Opciones Empresariales del Noreste S.A. de C.V. S.F.P.
Credit for the needs of microenterprises across various sectors, home-improvement credit and consumer credit. Focus on microenterprise/business.
Compare offers
Preparing the lender list and available filters.
Compare offers
Search lenders, compare locations, and review available rate data before Effect matches your business with the right credit.
Credit for the needs of microenterprises across various sectors, home-improvement credit and consumer credit. Focus on microenterprise/business.
Loans and financing with competitive rates and advisory; no specific conditions (rates/CAT/amounts) published in a verifiable way.
Personal/payroll loans (repaid via payroll deduction). CONSUMER credit, not B2B.
Consumer (payroll) and companies segment. Products: loan with payroll deduction as collateral, other loans, finance leasing, and financial factoring. CONDUSEF registration (CASFIM) 696354. Rates/CAT/amounts not published.
Consumer/individuals segment (not B2B). Cuenta Debito Open with yield, SPEI transfers and free withdrawals at Santander ATMs, a debit card and a credit card with cashback and interest-free installments. Payroll and a basic credit card coming soon. No business/SME credit offering was found.
Consumer (employees) and companies segment. Products: personal financing, business financing, and specialized financial advisory. Rates/CAT/amounts not published in a verifiable way.
SME loan for entrepreneurs and owners of small and medium-sized companies, with a fixed-payment scheme and as an alternative to traditional banking (rate ~20%, with life insurance included); 'AVANTTHYA Verde' for installing solar panels at businesses; plus auto loans and student loans. Agreement with Coparmex CDMX to finance SMEs.
Consumer and companies segment. Products: debit cards, loans, payroll advances, and payment solutions for businesses; receipt of remittances. Specific credit conditions (rates/CAT/amounts) not detailed publicly.
Consumer segment. Personal loans from $2,000 to $20,000 MXN, terms of 90 to 120 days, service fee of $20 to $200, daily rate of 0.08% (equivalent to a maximum of approx. 28.38% annually).
Operating lease with purchase option and working-capital loans for SMEs/companies. The lease allows acquisition of productive assets with tax benefits; the working-capital loan is delivered in a single disbursement for liquidity (suppliers, raw materials, assets). B2B focus.
Companies/SME segment (B2B). Products: advance/prepayment of accounts receivable (factoring) and financing of accounts payable for SMEs; credit programs with at least 25% allocated to women-led SMEs. Rates/CAT/amounts assigned by profile; not published in a standard way.
Consumer segment. Microloans and personal loans from $400 to $20,000 MXN; terms of 7 to 30 days in one or more installments; approval in minutes. Average CAT approx. 940% excluding VAT; fixed annual interest rate approx. 912% plus VAT (fixed for the term, assigned by profile).
Consumer and small-business segment. Simple loan for business financing, emergencies, or debt restructuring; terms of 6, 12, 18, 24, 36, 48, or 60 months; simulator example: fixed annual rate ~42%, CAT ~36%, amounts in the tens of thousands of pesos (e.g., ~$109,576 MXN).
Consumer segment. Credit product 'Credimex'; reports to the Credit Bureau. Specific conditions (rates/CAT/amounts) not published.
Consumer segment. Unrestricted-use consumer loans. Specific rates/CAT/amounts and terms not published in a verifiable way.
Consumer segment. Short-term loans, terms of up to 120 days; daily interest rate of 0.09% (maximum of approx. 31.55% annually).
Consumer (employees with payroll deduction) and individuals with business activity segment. Product 'Credito Simple Procea' with a maximum annual interest rate of up to 84.0%.
SME/business and entrepreneur segment. Products: SME loans, bridge loans (interim financing), and insurance and appraisal services. Amounts from $500 thousand up to $30 million pesos; contact within 24 hours maximum. Rates/CAT/fees available in a cost disclosure document.
Online personal loans (DinDispo app), 100% digital, with disbursement in minutes. Consumer. Rates/amounts/terms not published.
Consumer and business segment. Products: loans to improve a business, personal loans, purchase credit, and auto loans. Rates/CAT/amounts not verifiably published.
Corporate/foreign trade segment (B2B). Products: factoring with and without recourse (with credit insurance up to 90%), accounts-receivable insurance, supplier-payment financing, buyer credit for importing machinery/equipment/raw materials, and export financing with political risk coverage. Rates, amounts, and CAT are not published.
Consumer (employee) and corporate/supplier segments. Products: payroll loans, liquidity loans, simple loans with a pledge guarantee (auto) for individuals, supplier factoring, and financial leasing. Rates, amounts, and CAT are not published.
Consumer credit aimed at the group's clients/members (membership financing and personal needs). No specific rates, amounts, or CAT are published.
Individual and company (corporate) segments. Products: simple loans and factoring. Amounts in ranges of $500,000-$1,000,000, $1,000,000-$3,000,000, and above $3,000,000. Requires collateral (house, apartment, land, or commercial premises). No specific rates or CAT are published.
Corporate/SME and individual segments. Products: simple loans, current-account credit, pledge-backed credit, GFL Empresarial, express financial support, financial factoring (supplier and accounts-receivable), operating (pure) leasing, auto loans, and consumer loans. Publishes a 'Rates and fees CAT' document but without detailed figures on the site.
Auto, agricultural, and renewable-energy credit segments. Offers loans, financing, and savings services with rates it describes as competitive. No specific amounts, rates, or CAT are published.
Consumer credit embedded in payment platforms, points of sale, marketplaces, and e-commerce. Repayment is made through a withholding percentage on the merchant's gross sales; partial or full direct payments are allowed. Rates, amounts, and CAT are not published.
Credit products: CrediApoyo Personal, CrediImpulsa, Micro credit, SME credit and Auto credit, plus savings and investment accounts. Includes Micro and SME segments for businesses.
Mainly consumer/housing segment. Product: mortgage loans. No specific amounts, rates, or CAT are published.
Consumer (employee) and group-company segments. Products: simple loans, company simple loans, and payroll loans, for any purpose. Amounts, rates, and CAT are not published.
Consumer, corporate/SME, and housing segments. Products: auto loans (12-60 months), mortgages (5-20 years), personal loans, payroll loans, SME loans, habilitación or avío (working-capital input loan), refaccionario (equipment/fixed-asset loan), factoring, and financial leasing. Promises a response within 48 hours and 'the most competitive rates on the market'; does not publish specific rates or CAT.