---
title: "Pan American turns to AI to assess factoring transactions in under 10 minutes — Marsanne Studio AI watch"
description: "Pan American uses Anthropic's AI to assess factoring transactions in under 10 minutes and is aiming for international expansion."
url: "https://marsanne.studio/en/ai-watch/pan-american-turns-to-ai-to-assess-factoring-transactions-in-under-10-c18f80/"
lang: "en"
---

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Case study · 1 October 2026

# Pan American turns to AI to assess factoring transactions in under 10 minutes

Original title, in Spanish: “Pan American apuesta por IA para evaluar operaciones de factoring en menos de 10 minutos”

**Publication**

Gestión (Peru) · subscribers only

**Author**

Unsigned

**Published on**

1 October 2026 · read in the page structured data

## Summary

Pan American Servicios Financieros, a Peruvian factoring, confirming and working capital company serving SMEs, has developed a decision engine that combines its risk matrix with artificial intelligence, using Anthropic technology to analyse financial, tax and credit bureau information. According to the company, an assessment now takes less than 10 minutes and disbursement occurs within one to two hours, although the final decision remains with the credit committee. The company has also automated contract generation and plans an investment of more than USD 100,000 to continue its digitalisation. Launched in September 2025 with a portfolio of nearly USD 5 million, it aims to reach USD 10 million in 2026 and to extend its model to Colombia, Mexico and the United States within 36 months.

Summary based on the full text of the article.

[Read the article on Gestión →](https://gestion.pe/empresasg/factoring-para-pymes-pan-american-usa-inteligencia-artificial-y-proyecta-expandirse-fuera-del-peru-noticia/)

## Figures cited

-   10 minutes
    
    Time to assess a factoring transaction
    
    Pan American, Peru, 2026
    
    > « El análisis puede realizarse en menos de 10 minutos, aunque la decisión final permanece en manos del comité de créditos. »
    
-   100,000 USD
    
    Planned investment in digitalisation
    
    Pan American, next phase
    
    > « Su siguiente etapa contempla una inversión superior a US$ 100,000 para continuar la digitalización, incluyendo la cobranza y el desarrollo progresivo de una plataforma de autoatención. »
    
-   5 USD million
    
    Pan American's active portfolio
    
    Pan American, 2026
    
    > « La compañía proyecta cerrar 2026 con US$ 10 millones en líneas y alcanzar US$ 20 millones en stock durante el año siguiente. »
    

## Classification

**Country**

Peru, Colombia, Mexico, United States

**Company size**

SMEs

**Industries**

Banking, insurance, asset management, finance departments

**Companies**

Pan American Servicios Financieros (deploys AI), Anthropic (supplier)

**Keywords**

factoring, SMEs, artificial intelligence, credit assessment, international expansion, Anthropic

Entry written by Marsanne Studio from the cited article, with the help of an AI model (claude-sonnet-5). The rights to the article and its illustrations belong to Gestión. Entry translated from French by Claude Sonnet 5.5.