VIWALA
VIWALA is a Mexico City-based impact debt fund (Viwala, S.A.P.I. de C.V.) that lends to Mexican SMEs transitioning toward UN Sustainable Development Goals, with three loan products — Crédito Mujeres, Crédito Impacto, and Crédito Incluye — delivered via a SAT-integrated digital platform and distributed online, through brokers, and across the New Ventures ecosystem.
- Company typePrivate
- Founded2017
- HeadquartersMexico City, Mexico
- Headcount1–10
- GTM typeB2B
- OfferingServices
What VIWALA does
VIWALA, formally Viwala, S.A.P.I. de C.V., is a Mexico City-based impact debt fund that lends to small and medium enterprises (PYMEs/SMEs) in Mexico that are transitioning their operations toward the United Nations Sustainable Development Goals. It sits within the New Ventures impact-entrepreneur ecosystem and explicitly targets the so-called 'Missing Middle' — businesses too large for microfinance but underserved by traditional banks — with a particular emphasis on women-led, LGBTQ+ led, and positive-impact companies.
VIWALA's product portfolio consists of three loan products: Crédito Mujeres (for women entrepreneurs or businesses that benefit women and girls), Crédito Impacto (for companies with positive social or environmental impact, MXN 100,000–5,000,000, 12–36 month terms), and Crédito Incluye (for enterprises integrating diversity and inclusion practices, MXN 4,000,000–15,000,000, 36-month terms, interest rates starting at 14%). All products combine debt financing with action plans and offer discounts of up to 60% on financial costs for early settlement or for meeting defined impact or inclusion criteria. Distribution is digital-first: applicants use SAT.ws (a third-party application built by SATWS TECHNOLOGIES, S.A.P.I. de C.V.) for an online application that pulls encrypted fiscal data via Mexico's SAT/CIEC and integrates with Buró de Crédito and Círculo de Crédito, enabling same-day credit decisions and fund disbursement in approximately 10 business days. A broker/intermediary channel and WhatsApp-based contact supplement the self-serve website funnel.
The business model is interest-income-driven on a debt-fund basis, with ancillary revenue from financial advisory and consulting services to borrowers and commission outflows to broker partners. VIWALA charges interest rates starting at 14% (subject to discount), with fixed monthly payments and terms of 12–36 months; loans above MXN 500,000 (Crédito Impacto) and from MXN 2M or MXN 4M (Crédito Incluye, English and Spanish sites respectively) require 1:1 collateral. The company is regulated as an S.A.P.I. (Sociedad Anónima Promotora de Inversión) under Mexican commercial law, operates with 1–10 employees, and has not publicly disclosed funding rounds, AUM, or revenue.
VIWALA firmographics
Firmographics- Name
- VIWALA
- Legal name
- Viwala, S.A.P.I. de C.V.
- Website
- https://viwala.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- VIWALA is a Mexico City-based impact debt fund (Viwala, S.A.P.I. de C.V.) that lends to Mexican SMEs transitioning toward UN Sustainable Development Goals, with three loan products — Crédito Mujeres, Crédito Impacto, and Crédito Incluye — delivered via a SAT-integrated digital platform and distributed online, through brokers, and across the New Ventures ecosystem.
- Ownership category
- akta.pro rank
VIWALA industry classification
Industry- Product category
- Impact SME Lending
- NAICS
- Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Direct Lending — Venture Debt (FSAHAJAD)
- akta.pro secondary industry
- Venture Growth / Recurring Revenue Credit Funds (FSANAIAG)
Keywords
Where VIWALA is headquartered
LocationHeadquarters
- HQ city
- Mexico City
- HQ country
- Mexico
- HQ region
- Latin America
Offices2 records
Markets served
VIWALA business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Interest Income on Impact Loans: VIWALA earns interest income through debt instruments (Impact-Linked Loans, Revenue-Based Loans, and Fixed Payment Loans) provided to SMEs. Interest rates start at 14% with discounts up to 60% of financial costs for borrowers who meet impact criteria.
- Financial Advisory and Consulting Fees: Free monthly financial consultancy is provided as part of loan packages; additional paid consulting services may be offered through the expert network.
