Inventa Financial Services

What Inventa Financial Services does

Inventa Financial Services is a privately held Mexican non-bank financial services group founded in 2010, operating through multiple SOFOM E.N.R. entities under a parent holding company (Inventa Equity Holding, S.A.P.I. de C.V.). The group delivers a multi-product financial platform to segments historically underserved by traditional Mexican banks, organized across five subsidiaries: Inventa Leasing (pure leasing and sale & leaseback for asset acquisition), Inventa Finance (factoring and PyME credit), Inventa Credit (salary-deduction credit for federal and state government employees), Inventa Insurance (individual and family insurance brokerage), and Inventa Medical (invoice factoring for private hospitals and healthcare providers). All entities are subject to CNBV supervision on anti-money laundering matters but are not SHCP-authorized banks, and the company is headquartered at Paseo de la Reforma 2608 in the Lomas Altas district of Mexico City.

The business model generates revenue from four streams: pure leasing (asset-based financing), factoring (transaction fees on invoice purchases with terms of 5–180 days), credit products (interest-bearing PyME and payroll loans at 16–48% annual fixed rates, with payroll credits at 33.6–42%), and insurance brokerage commissions. Pricing is creditworthiness-driven and varies by product, with disclosed CAT averages around 71% on payroll credit. Go-to-market is direct sales-led, with customers acquired via subsidiary websites, phone/email inquiry forms, walk-in consultations at the Mexico City headquarters, and a financial-education podcast co-produced with Business Tribe. Underlying technology is not publicly disclosed; no mobile apps, APIs, or AI/ML capabilities are documented.

Cumulative reported scale includes more than 9,000 companies served, 12,000+ PyME/personal/payroll credits granted in 10 years, 24,000+ individuals covered by insurance plans, 16,700+ government employee credits as of May 2024, and MXN $381.65 million in historical financed volume. In 2023 the group completed a public securitization on the Bolsa Mexicana de Valores, obtained an 'AP' rating from HR Ratings, and closed institutional financing arrangements, marking a transition toward capital-markets-funded growth.

Name

Inventa Financial Services

Legal name

Inventa Equity Holding, S.A.P.I. de C.V.

Website

https://inventafinancial.mx

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Inventa Financial Services is a privately held Mexican SOFOM group providing leasing, factoring, credit, and insurance products to underserved SMEs, government employees, healthcare providers, and individuals through five sub-branded subsidiaries operating across Mexico.

Ownership category

akta.pro rank

Product category

Specialty Finance (Non-bank Financial Services)

NAICS

Finance and Insurance (52), Other Insurance Related Activities (52429)

SIC

Short-Term Business Credit Institutions (6153), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

akta.pro secondary industries

Invoice Financing & Factoring (FSAKAGAC), Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

Keywords

• SME financing
• Equipment leasing
• Invoice factoring
• Payroll credit
• Insurance products

Headquarters

HQ city

Miguel Hidalgo

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Leasing (Arrendamiento Puro): