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Consumer/payroll and companies segment. Payroll Loan: for salaried employees aged 18-70, up to 3 months of salary, terms of 6/12/18/24 months, weekly/biweekly/monthly payments, no collateral, renewable at 80% paid. Operating Leasing: terms of 12-60 months, no down payment, purchase option at residual value; furniture, computer, printing, and telecommunications equipment. Rates/CAT not published.
Operating/financial leasing (incl. equipment imports) and financial factoring; business credit. B2B/companies, flexible payments.
SME / individuals with business activity segment (B2B). Financing of working capital and asset acquisition; loans reported from $3,500 up to $300,000 MXN for business owners or self-employed workers. Rates/CAT not published.
SME/companies segment (B2B). Products: Impulsate (growth), Optimizate (consolidation/refinancing), Renuevate (multiple-drawdown line secured by real estate), KapCard, and Alianzas (funding to institutional partners). Amounts from $2,000,000 to $300,000,000 MXN; terms of 12 to 120 months; rate starting at 1.6% monthly (averaging ~2.16% monthly), subject to profiling.
SME/companies segment (B2B). Products: Leasing, Simple Loan, and Factoring. Amounts, rates/CAT, and terms not published. (Note: the site had an expired SSL certificate at the time of consultation.)
Microfinance / consumer segment (little B2B relevance). Group Loans for women entrepreneurs (minimum 6 people per group, short term, renewals in 24 hrs, increases for on-time payment, no additional charges; requirements: of legal age, INE, and proof of address). Auto Loan (without giving up the vehicle, without checking credit bureau, decision in 24 hrs). Amounts/rates not published.
SME/companies segment (B2B). Products: simple and revolving credit line for SMEs, supplier and supply-chain factoring, commercial lending, payroll-deducted loans, and leasing. Factoring from $500,000 up to $7,500,000 MXN with rates starting at ~19% annually. Payroll loans of 1 to 4 months of salary, terms of 1-12 months.
Corporate segment (B2B). Corporate banking for large companies (especially Japanese companies in Mexico): corporate financing and treasury services. Tailored terms, not published.
Companies / projects segment (B2B). Products: infrastructure financing, supply of goods and services, acquisition of strategic assets, and factoring of progress estimates and invoices. Amounts, rates, and terms not published (structured by project).
Consumer segment (little B2B relevance). Product: Credito Simple Movil, with 100% online application and management. Requirements: over 18, Mexican, residing in Mexico, valid INE/IFE. Amounts, rates/CAT, and terms not published.
Co-ownership/royalty real estate crowdfunding for hotel projects (developers/companies). Investment from $1,000 MXN; estimated annual returns of ~12%-16% based on hotel occupancy. Project funding, not traditional B2B credit.
Individuals and businesses segment (consumer + SME). Customized loans from $10,000 up to $2,000,000 MXN, typical approval in under 48 hours, without traditional banking paperwork. Rates/CAT and terms not published.
Consumer/payroll segment (little B2B relevance). Products: Semi-revolving Credit for IMSS, ISSSTE, PEMEX retirees/pensioners ($5,000-$250,000 MXN, up to 3 years, 89% annual rate on balances); Simple Payroll Loan and Payroll Loan for federal and state government employees ($3,000-$200,000 MXN, up to 4 years, 52.3%-71.4% annual rate + VAT). Origination fee up to 6%.
SME/companies segment (B2B). Products: working capital, financing for acquiring new technologies, vehicle fleet renewal/expansion, and acquisition of industrial equipment. Amounts, rates/CAT, and terms not published.
Companies/SME segment (B2B). Products: agile and flexible direct lending (from debt restructuring to financing for growth and liquidity), financing of real estate projects (acquisition and development), and machinery leasing. Amounts, rates, and terms not published.
SME/merchants segment (B2B). Products: Sales Advance (for businesses with a point-of-sale terminal or online payment platforms), Invoice Advance (advance on receivables), and e-commerce financing. 'Competitive' rates depending on business risk that improve as the company grows; specific amounts/CAT/terms not published.
Institutional / real estate portfolio segment (B2B, not retail). Activity: acquisition of real estate loan portfolios and refinancing of liabilities (e.g., an MXN 40 million loan and over USD 350 million in financing from HSBC Mexico). Does not grant loans to individuals.
Corporate segment (B2B). Corporate banking for large companies and multinationals: financing, international trade and treasury services. Tailored terms, not published.
Companies and consumer segment (B2B relevance). Products: Simple Loan, Revolving Credit, Payroll Loan, Financial Factoring, and Finance Leasing. Amounts, rates/CAT, and terms not published.
Consumer/payroll segment (little B2B relevance). Main product: payroll-deducted loan for government employees and partner companies, which also finances the purchase of durable consumer goods (appliances, furniture, electronics) through its Almacenes Star store network. Amounts, rates/CAT, and terms not published.
Loans, financing, advisory and collections with low monthly payments; amounts/rates/terms not found.
Personal loans and loans for business, company or agricultural purposes, plus a payroll consumer loan; savings and investment and online banking (MULTINET portal). Includes a business/agricultural segment. Specific details on amounts/rates not openly published.
Companies/SME segment. Products: personal and business loans (short, medium, and long term), operating and finance leasing (tax-deductible), financial factoring (liquidity from accounts receivable), and guarantee trusts. No specific ticket sizes, rates, or terms are published.
SME/companies segment. Products: 'Credit Tailored to You' for business growth, 'Immediate Liquidity' (converting accounts receivable into cash / factoring), and 'Consolidation' of debts. No specific ticket sizes, rates, or terms are published.