We build the comparison. You make the decision.
Valmadi is a financing simulation service based in Río Cuarto, Córdoba. We work with Argentine SMEs that need to finance machinery, vehicles, or equipment and want to understand the real cost of each option before committing.
A specific problem, a specific solution
We started Valmadi after observing a recurring pattern: SME owners making financing decisions without a structured comparison. They would receive a leasing quote and a bank loan offer, but comparing the two required translating different rate conventions, different fee structures, and different cash flow timings — all at once, under time pressure.
The result was often a decision based on which option was easier to understand, not which one was cheaper or better suited to the business's cash position. We built Valmadi to solve that specific problem.
Our service does one thing: it takes the details of your purchase and produces a structured comparison of all applicable financing options using real current numbers. We do not grant credit, we do not intermediate with any financial institution, and we do not receive commissions from any financing provider.
Principles that define our service
These are not marketing statements. They are the operational boundaries that make our analysis trustworthy.
We Do Not Grant Credit
Valmadi is not a financial institution. We do not lend money, approve credit lines, or act as a guarantor for any financing. Our role is analytical, not financial.
We Do Not Intermediate
We have no commercial relationship with banks, leasing companies, or card issuers. We do not connect clients with lenders or earn referral fees. Our analysis is independent.
We Do Not Recommend
The comparison shows the numbers. It does not include a recommendation. We present the data and the decision belongs entirely to the business owner.
Real Numbers Only
We use current market rates and actual financing conditions — not theoretical examples or rounded averages. The numbers in your spreadsheet reflect what you would actually pay.
Argentine Market Focus
We work specifically within the Argentine financing landscape — understanding local regulations, BCRA norms, tax treatment under Argentine law, and conditions available to local SMEs.
Deliverable You Can Share
You receive a structured spreadsheet you can share with your accountant or business partner. It is designed to be self-explanatory without requiring our presence to interpret.
What we cover and what we do not
Clarity about scope is part of how we operate. Here is exactly what the Valmadi service includes.
What We Do
- Build a side-by-side comparison of leasing, bank loan, export pre-financing, and corporate card installments
- Calculate total financial cost, effective annual rate, and monthly installment for each option
- Map the monthly cash flow impact of each financing structure
- Deliver a structured spreadsheet you can review with your accountant
- Conduct educational workshops on financing structures for SME owners and their teams
What We Do Not Do
- Grant credit, approve loans, or act as a financial intermediary
- Connect clients with banks, leasing companies, or card issuers
- Recommend one financing option over another
- Receive commissions or referral fees from any financing provider
- Provide legal, accounting, or tax advice
Questions about how we work?
Contact us directly. We are happy to explain our process and what the comparison will include for your specific situation.