Calificash

Calificash is a Peruvian financial services firm specializing in loans secured by real estate. It helps property owners access liquidity without selling their property, with financing from S/. 50,000 up to a referential maximum of S/.

500,000, subject to appraisal, legal review, repayment capacity, and approval. Its services include new loans for business capital or expansion, debt consolidation, reviews of existing loans for potentially improved terms, and investment opportunities backed by registered mortgage guarantees. Calificash evaluates each property and borrower individually, including properties with existing mortgage debt.

Its process involves initial online prequalification, property and risk assessment, notarial documentation, and registration of the applicable guarantee with SUNARP. The company offers professional appraisals and guidance through the formalization process, with costs disclosed before signing. It operates in Lima and six other cities and provides primarily digital coordination for some provincial transactions.

Calificash reports more than 25 years of experience among its founding team and registration with Peru’s SBS; this registration is not authorization to accept deposits or an SBS guarantee of investments