Agricultural, livestock, and commercial segments. Products: microloans, credito de habilitacion or avio (production loan), current-account credit, credito refaccionario (loan for machinery/equipment/fixed assets), and simple loan, aimed at working capital, inputs, and assets. No specific ticket sizes, rates, or terms are published.

Development banking focused on MSMEs (B2B), generally via commercial banks and intermediaries: credit for business growth (inventory, supplier payments, machinery, expansion/modernization), financing for women-led companies, Eco Credito Empresarial (solar panels), support for SMEs supplying the public and private sectors, and Cadenas Productivas (100% digital electronic factoring to discount accounts receivable). Guarantees to commercial banks. Terms (rates, amounts, terms) vary by intermediary and program.

Companies/SME and consumer segments. Simple loan products: 'Empresarial' (large companies, from $1,000,000, 19-70% annual rate, 5% origination fee), 'Business' (SME/mid-market, from $100,000, 19-70% annual, 5%), and 'Expansion' (individuals, from $10,000, 30-70% annual, 3%). Average CAT 97.5% excluding VAT (example: $100,000 at 70% annual, 12 months).

The entity states that, because it is not operating, it currently offers no product.

Consumer segment. Personal loans with customized rates; terms of 9, 12, and 18 months. Requirements: be a Link member or referral, aged 18-65, minimum verifiable income, positive credit history, bank account. Payments via SPEI, direct debit, or cash with reference.

Companies/SME segment (individuals and companies across various sectors). Products focused on working capital, infrastructure, and asset acquisition (machinery and equipment). It has corporate governance (Credit and Risk Committees). No specific ticket sizes, rates, or terms are published.

Microenterprise/entrepreneurs segment. Product: group loan for people with their own business or the know-how to start one. In-person contact; no specific ticket sizes, rates, or terms are published.

SME/companies segment. Products: simple loan, current-account credit line, credit line secured by pledged collateral, finance leasing with a purchase option, and factoring with recourse. No specific ticket sizes, rates, or terms are published on the site.

Housing and financial services segments. Products: origination of FOVISSSTE and INFONAVIT loans, leasing, loans, financial factoring, and trusts. No specific ticket sizes, rates, or terms are published.

Companies segment. Products: flexible loans for working capital (immediate operating needs) and management/administration of loans for working capital and investment, over the short and medium term. No specific ticket sizes, rates, or terms are published.

Consumer/financial inclusion segment (emphasis on women). Products: ARGA Mujer, ARGA UniDeuda (debt consolidation), ARGA Nanocredito, and ARGA Consumo. Requirements: ID, proof of address, and proof of income. No specific ticket sizes, rates, or terms are published.

SME segment. Products: simple loan ($500,000 to $10,000,000, term 6 months to 5 years, flexible payment scheme), current-account credit (short term, drawdowns up to 6 months), finance leasing (with a purchase option) and operating leasing (via Quality Servicios de Arrendamiento), and payroll loans via agreements with companies. Rates on request.

SME, professionals, and consumer segments. Products: working capital for MSMEs ($100,000 to $5,000,000, term 3-36 months), financing of strategic assets for professionals (BESS, HVAC, IT equipment, fleets; same amounts/terms), and personal loans (payroll, group, and salary advances, limited to employees of affiliated companies).

B2B segment of small merchants in the traditional channel. Products: revolving credit line to pay distributors (you receive merchandise and pay in 7 days), cashless sale of phone top-ups (payment in 7 days), and 'LanaYa!' (cash on account). No maintenance fees; interest only on what is drawn. Average CAT 291.6% excluding VAT (valid as of Dec 31, 2026).

Agricultural, livestock, commercial, and payroll segments. Products: credito de avio (production loan), livestock, credito refaccionario (loan for fixed assets), and pledge-backed loans, plus loans for agriculture, livestock, commerce, and payroll. Declared total annual cost between 24.4% and 118%; specific rates on request.

Companies/projects segment. Products: simple loan (includes financing for connection to the Compania Mexicana de Gas network), factoring (advance on accounts receivable), and leasing (monthly rental for use of the asset). They offer flexibility in amounts, terms, and rates; no specific figures are published.

B2B (companies) and consumer (individuals) segments. Flexible, secure, and transparent credit supported by technological innovation and risk control. Institutional division: contacto@noriat.com; consumer division: noriatsofom.com. No specific ticket sizes, rates, or terms are published.

Consumer and companies/SME segments. Product: simple loan. For individuals, average CAT 84.9% excluding VAT (example: $5,000 over terms of 6, 9, and 12 months with biweekly payments), 4% + VAT origination fee, and a fixed ordinary annual interest rate of 30% + VAT.

Currently does not grant loans per its own notice ('For now we are not granting loans'). Does not request deposits.

Digital products: a no-fee, no-minimum-balance account with a debit card, plus a credit card and personal loans. The company has announced plans to expand payroll account products and products for SMEs, although its business offering is still nascent.

Mezzanine financing/structured-debt profile for companies; specific terms not published.

Individuals and companies segment. Products: loans ('fast and flexible financing' for projects) and trusts for protecting/managing resources; tailored solutions. No specific rates, CAT, or amounts are published.

Companies/SME segment. Products: simple loan (one-off liquidity) and revolving credit (recurring liquidity) for working capital, cash flow, early-payment discounts, and as a substitute for factoring. Response in 24-72 hours and access in ~1 week; no fees from Olufin; rates somewhat higher than banks but more accessible. Does not publish exact rates/CAT/amounts.

Companies/projects focus. Products: 'green loans' and sustainable transport financing; it finances renewable energy, energy-efficient buildings, sustainable agriculture, and conservation projects. Charges no advance payments. Rates/CAT/amounts not published.

Individuals/companies segment. Mortgage loan (highlighted in Buro/CONDUSEF evaluations), secured and unsecured loans, and fiduciary services. Rates/CAT/amounts not published on the site.

Service lines: 'Credit and Finance', administrative and legal advisory. No specific credit products, segments, rates, CAT, or amounts are published on the site.

Loans, finance leasing, financial factoring, and consulting; specific conditions not published.