Colombia has a massive need for access to affordable, high-quality financial services. Fewer than half of Colombian adults have an account at a financial institution. R5 aims to address this need through financial products and services that help underserved consumers increase their income and assets, reduce their expenses and liabilities, and build their financial health and resilience. The company leverages vehicles as collateral to extend loans at lower rates and longer tenors to customers who might otherwise look to higher cost credit cards or informal lenders. R5 also offers vehicle insurance policies through a seamless digital process that leverages a unique machine learning risk model to provide better coverage at a lower price to low-income clients.