Ficein Unión de Crédito S.A. de C.V.
Crece (working capital), Smart (technology), Constructivo (construction by progress) and Liquidez (future cash flows) credit lines. Simple loan from $2,000,000 MXN, variable rate (CAT ~17.8%).
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Crece (working capital), Smart (technology), Constructivo (construction by progress) and Liquidez (future cash flows) credit lines. Simple loan from $2,000,000 MXN, variable rate (CAT ~17.8%).
Segments: business/companies (B2B), personal and payroll (consumer). Business credit: for productive activities, liquidity and working capital of companies, minimum amount $50,000 MXN, average CAT 55.1% excluding VAT. Personal credit: minimum $1,000 MXN, average CAT 65.9% excluding VAT. (Site also at ficorba.com.mx.)
Business segment in commerce, services and tourism (B2B), mainly in Nayarit. Product: credit. No specific rates, tickets or terms are published in the search.
Business segment (B2B). Product: business financing/credit. No specific rates, tickets or terms are published in the search. (CONDUSEF has issued alerts about impersonation of this entity's identity by third parties.)
SME/business segment (B2B) and individuals. Product: credit via digital platforms and apps (fast and simple process). No specific rates, tickets or terms are published in the search.
Agricultural/livestock segment (B2B, Chihuahua livestock producers). Product: loans to support the development of the livestock sector. No specific rates, tickets or terms are published in the search.
Trust services (which do not constitute credit and are not subject to CAT): Fimex Garantía (guarantee and compliance trusts for investors and creditors), Fimex Desarrollo (real-estate and business development structures), Fimex Patrimonial (estate planning and family administration) and Fimex PyMEs (preparing companies for external investment). B2B focus on trust structuring.
Segments: payroll credit for government workers (consumer) and second-tier funding lines (B2B) for payroll credit, leasing and factoring. It also offers leasing and factoring. Portfolio of ~4,500 million MXN; placed trust-backed market certificates for $1,580 million MXN on BIVA (2023). No specific rates/tickets are published.
Segments: individuals and small businesses (includes B2B). Product: online loans/credit with flexible amounts and terms according to the client's credit profile; transparent contracts with no hidden costs. No specific rates, tickets or terms are published in the search.
Microcredit/credit line (vouchers and cash) for entrepreneurs and micro-entrepreneurs. Small amounts, short terms.
Consumer segment (payroll loan); not a B2B focus. Product: personal/payroll loan. Requirements: official ID, proof of address, proof of income and CURP. It warns against requesting advance deposits or contact via WhatsApp (fraud prevention). No specific rates/tickets are published.
SME/business segment. Products: Simple Loan, Financial Lease and Operating Lease for equipment acquisition (transport, medical, industrial), new or used. No specific rates/CAT or amounts are published.
Microfinance/consumer segment. No specific terms (amounts, rates, terms) were found. CONDUSEF has issued an alert about impersonation of this entity's identity.
Consumer/education segment (B2C). Personal education loan to finance undergraduate or graduate studies; maximum repayment term of up to twice the duration of the studies; allows combining academic scholarship, principal prepayments and early repayment with no fees or penalties. It has agreements with the Inter-American Development Bank.
Loans to members, fixed-term deposits, adult savings, business savings, and children's and school savings. Some products have terms from 1 month up to 15 years and competitive rates. It offers business savings; no numerical terms for a specific business/SME loan are detailed.
Business/SME segment. Products: Financial Lease, Operating Lease, Simple Loan, Refaccionario Credit (refaccionario credit, for machinery/equipment), Avío Credit (avío credit, for working capital/inputs), Current Account and Factoring, for all types of equipment and brands (new or used). No rates/CAT or amounts are published. Note: it does not process credit applications online.
SME/business segment (agricultural and urban). No specific terms (amounts, rates, terms) were found; the site did not respond at the time of the query.
Microfinance/productive-consumer segment. Solidarity loans for working capital aimed at low-income microentrepreneurs. No specific terms (amounts, rates, terms) were found.
Consumer segment (B2C). FMF Personal Credit with a maximum annual interest rate of 60%, available in Mexico City. No other amounts/terms are reported.
SME, agriculture and consumer segments. Products: personal loans, financing for small businesses and credit for agricultural development, with flexible amounts and terms. No specific rates/CAT or amounts are published.
Business/agribusiness segment. Products: Simple Loan with fixed monthly payments over the medium term (1 to 3 years) to seize business opportunities, and credit for agribusiness with fixed monthly payments or by cycle/season. No specific rates/CAT or amounts are published.
Business/agribusiness segment. Products: short-term revolving credit lines for business operations and refaccionario credit (refaccionario credit, for machinery/equipment) for the purchase, rehabilitation, improvement, expansion or establishment of assets such as machinery. No specific rates/CAT or amounts are published.
Agribusiness/agricultural segment. No specific terms (amounts, rates, terms) were found.
Agribusiness segment. No specific terms (amounts, rates, terms) were found.
Agribusiness segment. Products designed "by producers for producers" for agricultural activity. No specific rates/CAT or amounts are published on the site.
Agricultural/business segment. Five products: Simple Loan (main product, ~62% of the portfolio), Current Account, Pledge (pignoración), Refaccionario Credit (refaccionario credit, for machinery/equipment) and Habilitación or Avío Credit (avío credit, for working capital/inputs). No specific rates/CAT or amounts are published. No confirmed own website.
Microcredit/entrepreneurs segment (productive consumer). Amounts of $5,000 to $200,000 MXN, term of 6 to 24 months, 2% origination fee, average fixed rate ~50% annual (range 40%-65% depending on the client's profile).
Consumer/SME segment (personal, small-business and emergency loans, per references). No confirmable specific terms were found.
Business/consumer segment. It offers leasing and credit plans. No specific terms (amounts, rates, terms) were found.
Agricultural/agro-industrial credit (with FIRA rediscounting) and credit for companies/SMEs (simple loans, working capital, refaccionario [equipment/fixed-asset loans]). B2B/agro.
Business segment (banana/agriculture sector). It offers loans and financing; no specific terms published (amounts, rates, terms).
Business credit (working capital, debt repayment, investment projects), auto loans, and leasing for companies and individuals. Finances transport equipment and machinery. B2B and auto focus. Specific terms (tickets, rates, terms) not detailed in the sources consulted.
Business/SME and consumer segment. Products: Simple Loan (long-term to expand production capacity), Refaccionario Credit (refaccionario credit, for purchase/improvement of assets such as machinery), Current Account Credit, Habilitación or Avío Credit (avío credit, for raw materials, supplies, operating expenses) and Non-Presential Model Credit. No specific rates/CAT are published.