Addem Capital
Addem Capital is a Mexico-based SOFOM-regulated private lender founded in 2020 that provides structured debt financing to SMEs in Mexico and Colombia, managing $80.6M AUM across 60 portfolio companies via a proprietary ACPAC congruence system.
- Company typePrivate
- Founded2020
- HeadquartersMexico City, Mexico
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Addem Capital does
Addem Capital (legal entity Goldberg-Zogovic, S.A.P.I. de C.V., SOFOM, E.N.R.) is a Mexico-based alternative lender founded in 2020 that provides structured debt financing solutions to small and medium enterprises in Mexico and Colombia. The company operates as a SOFOM E.N.R., a non-banking financial entity regulated and supervised by Mexico's Comisión Nacional Bancaria y de Valores (CNBV) and Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF), which grants it legal standing to originate debt instruments without bank charter authorization requirements.
The firm's core offering is bespoke structured debt designed to bridge liquidity gaps for SMEs with solid business models and documented impact purposes. Investment decisions are guided by a proprietary 'Sistema de Congruencia ACPAC' that the company states systematically aligns financial returns with measurable positive impact outcomes. A 'master administrator' structure provides integral risk monitoring tailored per client, and active committee governance supports portfolio oversight. As of September 30, 2025, the company reported $52.3M USD invested across 60 portfolio companies and $80.6M USD in assets under management, with portfolio diversification spanning agriculture, technology, healthcare, fintech, legal tech, pharmaceuticals, energy, environment, and children's products.
Addem Capital generates revenue through interest income and investment gains on its structured debt instruments, with deal-by-deal pricing depending on borrower risk profile and structure. It operates a direct origination, sales-led go-to-market model targeting SMEs, supported by content marketing (blog and newsletter) for top-of-funnel engagement. The company is led by co-founders and managing partners Oscar Durán and Pedro Bernal, with Mónica Ajarrista serving as Chief Investment Officer. The firm is privately held with no disclosed parent company, institutional investors, or funding rounds in the available data.
Addem Capital firmographics
Firmographics- Name
- Addem Capital
- Legal name
- Goldberg-Zogovic, S.A.P.I. de C.V., SOFOM, E.N.R.
- Website
- https://addem-capital.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Addem Capital is a Mexico-based SOFOM-regulated private lender founded in 2020 that provides structured debt financing to SMEs in Mexico and Colombia, managing $80.6M AUM across 60 portfolio companies via a proprietary ACPAC congruence system.
- Ownership category
- akta.pro rank
Addem Capital industry classification
Industry- Product category
- SME Private Debt Financing
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- Direct Lending — Venture Debt (FSAHAJAD), Independent Venture Debt Funds / Platforms (FSANAIAB)
Keywords
Where Addem Capital is headquartered
LocationHeadquarters
- HQ city
- Mexico City
- HQ country
- Mexico
- HQ region
- Latin America
Offices1 record
Markets served
Addem Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Structured Debt Financing: Addem Capital provides debt financing solutions to SMEs, earning returns through interest income and investment gains on their structured debt instruments. As a SOFOM (Sociedad Financiera de Objeto Múltiple), they operate as a non-banking financial entity that structures debt products tailored to each company's needs.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Addem Capital product offering
Product offeringCore offering
Addem Capital provides alternative structured debt facilities to small and medium enterprises (SMEs) in Mexico and Colombia that have solid business models and impact-driven purposes. Operating as a SOFOM E.N.R. under the legal entity Goldberg-Zogovic, S.A.P.I. de C.V., the firm structures flexible debt solutions that bridge liquidity access gaps efficiently, deploying capital through a proprietary ACPAC congruence system that integrates financial returns with measurable impact outcomes. As of September 30, 2025, the portfolio spans 60 financed companies with 52.3 MDD invested and 80.6 MDD in assets under management.
Product overview
Addem Capital is a structured debt financing company (SOFOM, E.N.R.) that provides flexible debt solutions to SMEs in Mexico and Colombia. Their core offering is structured debt financing designed to bridge liquidity gaps for businesses with solid models and impact purposes. They operate through a proprietary 'Sistema de Congruencia ACPAC' that guides their investment decisions, combining financial returns with measurable impact outcomes. The company manages a portfolio of 60 financed companies across sectors including agriculture, technology, health, and other industries.
Differentiator
Problem solved
Functional benefit
Products and services
- Structured Debt Financing Solutions Flexible, bespoke alternative debt facilities designed to bridge liquidity access gaps for SMEs with solid business models and impact-driven purposes in Mexico and Colombia. Structures are tailored to each company's specific dynamics, risk profile, and financing needs.
