What Creze does

Creze is a Mexico-based fintech operating as a SOFOM E.N.R. (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada) that provides online business lending to small and medium enterprises underserved by traditional Mexican banks. Founded in 2015 and headquartered in Mexico City, the company offers two core products: unsecured business credit (Crédito Empresarial Sin Garantía) ranging from MX$200,000 to MX$5 million with terms up to 24 months and interest rates of 22–38% annually, and real-estate-secured credit (Crédito Empresarial Con Garantía) up to MX$10 million with terms up to 60 months at 18–22%. A 5% structuring commission is also charged on disbursed amounts.

The platform is built around an AI-driven risk assessment engine that automates quantitative and qualitative analysis of borrower financial profiles — including bank statement history, SAT fiscal certificates, and transactional data — to issue credit decisions within approximately 72 hours, a significant compression versus traditional bank lending timelines. A 100% online application workflow, a self-serve credit simulator, and a dedicated customer account portal (myaccount.creze.com) support the digital-first experience. The company reports 5,800+ credits delivered, a 75% approval rate, MX$2 billion in cumulative loan disbursements since 2020, and over MX$114 million in loans originated.

Creze generates revenue through interest income on its loan portfolio plus structuring commissions, monetizing two customer segments: formal business entities (Persona Moral) and individual entrepreneurs with business activity (PFAE) registered under Mexican tax regimes. Go-to-market is product-led via a digital self-serve channel complemented by inside sales support (WhatsApp, account managers), a 780+ article content marketing engine, multi-channel social media presence, and institutional credibility signals including ASOFOM 'SOFOM Alta Calidad' certification, CNBV oversight, and CONDUSEF registration. Funding history includes approximately US$23.6 million across rounds led by Nazca Ventures, Arc Labs, and BBVA Spark.

Name

Creze

Legal name

Prestadora de Servicios Ciclomart, S.A.P.I. de C.V., SOFOM, E.N.R.

Website

https://creze.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Creze is a Mexico City-based fintech SOFOM offering AI-driven online business loans (MX$200K–MX$10M) to underserved Mexican SMEs, with 72-hour approval, 100% digital distribution, and over MX$2 billion cumulatively disbursed since 2020.

Ownership category

akta.pro rank

Product category

SME Lending

NAICS

Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• SME lending
• Online business loans
• AI credit scoring
• Unsecured business credit
• Mexican fintech lending

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. SME Loan Interest Income: Creze generates revenue primarily through interest income on disbursed loans. The company offers two main credit products: (1) Credit Simple sin garantía (unsecured) ranging from $200,000 to $5 million MXN for Persona Moral and up to $1 million MXN for PFAE, with terms up to 24 months and interest rates of 22%–38% annually; and (2) Crédito Simple con garantía hipotecaria (secured with real estate) ranging up to $10 million MXN for Persona Moral and $3 million MXN for PFAE, with terms up to 60 months and interest rates of 18%–22% annually. A structuring/opening commission of up to 5% of the disbursed amount is also charged.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Creze operates a 100% online lending platform for Mexican SMEs, originating unsecured business credit (MX$200,000–MX$5,000,000, up to 24 months) and real estate-secured business credit (up to MX$10,000,000, up to 60 months) with credit decisions in approximately 72 hours. The platform uses an AI-driven risk assessment engine to analyze borrower financial profiles (bank statements, SAT records, transactional data) and serves both formal business entities (Persona Moral) and individual entrepreneurs (PFAE, RIF, RESICO) nationwide in Mexico.

Product overview

Creze is a 100% Mexican fintech company operating as a SOFOM E.N.R. that offers an online business lending platform for Mexican SMEs. The product portfolio consists of two core credit products: Crédito Empresarial Sin Garantía (unsecured business loans from $200,000 to $5 million with up to 24-month terms) and Crédito Empresarial Con Garantía (real estate-backed secured loans up to $10 million with up to 60-month terms). Both products feature 72-hour approval timelines and are complemented by an online credit simulator tool. The platform leverages AI for risk assessment and creditworthiness evaluation to process loan applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Empresarial Sin Garantía (Unsecured Business Credit)

