No Credit History. Two Phones. One Growing Business.

.png)

Mery Espinoza

“Si pudiera volver atrás y encontrarme con mi yo del pasado, le diría: vas por buen camino, y hay quienes van a creer en ti, como PayJoy.”

About

Mery Espinoza is 52, Venezuelan, and runs a cleaning products business called Smartlin with her family in Quito, Ecuador. She left Venezuela in 2019, a hard decision, leaving behind the life she'd built since birth, to start over somewhere new.

%2011.01.37%201.svg)

The Challenge

Starting a business in a new country meant starting from zero, including no credit history with local banks or cooperatives. When Mary needed to replace her phone, getting financing through traditional channels wasn't realistic.

A New Way to Pay

PayJoy gave Mary a way in. She got her first phone and quickly saw what it could do for the business: video, customer service, quotes, cost management, all from one device.

Later, as the business grew, Mary's daughters started running a chatbot that handles customer service and closes sales. That meant a second phone — more storage, more speed, more capability. PayJoy financed that upgrade too.

%2010.42.23%201.svg)

‍ Measuring the Growth

Smartlin is still growing. Mary's goal is for the brand to reach homes around the world, carrying Venezuela's name with it.

“Si pudiera volver atrás y encontrarme con mi yo del pasado, le diría: vas por buen camino, y hay quienes van a creer en ti, como PayJoy.”

Bought her first smartphone with PayJoy - Quito, Ecuador