About Us
More than a decade, one mission.
VOPM is a Dominican business group. Since 2009 we have ventured into financial services, insurance and technology, with a mission to serve people through digital solutions focused on convenience, inclusion and human touch.
2009
Year founded
+15
Years of trajectory
4
Leading companies
A legacy built year by year.
Since 2009, every company in the VOPM ecosystem was born from the same conviction: business growth must open doors, not close them.
The first pillar of the ecosystem
Víctor Pacheco founds Umbrella Corredores de Seguros in Santo Domingo. An insurance broker built on personalized advisory, trust, and operational agility — the first pillar of what is today VOPM Group.
Vehicle credit without barriers
Panacrédito is born with a clear mission: give vehicle-backed credit to those left out by the banking system. No bureaucracy, fast and respectful. Hundreds of Dominicans access real financial solutions for the first time.
Financing in minutes
CrediGo arrives as the first 100% digital smartphone financing platform in the region. No credit history required. No nationality barriers. Over 500,000 clients across the Dominican Republic and Guatemala.
The group's laboratory
VOPM Skunkworks is founded as the group's internal software development division. Full autonomy, zero bureaucracy — inspired by Lockheed Martin's labs — building solutions for the group and external clients.
A way of operating.
From Panacredito to Umbrella, every company in the ecosystem shares the same DNA: move fast, include everyone, and leave a mark that lasts.
"What unites such different companies is not the sector, but the way we operate: with agility, purpose, and innovation at the center of every decision."
We don't wait for change — we provoke it. Startup agility, long-term vision.
We adapt before the market demands it. Speed of decision is our competitive edge.
Growing with everyone, not at anyone's expense. Every service exists to open access where barriers stood.
Every decision carries our values. We measure success by what we leave behind in the country.
Víctor Pacheco
With over 25 years building companies in the Dominican Republic, Víctor Pacheco founded the VOPM ecosystem with the conviction that business growth must be synonymous with inclusion, impact, and lasting social transformation.
His leadership has consolidated strategic relationships with financial institutions, regulatory bodies, and international partners, positioning VOPM as a benchmark for responsible corporate governance in the Caribbean.
Business growth only matters when it expands opportunities for those who have historically been excluded from the financial system.