EFIM

What EFIM does

EFIM is a Mexico City-based Sociedad Financiera de Objeto Múltiple (SOFOM, E.N.R.) founded on July 17, 2007, providing working capital and asset financing to small and medium enterprises (PYMEs) nationwide in Mexico. The company originated serving the furniture manufacturing industry's working capital needs and subsequently expanded its vertical coverage to construction, livestock, agriculture, and fishing sectors. EFIM is supervised by CONDUSEF for consumer protection and by CNBV for anti-money-laundering (PLD/FT) compliance, and operates without requiring SHCP authorization under its SOFOM E.N.R. charter.

EFIM's product suite comprises six core credit offerings: Habilitación o Avío (raw materials and working capital financing), Refaccionario (machinery and fixed-asset financing), Crédito Simple (general working capital and fixed-asset acquisition), Cuenta Corriente (revolving short-term credit), Crédito Prendario (inventory-backed lending via Certificates of Deposit and Warehouse Bonds issued by an Almacén General de Depósito), and Factoraje (accounts-receivable financing). The company's technology stack centers on a mobile application distributed via iOS App Store and Android (APK), launched August 29, 2024, which incorporates a digital authentication token for secure operation authorization. No API, SDK, or third-party integrations are disclosed.

EFIM pursues a sales-led go-to-market through direct account executives and a website contact form, supplemented by a phone line and the mobile app; pricing, commissions, rates, and terms are not publicly disclosed and must be obtained via direct contact. The company employs 1–10 people at its Hamburgo 182 headquarters in Mexico City, is privately held with capitalization from partners and investors, and carries public credit ratings from HR Ratings (AP3- in May 2021, BBB in June 2022) and Fitch Ratings (July 2022). Revenue is not disclosed; no funding rounds, M&A, or leadership changes are recorded in the available data.

Name

EFIM

Legal name

EFIM SOFOM

Website

https://efim.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

EFIM is a Mexico City-based SOFOM founded in 2007 providing working capital, equipment, revolving, inventory-backed, and receivables financing to small and medium enterprises across Mexico's furniture, construction, livestock, agriculture, and fishing industries.

Ownership category

akta.pro rank

Product category

SME Commercial Lending

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229), Other Activities Related to Credit Intermediation (52239)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

akta.pro secondary industries

Order-to-Cash (O2C) Operations (Order Admin, Credit, Invoicing, Collections Handoff) (BPAAAGAK), Supply Chain Finance (Approved Payables / Reverse Factoring) (FSABAHAC), Lending & Credit Disbursements (FSAMAKAH)

Keywords

• SME commercial lending
• Working capital financing
• Equipment asset loans
• Accounts receivable factoring
• Mexican SOFOM services

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Habilitación o Avío: Financing for the acquisition of raw materials, direct exploitation expenses, and working capital needs of productive enterprises. Short-to-medium term lending.
2. Refaccionario: Financing for the acquisition, replacement, or substitution of machinery, equipment, and other fixed assets related to productive activity.
3. Crédito Simple: Financing for working capital requirements, production of goods, provision of services, commerce, and/or acquisition of fixed assets.
4. Cuenta Corriente: Revolving credit line with no specific destination; allows multiple drawdowns for short-term financing needs, repaid and re-borrowed in a revolving fashion.
5. Crédito Prendario: Liquidity and commercialization support for producers, financing working capital against goods (underlying) backed by Certificates of Deposit (CD) and Warehouse Bonds (BP) issued by a General Storage Warehouse (AGD).
6. Factoraje: Short-term financing mechanism through which a legal entity (moral or physical) obtains liquidity by assigning rights over outstanding accounts receivable.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

EFIM is a Sociedad Financiera de Objeto Múltiple (SOFOM, E.N.R.) that provides a portfolio of six credit products to small and medium enterprises (PYMEs) in Mexico. Offerings include working capital financing (Habilitación o Avío), equipment and fixed-asset financing (Refaccionario), general working capital loans (Crédito Simple), revolving credit lines (Cuenta Corriente), inventory-backed lending (Crédito Prendario), and accounts receivable factoring (Factoraje), distributed through direct sales executives and a mobile app with digital token authentication.

Product overview

EFIM is a Sociedad Financiera de Objeto Múltiple (SOFOM, E.N.R.) offering a portfolio of six financial products designed for SMEs across various industries. The core product suite includes working capital financing (HABILITACION O AVIÓ), equipment financing (REFACCIONARIO), general working capital loans (SIMPLE), revolving credit lines (CUENTA CORRIENTE), inventory-backed lending (PRENDARIO), and accounts receivable factoring (FACTORAJE). These products serve industries including furniture manufacturing, construction, livestock, agriculture, and fishing.

Differentiator

Problem solved

Functional benefit

Products and services

• Habilitación o Avío

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Konfío: Mexican fintech providing working capital and term loans to SMEs. Closest direct competitor in the Mexican SME credit space, competing for the same PYME borrower base that EFIM targets.
• Finsus: Mexican SOFOM offering consumer and SME credit products via digital channels. Comparable as another Mexican SOFOM pursuing diversified credit products, though with a heavier digital/consumer tilt.
• Kubo Financiero: Mexican fintech providing working capital loans to SMEs and individuals via a P2P model. Comparable as a Mexican SME lender targeting similar underserved borrowers, though with a digital origination platform.
• Finvero: Mexican fintech lender focused on factoring and working capital for SMEs. Directly comparable as a Mexican SME lender emphasizing receivables-backed and working-capital products similar to EFIM's Factoraje and Avío offerings.

Broad incumbents

• Banco Compartamos: Mexico's largest microfinance institution serving small businesses and individuals. A broad incumbent serving similar underbanked SME and micro-enterprise borrowers across Mexico, though with a much larger distribution and regulated banking platform.
• Covalto (formerly Consubanco): Mexican commercial bank / multiple-purpose financial company serving SMEs and middle-market borrowers. Overlaps in SME working capital and factoring products, but operates as a broader regulated institution.
• Mercado Crédito: Lending arm of Mercado Libre serving Mexican merchants and consumers with credit products. Adjacent competitor leveraging marketplace data to underwrite SMEs, with greater scale and digital reach than EFIM.

Emerging players

• Stori: Mexican credit-card fintech expanding into broader credit products for underbanked consumers and small businesses. An emerging player with partial overlap in extending credit to underserved Mexican segments.
• Albo: Mexican neobank offering consumer and SME accounts and credit lines. Comparable as a Mexican digital financial-services provider gradually expanding into SME lending adjacent to EFIM's products.
• Credilikeme (Now called Mooy): Mexican fintech providing credit to SMEs and individuals often excluded from traditional banking. Comparable in serving underbanked Mexican borrowers with accessible credit, though with a digital-only origination model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/efim-sapi-de-cv-sofom-enr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 EFIM