What kubo.financiero does

kubo.financiero is a Mexico City-based digital financial services company founded in 2012 and authorized in November 2013 as a Sociedad Financiera Popular (SOFIPO) by the CNBV — the first peer-to-peer lending platform to receive that license in Mexico and Latin America. It operates a 100% digital, branchless platform built on AWS infrastructure, delivering personal loans (tumeta.kubo, $25,000–$100,000 MXN, 4–36 months at 27.50%–102.51% annual interest), micro/SME loans (Préstamos para Negocios launched 2024), savings accounts (kubo.ahorro), fixed-term investments (kubo.plazofijo with yields up to 12% and terms from 7 days to 4 years), and a Visa debit card (launched 2023). Credit decisions are driven by a proprietary kubo.score grading system using Círculo de Crédito and Buró de Crédito bureau data, and savings/investment balances are protected by PROSOFIPO up to 25,000 UDIS per person.

The company generates revenue primarily from net interest income on its loan portfolio, complemented by a 2% origination fee, a 5% maintenance commission on loans, collection fees of $129.31 MXN per event, and the spread between loan yields and the 7.07%–12.00% it pays to investors on fixed-term products. Distribution is fully self-serve via web and mobile app (iOS and Android), supported by organic search, content marketing, app-store presence, and an extensive retail cash-payment network (Banorte, BBVA, Telecomm, 7-Eleven). Over 13 years kubo has served 180,000+ customers, originated 137,000+ loans totaling $5,196 million MXN, and built a community of 40,000+ investors who have received $735 million MXN in returns.

Unit economics, however, are stressed: profitability was -28.82% versus a sector average of 1.2%, and the NPL ratio of 16.88% is nearly double the sector mean, which directly motivated the announced February 2026 $35.6M USD merger with Crédito Maestro, under which kubo contributes its SOFIPO license and technology platform in exchange for capital and commercial capabilities. The 251–500 employee base, broad product suite, and SOFIPO license represent a defensible asset stack, but the financial profile and pending merger signal that growth and profitability remain works in progress.

Name

kubo.financiero

Legal name

Ku-bo Financiero, S.A. de C.V., S.F.P.

Website

https://kubofinanciero.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

251–500 employees

Short description

kubo.financiero is a Mexico City-based, CNBV-regulated SOFIPO operating a 100% digital retail finance platform offering personal and SME loans, savings accounts, fixed-term investments, and a Visa debit card to Mexican consumers and small businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan interest income: Primary revenue stream from interest charged on personal and business loans. Interest rates range from 27.50% to 102.51% annual, with CAT promedio of 78.1%. Commission for opening of 2% plus VAT, and maintenance commission of 5% plus VAT.
2. Investment product returns: Returns paid to investors on fixed-term investments (kubo.plazofijo) using funds from loan portfolio. Investment rates range from 7.07% to 12.00% depending on term length.
3. Collection fees and penalties: Collection fees of $129.31 plus VAT per event for debt collection activities. Also includes fees for failed claims.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

kubo.financiero is a 100% digital Mexican financial platform regulated as a Sociedad Financiera Popular (SOFIPO) that offers personal loans (MX$25,000–MX$100,000), savings accounts (kubo.ahorro), fixed-term investments (kubo.plazofijo and kubo.impulso), business loans, and Visa-branded physical and virtual debit cards. It uses a proprietary kubo.score credit-rating system to assign personalized interest rates and operates entirely online via web portal and mobile app, with funding sourced from individual investors and lending to consumers and small businesses.

Product overview

kubo.financiero is a multi-product financial platform operating as a Sociedad Financiera Popular (SOFIPO) regulated by CNBV and CONDUSEF in Mexico. The platform offers a comprehensive suite of financial products centered on savings, investments, personal lending, and digital banking. The core product ecosystem consists of: (1) savings and investment products including kubo.ahorro (savings account), kubo.plazofijo (fixed-term investments with rates up to 12%), and kubo.impulso (investment savings); (2) credit products including tumeta.kubo (personal loans from $25,000-$100,000 MXN), kubo.activa, and kubo.pagaplazos (installment payment plans), all featuring the proprietary kubo.score credit rating system; (3) digital banking via the Tarjeta de Débito kubo Visa (physical and virtual cards); and (4) digital tools including loan and investment simulators. All products are protected by PROSOFIPO up to 25,000 UDIS and operated 100% digitally since 2012.

Differentiator

Problem solved

Functional benefit

Brands

• kubo.ahorro: Savings account product offering zero commissions and no minimum balance requirements.
• kubo.plazofijo
• kubo.impulso
• tumeta.kubo
• kubo.activa
• kubo.pagaplazos
• Tarjeta de Débito kubo Visa
• kubo.score

