In a world of faceless fintech apps, Prenda Móvil is taking a surprisingly tangible approach: using your car as collateral while letting you keep the keys. With just 12 employees and a Next.js tech stack, this Mexican startup is betting that the ancient concept of pawnbroking, modernized for the smartphone era, can disrupt the $100B+ Latin American auto lending market.

"They're not building a bank—they're building a financial bridge for the 70% of Mexicans without traditional credit access."

The company's leadership structure is minimalist—Christopher Espadas as Head Officer suggests a founder-led operation. With no traditional funding rounds listed, they're likely bootstrapped or running on revenue, which explains the aggressive 85% LTV offer. In traditional pawn shops, 50-60% is standard; Prenda Móvil is pushing boundaries, which means they've likely built sophisticated risk models or are accepting higher default risk for market share.

• Digital-first pawnbroking: Keep your car, get cash in minutes
• Niche SEO strategy: Capturing 'faw mexico' traffic for asset monetization
• Next.js architecture: Built for scale, not just MVP
• Bootstrapped growth: $0.9M revenue with 12 people = $75K revenue per employee