Neitec's Debita Places $80M in High-Yield Deals, Targets $150M More

Neitec, a UK-based fintech company founded by professionals from institutions such as Barclays, Santander, and KPMG, has developed Debita, an on-chain private-credit platform. This platform is designed to provide alternative financing options for businesses in emerging economies, particularly in Latin America, where access to capital is limited. Debita aims to bridge the financing gap for small and medium-sized enterprises (SMEs) that are often excluded from traditional capital markets.

Debita has already placed $80 million in its inaugural deals, which are yielding between 14% and 20%. The platform has a pipeline poised to issue more than $150 million over the next 12 months. Debita's ecosystem includes commercial banks, investment banks, structuring agents, servicers, multilateral and development banks, international credit funds, and family offices in markets such as Mexico, the Dominican Republic, Panama, Colombia, and Argentina.

Julio Ferrón, CEO at Neitec, highlights the transformative potential of blockchain technology in the private credit market. He notes that by digitizing loans or bonds on-chain, cash and securities can be settled in seconds, 24/7, and even carved into fractional interests that can trade compliantly. This opens up markets that were previously off-limits to a broader pool of professional capital, positioning the private-credit market at the threshold of a $2 trillion opportunity that is about to gain liquidity, transparency, and fresh funding.

The global SME credit gap is estimated to be around $5.7 trillion, swelling to over $8 trillion when informal businesses are included. In emerging economies, local banks often consider SME loans too risky or costly to underwrite, citing lack of collateral, high due diligence costs, and limited credit data. This leaves millions of viable businesses without affordable credit, resulting in a classic market failure.

Debita offers an integrated platform that unifies the origination, structuring, servicing, and placement of private debt for mid-sized companies and fintechs in Latin America. By bringing risk assessment, compliance controls, data-room management, servicing, and syndication processes together in one environment, Debita streamlines workflows that were previously scattered across multiple actors. This standardization allows issuers to structure their deals efficiently and reach global investors at a lower operating cost.

The platform selectively incorporates on-chain rails, collapsing both time and cost in the payment and settlement of private debt. By moving the cash leg and the asset leg onto the same block, Debita eliminates the usual correspondent-bank waiting period and reduces fees for transfers and FX conversions, allowing transactions to settle in seconds rather than days. This speed not only cuts costs but also translates into greater working-capital headroom for issuers, as funds freed from traditional banking procedures can be deployed immediately into inventory, payroll, or new projects—reinforcing the growth capacity of SMEs in emerging markets.

Debita sources transactions through different channels, including local structuring boutiques, commercial/investment banks, and issuers that come directly to the platform. This approach allows banks to offer new yield-bearing products to private-banking clients while maintaining visibility over each transaction. By distributing placements beyond local markets, Debita broadens the investor base and enhances risk diversification, which is particularly valuable in jurisdictions with evolving financial infrastructures or stricter frameworks.

Debita provides corporates and fintechs with a more reliable and transparent funding path, spurring productive investment in regions with limited access to capital. By connecting the supply and demand of credit in a single digital flow, including the participation of financial institutions seeking to syndicate or structure transactions, Debita lays the foundations for faster, more global access to capital with the potential for real, sustainable impact on local economies.

Global institutional investors can access mid- to high-double-digit yield private credit deals vetted by local partners and rating agencies, managed within a single platform that delivers real-time, transparent oversight and all the cost and settlement efficiencies of on-chain asset representation. Debita turns fragmented, high-friction emerging-market lending into a single, transparent feed of diversified, high-yield private credit ready for institutional balance sheets.

Neitec’s Debita platform is closing the credit gap by unlocking high-yield private debt in markets that need it most. It demonstrates that tokenization is not just about improving efficiency in mature markets; it’s about innovating for inclusion, bringing new borrowers and lenders together in ways not previously possible.