superintendence of Colombia. Plurall acts as the bank's digital correspondent.
No, Plurall is a 100% digital entity and we do not have intermediaries. Avoid being a victim of fraud with third parties that appear on our behalf offering you help. Our service is so simple that you don't need it, you can do it yourself!
La cuenta de Plurall no tiene ningĆŗn costo:
$0 cuota de manejo
$0 por depositar dinero
$0 por transferencias a otros bancos
$0 por no uso de la cuenta.
Ā”es GRATIS! AsĆ que Ćŗsala lo mĆ”s que puedas, para que en prĆ³ximas oportunidades podamos prestarte montos mĆ”s altos para tu negocio.
None. Our digital account is free of fees. You will pay $0 for using it.
It is a debit card issued by Visa and Dale! With which you can buy in dataphones or online and make use of your credit easily and safely.
You will always be able to have 2 cards: The virtual and the physical one.
The virtual one you have inside your Plurall app to buy online or in applications.
We send the physical card to your business or home, with confirmation of your address.
Yes. You can customize your virtual card as you want.
Retiros sin tarjeta cajeros AVAL $0
Retiros con tarjeta cajeros AVAL $5,000
Solicitud Tarjeta Plurall $0
Re-expedicion Tarjeta Plurall $19,000
Cuota de Manejo Tarjeta Plurall $0
No, the Plurall card has no handling fee. It also has no interest because it is a debit card, you pay with the balance you have in your account.
Bogota y Soacha 1 dia hƔbil
Bello, Caldas- Antioquia, Envigado – Antioquia, ItagĆ¼Ć, La Estrella, MedellĆn, Sabaneta, Barranquilla, Soledad, Cartagena, Tunja, Manizales, PopayĆ”n, MonterĆa, Neiva, Santa Marta, Villavicencio, CĆŗcuta, Armenia-Quindio, Dosquebradas – Risaralda, Pereira, Bucaramanga, Floridablanca, GirĆ³n, Sincelejo, IbaguĆ©, Cali, Palmira, Yumbo 2 dĆas hĆ”biles
El resto del pais 5 dias hƔbiles
Tu tarjeta fĆsica en cualquier comercio o negocio que tenga un datĆ”fono.
Tu tarjeta virtual la puedes usar por internet, comprando en pĆ”ginas web, en aplicaciones Ć³ en suscripciones de plataformas
Now that you know our products, let us become the best partner for your business!
Register in our waiting list to become one of our first customers.
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