Equity Link

What Equity Link does

Equity Link S.A.P.I. de C.V. SOFOM E.N.R. is a Mexican fintech founded in 2015 and headquartered in Chihuahua, Mexico, that provides working capital and supply chain financing to industrial SMEs operating primarily in Mexico and the United States. The company is regulated as a SOFOM (Multiple Purpose Financial Company) under CNBV supervision and targets private-sector suppliers with at least $20 million MXN in annual billing, two or more years of operating history, and demonstrable credit standing across verticals including manufacturing, autoparts, aerospace, electronics, medical devices, transportation, and metals.

Its core offering is factoring — both customer-side (Factoraje a Clientes) and supplier-side (Factoraje a Proveedores) — through which Equity Link purchases accounts receivable and provides liquidity in under 24 hours, typically against payment terms of up to 120 days and tenors of up to three years. This is complemented by three ancillary credit products: Crédito Simple (fixed-term loan), Crédito Revolvente (revolving credit line), and Arrendamientos (leasing). All products are delivered through the proprietary MONIE AI platform, which integrates artificial intelligence and advanced analytics for credit scoring, real-time invoice monitoring, anomaly detection, and predictive cash flow analytics.

Equity Link operates a sales-led, inside-sales GTM model combining an online application, WhatsApp contact, and video-call consultation, supported by content marketing, LinkedIn presence, and a referral program. Revenue is generated on a transaction-fee basis (take rate on factored invoices), with pricing customized by client credit profile, transaction volume, and counterparty relationship. Over 11 years of operation, Equity Link has financed more than $450 million USD across 50,000+ invoices, 10,000+ registered platform users, and 350+ active payment sources. In March 2026 the company secured a $53 million USD credit facility from BBVA Spark to scale MONIE and expand financing capacity across strategic industrial sectors.

Name

Equity Link

Legal name

Equity Link S.A.P.I. de C.V. SOFOM E.N.R.

Website

https://equitylink.com.mx

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Equity Link is a Mexican fintech (SOFOM) founded in 2015 that provides supply chain financing and factoring solutions to industrial SMEs in Mexico and the United States through its AI-powered MONIE platform, having financed over $450 million USD across 11 years.

Ownership category

akta.pro rank

Product category

Supply Chain Finance & Factoring

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159), Loan Brokers (6163)

akta.pro primary industry

Trade Finance & Supply Chain Finance Platforms (FSAGAJAL)

akta.pro secondary industries

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

Keywords

• Supply chain financing
• Invoice factoring
• Working capital solutions
• Accounts receivable financing
• SME fintech lending

Headquarters

HQ city

Chihuahua

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring / Accounts Receivable Financing: Equity Link purchases accounts receivable from companies in exchange for immediate liquidity. Companies receive advance payment on their invoices while Equity Link manages collection. Primary revenue comes from fees charged on the factored invoices.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Equity Link is a Mexican fintech (SOFOM E.N.R.) that provides supply chain financing and working capital solutions — primarily factoring — to mid-market suppliers and manufacturers in Mexico and the United States. Its proprietary AI-powered platform MONIE automates invoice factoring, credit assessment, and real-time invoice monitoring, and the company offers a suite of products including customer factoring, supplier factoring, simple term credit, revolving credit, and equipment leasing.

Product overview

Equity Link operates as a SOFOM (Multiple Purpose Financial Company) fintech that provides a suite of supply chain financing and working capital solutions to manufacturing and industrial companies in Mexico and the United States. Its core product family centers on two factoring offerings — Factoraje a Clientes (customer receivable factoring with liquidity in under 24 hours) and Factoraje a Proveedores (supplier-side supply chain financing) — which are complemented by three additional credit products: Crédito Simple (fixed-term loan), Crédito Revolvente (flexible revolving credit line), and Arrendamientos (operating/finance leasing). All products are delivered through the proprietary MONIE AI platform, which leverages artificial intelligence and advanced analytics to automate factoring workflows, assess credit risk, monitor invoices in real time, and optimize capital operations across a network of over 10,000 suppliers. The company has financed over $450 million USD across 11 years of operation.

Differentiator

Problem solved

Functional benefit

Brands

• MONIE: AI-powered credit platform developed by Equity Link that integrates artificial intelligence and advanced analytics to optimize real-time financial operations for supply chain financing.
• MONIE Expresso
• Loyalty Perks

Products and services

• Factoraje a Clientes (Customer Factoring)

Quantifiable outcome

• Approval in 24 hours for factoring requests
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature3 records

Partnerships

Two partnerships are on record, tiered minor.

• MedimagenminorOthersHealthcare partner offering high-tech equipment and certified radiologist services in various specialties. Provides specialized radiological studies and procedures using cutting-edge technology.
• ClickplanminorGTM or Marketing PartnerInbound marketing and sales strategy partner specializing in digital transformation. Certified HubSpot and Google partner, focusing on marketing and sales alignment to build sustainable digital ecosystems.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Kueski: Mexican fintech offering credit products including payroll loans and SME financing. Operates in the same Mexican alternative finance ecosystem as Equity Link, with overlap in serving underbanked SMEs.
• Klar: Mexican digital bank/neobank offering credit, deposits, and payment products to consumers and SMBs. Overlaps with Equity Link in serving underbanked Mexican SMEs with digital credit solutions.
• Clip: Mexican fintech providing payment processing and working capital solutions to SMBs. Overlaps with Equity Link in serving Mexican SMEs with digital financial services, though payment-processing-first rather than factoring-first.
• Stori: Mexican fintech providing credit cards and credit products to underserved consumers and small businesses. Operates in the Mexican fintech ecosystem and competes for similar alternative-finance market share.
• Creditas: Brazilian (with LATAM presence) fintech offering secured lending and asset-backed financing including auto and home equity. Comparable alternative-finance model serving LATAM SMEs, though Brazil-focused.

Direct peers

• Konfío: Mexico-based fintech providing working capital loans and credit solutions to SMBs, including SMEs in manufacturing and industrial sectors. Closely comparable to Equity Link in target customer, product type (SME credit/working capital), and Mexican regulatory context.
• Arcus by Arcus FI: Fintech infrastructure and embedded finance provider serving financial institutions in LATAM with payment and credit capabilities. Comparable in supplying embedded credit infrastructure for supply chain finance in the region.
• Aliado: Mexico-based financial services company offering factoring and supply chain financing solutions to businesses. Directly competes with Equity Link in the Mexican factoring/SCF market with similar B2B SME focus.

Broad incumbents

• Mercado Pago: Fintech arm of MercadoLibre offering payments, credit, and merchant financing across LATAM. As a broad incumbent, it competes for Mexican SME credit and working capital relationships, with much larger scale.
• Grupo Bursátil Mexicano (GBM): Mexican brokerage and financial services group with broader product portfolio including credit and lending. As a broader financial services incumbent, it overlaps with Equity Link's financing services to SMEs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/share/15z6VehYJD/?mibextid=wwXIfr
• LinkedInlinkedin.com/company/equity-link-sofom
• Instagraminstagram.com/equity_link

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors3 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 Equity Link