Quantifiable outcome

• 5,800+ credits delivered with a 75% approval rate
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• ASOFOM (Asociación de Sociedades Financieras de Objeto Múltiple en México, A.C.)coreStrategic or Co-development PartnerCreze is an active member of ASOFOM, the industry association for SOFOM entities in Mexico. Membership implies adherence to best practices in the sector and participation in initiatives for the development of Mexico's financial market. Creze also holds the 'SOFOM Alta Calidad' certification from ASOFOM.
• CONDUSEF (Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros)minorOthersCreze is registered with CONDUSEF (SIPRES registration) and participates in the REDECO (Registro de Despachos de Cobranza), demonstrating regulatory compliance and consumer protection alignment. CONDUSEF is a government regulator, not a commercial partner.
• CNBV (Comisión Nacional Bancaria y de Valores)minorOthersAs a SOFOM E.N.R., Creze is subject to CNBV supervision for purposes of Article 56 of the Ley General de Organizaciones y Actividades Auxiliares del Crédito, including obligations related to anti-money laundering and counter-terrorist financing compliance.
• AccionalminorOthersCreditor institution listed as backing Creze, alongside ASOFOM, Círculo de Crédito, Buró de Crédito, CNBV, CONDUSEF, CSB, and Lend.
• Círculo de CréditominorOthersCredit bureau listed as an institutional partner supporting Creze's operations.
• Buró de CréditominorOthersCredit bureau listed as an institutional partner supporting Creze's credit assessment process.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Konfío: Konfío is Mexico's largest digital lender to SMEs and Creze's most direct competitor. Both originate unsecured and secured working-capital loans to Mexican SMEs using data-driven underwriting, with similar ticket sizes and similar target segments (Persona Moral and PFAE). Konfío is more mature and better capitalized (SoftBank-backed), making it the benchmark for Creze's trajectory.
• Kapital: Kapital is a Mexican fintech offering digital working-capital and credit lines to SMEs, with a SaaS-style dashboard for managing company finances. It directly competes with Creze for the same Persona Moral / PFAE SME borrower in Mexico, using a similar tech-led underwriting approach. Comparable product scope, ticket sizes, and customer profile.
• Kueski: Kueski is a Mexican fintech offering online credit (initially consumer, expanding into SME) using AI-based underwriting. While its core is consumer lending, its SME expansion and Mexican fintech-DNA, regulatory standing (SOFOM), and AI risk-assessment technology make it a credible direct peer for Creze in the broader Mexican online credit market.
• Clara: Clara is a Mexican corporate credit-card and spend-management fintech serving SMEs and mid-market companies. It overlaps with Creze in serving the same Mexican SME persona with digital credit products and competes for share-of-wallet on working-capital financing. Comparable customer and geography.
• Credijusto: Credijusto (now addi Capital / SME division) is a Mexican fintech that provided online secured and unsecured business loans to SMEs, directly competing with Creze in ticket size, target segment, and digital distribution. It represents a close historical peer in the Mexican online SME-lending category.

Regional players

• Stori: Stori is a Mexican credit-card fintech serving underbanked consumers and small businesses. While more consumer-focused, it competes for the same underserved Mexican borrower profile and uses similar alternative-data underwriting, making it a regional peer in the Mexican fintech-credit category.
• Klar: Klar is a Mexican digital bank offering credit, savings, and payments products to consumers and small businesses. It overlaps with Creze in serving underbanked Mexican customers with credit products and competes for the same SME working-capital demand, though Klar's distribution is broader (deposits + credit).
• Albo: Albo is a Mexican neobank offering credit cards and personal loans to consumers and small businesses. While primarily consumer-focused, it competes in the Mexican fintech-credit category with Creze and shares the same regulatory SOFOM/fintech DNA and target demographic of underbanked Mexicans.

Broad incumbents

• Mercado Pago: Mercado Pago, the fintech arm of Mercado Libre, offers merchant credit and working-capital loans to SMEs across Latin America, including Mexico. It is a broad incumbent with massive scale, deep merchant data from Marketplace, and growing SME lending ambitions — a strategic threat and benchmark for Creze.

Emerging players

• Creditas: Creditas is a Brazilian fintech specializing in secured consumer and SME lending using home equity and auto collateral. Comparable to Creze in its secured loan product (real estate-backed business credit) and its use of alternative-data underwriting, though operating primarily in Brazil rather than Mexico.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/CrezeLatam
• YouTubeyoutube.com/@contacto-8968
• Facebookfacebook.com/CrezeLatam
• LinkedInlinkedin.com/company/creze
• Instagraminstagram.com/crezelatam/?hl=es-la

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds4 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Creze