- Broker Commission Revenue: VIWALA pays commissions to intermediary/broker companies for each loan placed through their channel partner scheme.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Crédito Impacto — for businesses with positive social or environmental impact |
| Unit Pricing | Monthly | Crédito Incluye — for enterprises integrating diversity and inclusion practices |
| Unit Pricing | Monthly | Crédito Incluye — English site range |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
VIWALA product offering
Product offeringCore offering
VIWALA is a debt fund (fondo de deuda) that provides growth capital to Mexican SMEs transitioning toward operations aligned with the UN Sustainable Development Goals (SDGs). It offers three credit products — Crédito Mujeres, Crédito Impacto, and Crédito Incluye — combining debt instruments with action plans and rewarding measurable impact achievement with interest discounts of up to 60%. Loan applications are processed digitally through a platform integrated with Mexican tax authority (SAT) systems and credit bureaus.
Product overview
VIWALA is a debt fund (fondo de deuda) that provides growth capital to Mexican SMEs transitioning toward United Nations Sustainable Development Goals (SDGs). Its product portfolio consists of three distinct credit products: Crédito Mujeres (targeting women entrepreneurs and businesses that benefit women and girls), Crédito Impacto (for companies with positive social or environmental impact), and Crédito Incluye (for businesses integrating diversity and inclusion practices). All three products provide debt financing alongside action plans designed to facilitate implementation of impact-positive practices, making the process efficient and without operational complications for clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédito Mujeres Business loan for women entrepreneurs and businesses that benefit women and girls, providing growth capital to women-led SMEs seeking to integrate positive-impact practices.
- Crédito Impacto Debt instrument for SMEs generating positive social or environmental impact. Loans range from MXN 100,000 to MXN 5,000,000 with fixed monthly payments starting at MXN 8,333, terms of 12 to 36 months, 1:1 collateral required for loans exceeding MXN 500,000, and up to 60% discount on interest for early settlement.
- Crédito Incluye Loan product for mid-market Mexican enterprises integrating diversity, equity, and inclusion (D&I) practices into their operations. Loans range from MXN 4 million to MXN 15 million (Spanish site) or MXN 2 million to MXN 10 million (English site), with interest rates starting at 14%, 36-month terms, 1:1 collateral from MXN 2,000,000 (English site) or MXN 4,000,000 (Spanish site), and up to 60% discount of financial costs.
Quantifiable outcome
- Savings of up to 60% of financial costs through discounts for early payment or meeting impact criteria
- +3 more outcomes
Companies that use VIWALA
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
VIWALA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
VIWALA partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core, secondary and minor.
- New VenturescoreNew Ventures is VIWALA's parent/ecosystem organization that provides strategic support, mentoring, and business development to impact entrepreneurs in Mexico and Latin America. VIWALA is part of the New Ventures initiative and shares infrastructure, expertise, and referrals with the broader ecosystem. New Ventures also operates the Conectiva acceleration program that supports growing businesses in Mexico.
- AIIMX (Academia de Impacto en México)coreA network of organizations driving the agenda of impact investing in Mexico. VIWALA participates as a member of this network to advance impact investing practices.
- Fondo Mexicano para la Conservación de la Naturaleza A.C. (FMCN)coreA civil society organization that collaborates with multiple actors to conserve Mexico's natural heritage. Motto: 'Conserving is building the future.' Aligned with VIWALA's environmental impact focus.
- Pro MujercoreFor more than 30 years, Pro Mujer has helped women reach their full potential, providing financial and digital inclusion, training, and health and wellness services at low cost. Strong alignment with VIWALA's Crédito Mujeres product focused on women entrepreneurs.
- DreilindensecondarySupports women and girls, as well as people whose sexual orientation, gender identity and expression, and sex characteristics do not conform to social norms. Aligned with VIWALA's diversity and inclusion mandate.
- Global Fund for Coral Reefs (GFCR)secondaryCreating a new paradigm to protect coral reef ecosystems on the brink of extinction and enhancing the resilience of coral reef countries and communities. Aligned with VIWALA's environmental impact goals.
- Healthy ReefssecondaryPromotes the application of Reef Health Indicators, provides standardized analysis of reliable scientific data, and serves as an open forum for exchange of information and collaboration on reef conservation.
- Mar FundsecondaryDedicated to inspiring innovative and transnational solutions for the conservation of the Mesoamerican Reef. Supports VIWALA's environmental impact mission.
- IKEA Social EntrepreneurshipsecondaryIKEA Social Entrepreneurship works with pioneers and pathfinders who use their business to make everyday life better for those who need it most. Aligns with VIWALA's mission to support impact-driven SMEs.
