Luca Joins Percent's Borrower Network to Expand Capital Access for Latino-Owned Small Businesses
Florida-based Luca provides working capital to Latino-owned small and mid-sized businesses across the U.S., delivered online, in Spanish, by a human team
Percent today announced that Luca has joined its borrower network.
Luca — a brand of Inmediato LLC — is a Florida-based specialty finance company providing working capital to Latino-owned small and mid-sized businesses across the United States. Luca reports that its customers operate in construction and trades, restaurants, auto repair, food trucks, retail, and beauty, among other industries, and Luca's process is delivered online, in Spanish, by a human team.
Percent's thesis is that private credit is constrained less by capital than by infrastructure — the loan-level data, standardized reporting and ongoing surveillance that let investors underwrite an originator they have never met. Expanding the set of originators on the platform is the core of that work, and Luca extends it into a segment that has been underserved. Every offering on the platform remains a separate investment decision with its own credit risk, and accredited investors should review each on its own terms.
“Lenders reach a point where the constraint stops being demand from their own customers and becomes access to capital markets that were never built for a company their size,” said Bina Shetty, Chief Commercial Officer at Percent. “That's the stage Percent is built for. Luca has been lending into an underserved segment, and getting them to institutional capital is the work.”
Luca's case for itself is about who it serves. As the company describes it, Latino-owned businesses across the U.S. run established, operating companies and are still turned away by traditional financing. Luca was built to serve them: online, in Spanish, by people, with a process shaped around how those businesses actually run. Its own shorthand for that is “Financing for Latino Businesses. With SSN or ITIN. In Spanish. No fuss.”
“We built Luca because we kept seeing the same story: solid, hardworking businesses turned away, not for their creditworthiness, but because the system was never built for their language or for how they actually run their business,” said Javier Alvarez Wrobel, Co-Founder and Chief Executive Officer of Luca. “We believe in the untapped potential of Latino business owners, and Percent gives us the capital structure to serve more of them.”
Luca is at somosluca.com.
About Percent
Percent is unlocking private credit by enabling efficient access and data for all market participants. Through its digital primary issuance and secondary markets platform, Percent provides all deal counterparties with a unified environment to source, structure, distribute and service private credit assets. Founded in 2018, Percent has syndicated more than $2 billion in private credit since inception (as of June 30, 2026), bringing transparency and standardization to a historically fragmented asset class. Securities offered through Percent Securities LLC, member FINRA/SIPC. For additional information, please visit www.percent.com.
About Luca
Luca (somosluca.com) is a Florida-based specialty finance company established in 2022, providing working capital to Latino-owned small and mid-sized companies in the United States that are typically underserved by traditional banking institutions. Luca reports that its customers operate in construction and trades, restaurants, auto repair, food trucks, retail, and beauty, among other industries. Luca reports having funded over $25 million in working capital since 2023 through June 30, 2026. This figure is reported by Luca and has not been independently verified by Percent. Luca is a brand of Inmediato LLC, a Florida limited liability company.
Media Contact
BAM for Percent · percent@bambybig.agency
Securities offered through Percent Securities LLC, member FINRA/SIPC. Historical performance is not indicative of future results. Private credit investments are speculative, involve a high degree of risk, are illiquid, and are not bank-guaranteed. Investors may lose some or all of their principal. Statements attributed to Luca are Luca's own and may not reflect the views of Percent.