Products and services

• kubo.ahorro Digital savings account that lets Mexican individuals deposit and transfer funds with no commissions and no minimum balance, and that serves as the receiving account for personal loan disbursements.
• kubo.plazofijo Fixed-term digital investment product that lets individuals invest from MX$50 over terms ranging from 7 days to 4 years, earning annual yields between 7.07% and 12.00% and protected by PROSOFIPO up to 25,000 UDIS per person.
• kubo.impulso Investment savings product under the PROSOFIPO protection fund that allows individuals to grow their money with competitive rates through kubo.financiero's regulated platform.
• tumeta.kubo (Personal Loan) Online personal loan product for individuals offering MX$25,000–MX$100,000 with annual interest rates from 27.50% to 102.51% based on a kubo.score credit rating, terms of 4–36 months, flexible weekly/biweekly/monthly payments, no collateral or guarantor, and disbursement within 24 hours of contract signing.
• Préstamos para Negocios (Business Loan) Uncollateralized business loan product for micro and small businesses in Mexico, providing up to MX$100,000 for merchandise, machinery, hiring, and store improvements, with flexible income documentation and 24-hour disbursement.
• Tarjeta de Débito kubo Visa (kubo's Visa Debit Card) Physical and virtual Visa-branded debit card with no annual fees, dynamic CVV, on/off activation via the mobile app, contactless payments, and Metrobús integration, protected by PROSOFIPO up to 25,000 UDIS.
• Préstamo para Consolidación de Deudas (Debt Consolidation Loan) Loan product that combines multiple existing debts into a single kubo.financiero loan with a single payment schedule and potentially lower overall interest cost.
• Préstamo Express (Express Loan) Fast-track online personal loan product with 5-minute pre-approval and disbursement within 24 hours of contract signing for qualifying borrowers.

Quantifiable outcome

• 180,000+ customers served over 13 years
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and major.

• Crédito MaestrocoreStrategic or Co-development Partner · 18 February 2026Pending merger transaction valued at $35.6 million USD. Under the agreement, Kubo will contribute its CNBV license and technology platform while Crédito Maestro will contribute capital and commercial capabilities. The deal is pending approval from financial and antitrust regulators.
• Amazon Web Services (AWS)coreTechnology or IntegrationCloud infrastructure provider enabling digital operations. AWS infrastructure allows Kubo to perform operations while reducing carbon footprint through use of renewable energy.
• VisacoreTechnology or IntegrationCard network partnership for debit card issuance. Kubo issues Visa-branded debit cards accepted worldwide with contactless payment capability.
• BanortemajorChannel Partner/ Reseller/ DistributorPayment partner for loan repayments through Banorte bank branches nationwide.
• BBVA (Bancomer)majorChannel Partner/ Reseller/ DistributorPayment partner for loan repayments through BBVA bank branches nationwide.
• TelecommmajorChannel Partner/ Reseller/ DistributorPayment partner for loan repayments through government postal and telegraph offices.
• 7-ElevenmajorChannel Partner/ Reseller/ DistributorPayment partner for loan repayments through 7-Eleven convenience stores nationwide.
• CNBV (Comisión Nacional Bancaria y de Valores)coreOthersPrimary financial regulator that authorized Kubo as a SOFIPO (Sociedad Financiera Popular) in November 2013. Regulates and supervises all operations.
• CONDUSEF (Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros)coreOthersConsumer protection regulator that supervises financial services and maintains the RECA (Registro de Contratos de Adhesión) for consumer contracts.
• PROSOFIPO (Fondo de Protección de Sociedades Financieras Populares)coreOthersDeposit insurance fund that protects savings and investments up to 25,000 UDIS per person for kubo.ahorro, kubo.plazofijo, and kubo.impulso products.

Scale indicators11 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Kueski: Mexican online consumer lender offering cash loans and BNPL to underbanked consumers via a fully digital process. Closely comparable to kubo's tumeta.kubo personal loan product in target customer, digital onboarding, and credit-builder positioning.
• Stori: Mexican fintech issuing credit cards to underbanked consumers, also operating a digital-first, mobile-led model. Comparable to kubo in serving thin-file Mexican consumers with simple online onboarding and alternative-data underwriting.
• Konfío: Mexican fintech focused on unsecured loans and credit solutions for SMEs and entrepreneurs. Directly comparable to kubo's Préstamos para Negocios (launched 2024), targeting similar micro/small business borrowers underserved by traditional banks.
• Albo: Mexican challenger bank offering digital accounts, debit cards, and consumer credit products via a mobile app. Comparable to kubo across the savings-account-plus-credit-card-plus-personal-loan stack aimed at young, urban Mexican consumers.
• Credijusto (now Plata): Mexican fintech that originated as a digital SME lender and has since pivoted toward broader consumer banking (now branded Plata). Comparable to kubo in offering online credit to SMEs and underserved consumers via a regulated Mexican entity.
• Aplazo: Mexican BNPL fintech offering installment payments to consumers at physical and online merchants. Comparable to kubo's kubo.pagaplazos installment credit product in addressing consumer credit demand without traditional credit cards.

Broad incumbents

• Nubank (Nu México): Brazilian digital bank that expanded into Mexico, offering no-fee accounts, debit/credit cards, and personal loans. A broader incumbent serving the same Mexican underbanked segment as kubo, but with substantially larger scale and capital base.
• Mercado Pago: Fintech arm of Mercado Libre offering accounts, debit/credit, payments, and consumer credit to Mexican users of the Mercado Libre ecosystem. Broader incumbent overlapping with kubo on consumer credit and digital accounts at much larger scale.
• Banco Azteca: Large Mexican retail bank affiliated with Grupo Salinas, historically focused on serving unbanked and underbanked consumers via physical branches. Comparable to kubo in customer profile, though delivers product through a branch-led model rather than digital-first.

Emerging players

• Clara: Mexican fintech providing corporate cards and spend management for SMEs. Partially comparable to kubo's SME lending business (Préstamos para Negocios) given shared SMB target customer, although Clara focuses on payments/cards rather than cash loans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/kubofinanciero
• Facebookfacebook.com/kubofinanciero
• LinkedInlinkedin.com/company/kubo-financiero

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds8 records

Investors17 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 kubo.financiero