Tranqui Finanzas helps consumers in Latin America get out of debt by helping them refinance their debt with lower rates. This is done by helping consumers get payroll loans at lower APRs and by automatically deducting payments from their salaries. The company achieves this by building a new technology infrastructure that connects and facilitates underwriting for online payroll loans. Because Tranqui Finanzas operates as a marketplace linking consumers with lenders, it does not take on underwriting risk, and simply makes money on each loan approved by the lender. Tranqui Finanzas operates in a massive LATAM consumer debt market, worth $60B in Mexico and $47B in Colombia alone.