Skalar has emerged from stealth with commitments to finance more than $125 million of sales and marketing spend for technology companies, offering what it calls Precision Financing for customer acquisition.
The New York-based fintech said it has signed agreements covering seven technology companies in Latin America and the United States over the next 12 months. It targets firms that already spend between $100,000 and $3 million a month on acquiring customers and that earn more from those customers than they spend to win them.
Under the model, Skalar advances capital for sales and marketing and is repaid from revenue generated by the customers acquired with that capital, rather than on a fixed schedule. Crunchbase News reported that Skalar's current agreements generally target a return of around 1.1x the amount advanced, citing an interview with Cárdenas.
Seed round size and the size of its debt partnership with General Catalyst’s Customer Value Fund were not disclosed.
A Monashees-led seed round closed in the first quarter of 2026, with participation from Nido Ventures and angel investors. General Catalyst is providing the debt capital Skalar on-lends. The product was incubated while co-founder and Chief Executive Sebastián Cárdenas was an entrepreneur-in-residence at Monashees, where the firm tested General Catalyst’s Customer Value Fund model across three portfolio companies before spinning the approach out.
"Performance-aligned financing is the most important innovation in the technology capital markets over the next decade," Cárdenas said. "This is not only about optimizing your cost of capital or minimizing dilution. It is a new source of capital that can fundamentally change the trajectory of a business by financing business investment that couldn’t otherwise exist."
Andrew Ziperski, Partner at the Customer Value Fund, said most technology companies in Latin America had never had access to low-cost, duration-matched capital for predictable investments such as customer acquisition, and that Skalar was built to close that gap. Caio Bolognesi, General Partner at Monashees, framed the platform as infrastructure for AI-native founders scaling without trading ownership for speed.
Skalar was founded in January 2026 by Cárdenas and co-founder and Chief Operating Officer Daniel Castrillón. It plans to work with no more than 15 companies a year at first. Cárdenas told Crunchbase News that agreements can include minimum revenue thresholds, with Skalar able to accelerate repayment or halt further advances if performance falls short. The agreements do not give Skalar security over company assets or impose cash covenants, he said.