Companies that use Addem Capital
Customer profileNamed customers13 records
Segments1 record
Ideal customer profiles1 record
Addem Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Addem Capital partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Addem Capital competitors and assessment
Company assessmentDirect peers
- Konfío: Mexican fintech providing working capital and growth debt to SMEs that lack access to traditional bank financing. Konfío is one of Addem Capital's closest competitors, targeting the same underserved SME segment in Mexico with structured debt solutions.
- Kapital: Mexico-based financial platform combining corporate credit cards, working capital, and growth financing for SMEs. Kapital competes directly with Addem Capital in offering flexible structured debt to Mexican SMEs with digital-first onboarding.
- Clara: Mexican corporate credit and spend management platform extending debt and credit lines to Latin American businesses. Clara overlaps with Addem Capital's SME debt thesis and shared Mexican corporate customer base.
Broad incumbents
- Banco Compartamos: One of Mexico's largest microfinance and SME-focused banks, serving smaller enterprises and entrepreneurs across the country. As a regulated, scaled lender to underbanked businesses, it represents the broader incumbent alternative to Addem's specialized SME debt offering.
- Banco Azteca: Large Mexican bank with deep distribution in lower- and middle-income segments, including SME lending and consumer credit. Its scale and regulatory license set the bar for what an incumbent SME debt provider looks like in Mexico.
- Mercado Crédito: Lending arm of Mercado Libre / Mercado Pago offering credit lines and working capital to merchants and consumers across LATAM. As a large, data-rich incumbent extending credit to SMEs in Mexico and Colombia, it competes for the same financing demand Addem serves.
Emerging players
- Creditas: Brazilian (now expanding into Mexico) consumer and SME secured lender using home equity, auto, and payroll-backed credit. Creditas represents a regional emerging player applying alternative credit structures to similar SME and consumer segments Addem targets.
- R2 (formerly R2 Capital): LATAM-focused embedded finance and lending infrastructure provider serving SMBs across Mexico, Colombia, and other markets. R2's focus on SMB credit products in Mexico and Colombia places it in overlapping terrain with Addem Capital's geographic footprint.
- Stori: Mexico-based credit card fintech serving underbanked consumers and small businesses with accessible credit products. Stori overlaps with Addem's mission of extending credit to underserved segments in Mexico, though focused on credit cards rather than structured term debt.
- Arcus (formerly Welbe): LATAM fintech platform providing financial infrastructure including lending products for SMEs. Arcus competes in adjacent fintech-enabled SME credit distribution channels across the region, including Mexico.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Addem Capital social profiles
Digital presenceAddem Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Addem Capital leadership team
Management profileNumber of profiles
Profiles3 records
Addem Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Addem Capital M&A and investment
M&A and investmentM&A
Investments18 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Addem Capital
What does Addem Capital do?
Addem Capital provides alternative structured debt facilities to small and medium enterprises (SMEs) in Mexico and Colombia that have solid business models and impact-driven purposes. Operating as a SOFOM E.N.R. under the legal entity Goldberg-Zogovic, S.A.P.I. de C.V., the firm structures flexible debt solutions that bridge liquidity access gaps efficiently, deploying capital through a proprietary ACPAC congruence system that integrates financial returns with measurable impact outcomes. As of September 30, 2025, the portfolio spans 60 financed companies with 52.3 MDD invested and 80.6 MDD in assets under management.
Is Addem Capital a public or private company?
Addem Capital is a private company. It is classified as unknown and is currently operating.
When was Addem Capital founded?
Addem Capital was founded in 2020. It employs 11 to 50 people.
Where is Addem Capital based?
Addem Capital is headquartered in Mexico City, Mexico, in the Latin America region.
How does Addem Capital make money?
One revenue line is on record: structured Debt Financing.
Who are Addem Capital's main competitors?
Direct peers on record are Konfío, Kapital and Clara. Broad incumbents are Banco Compartamos, Banco Azteca and Mercado Crédito. Emerging players are Creditas, R2 (formerly R2 Capital), Stori and Arcus (formerly Welbe).
Does Addem Capital have an API?
No public API is recorded for Addem Capital.
What industry is Addem Capital in?
Addem Capital's product category is SME Private Debt Financing. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAHAJAD, Direct Lending — Venture Debt. Its NAICS code is 522 and its SIC code is 6159.