- incMTYsecondaryAn entrepreneurship festival connecting people interested in creating opportunities. Born from entrepreneurs for entrepreneurs, supporting through three strategic lines for different stages of entrepreneurship.
- BayerminorGerman pharmaceutical company founded in Barmen in 1863. Listed as a partner on VIWALA's alliances page.
- Swiss ConfederationminorListed as a partner on VIWALA's alliances page, suggesting collaboration on impact investing initiatives.
- ConectivasecondaryA pilot acceleration program under New Ventures that supports growing businesses in Mexico working to employ opportunity youth. VIWALA structures impact payment loans to help these ventures scale and drive greater impact. Part of the broader New Ventures ecosystem.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
VIWALA competitors and assessment
Company assessmentDirect peers
- Konfío: Mexico-based fintech providing online working-capital loans to SMEs. Direct peer — same SME target customer, similar digital underwriting model, competing for the same underserved Mexican SME segment that VIWALA targets.
- Kueski: Mexican online consumer and SME lender using alternative-data underwriting and same-day decisions. Direct peer given overlapping Mexican digital credit market and similar tech-led risk assessment approach.
Broad incumbents
- Banco Compartamos: Mexico's largest microfinance institution serving low-income and small-business borrowers. Comparable as a Mexican incumbent serving the lower end of VIWALA's 'Missing Middle' SME market.
- Banco Azteca: Large Mexican commercial bank focused on unbanked and underbanked consumers/SMEs via Elektra distribution. Comparable as a broad incumbent serving similar underserved Mexican borrower segments.
- IDB Invest: Inter-American Development Bank's private-sector arm financing SMEs and impact projects across LATAM. Broad incumbent comparable to VIWALA on impact-SME lending mandate across the region.
Others
- Pro Mujer: Latin American financial-inclusion organization providing credit, training, and health services to women entrepreneurs. Both partner and comparable peer — directly aligned mission to serve women-led SMEs across LATAM.
- Acumen Latam Impact Ventures: Impact-investment fund backing social enterprises in LATAM. Thematically aligned — both channel capital toward impact-driven Latin American SMEs, though Acumen deploys equity while VIWALA deploys debt.
Emerging players
- Stori: Mexican fintech issuing credit cards to underserved consumers and small businesses. Emerging peer in Mexican digital credit market with overlapping borrower demographics.
- Klar: Mexican digital bank offering credit, savings, and payments to underbanked consumers. Emerging peer with adjacent credit products in the same Mexican underserved segment.
- Albo: Mexican consumer fintech with credit products for underbanked users. Emerging peer in the Mexican digital-lending ecosystem with comparable target demographic.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
VIWALA social profiles
Digital presenceVIWALA financial estimates
Financial estimateRevenue estimate
Valuation estimate
VIWALA leadership team
Management profileNumber of profiles
VIWALA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VIWALA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VIWALA
What does VIWALA do?
VIWALA is a debt fund (fondo de deuda) that provides growth capital to Mexican SMEs transitioning toward operations aligned with the UN Sustainable Development Goals (SDGs). It offers three credit products — Crédito Mujeres, Crédito Impacto, and Crédito Incluye — combining debt instruments with action plans and rewarding measurable impact achievement with interest discounts of up to 60%. Loan applications are processed digitally through a platform integrated with Mexican tax authority (SAT) systems and credit bureaus.
Is VIWALA a public or private company?
VIWALA is a private company. It is classified as corporate owned and is currently operating.
When was VIWALA founded?
VIWALA was founded in 2017. It employs 1 to 10 people.
Where is VIWALA based?
VIWALA is headquartered in Mexico City, Mexico, in the Latin America region.
How does VIWALA make money?
Three revenue lines are on record. Interest Income on Impact Loans are the primary driver. The others are financial Advisory and Consulting Fees and broker Commission Revenue.
Who are VIWALA's main competitors?
Direct peers on record are Konfío and Kueski. Broad incumbents are Banco Compartamos, Banco Azteca and IDB Invest. Others are Pro Mujer and Acumen Latam Impact Ventures. Emerging players are Stori, Klar and Albo.
Does VIWALA have an API?
No public API is recorded for VIWALA.
What industry is VIWALA in?
VIWALA's product category is Impact SME Lending. Its primary akta.pro industry code is FSAHAJAD, Direct Lending — Venture Debt, with a secondary code of FSANAIAG, Venture Growth / Recurring Revenue Credit Funds. Its NAICS code is 5222 and its SIC code is 6153.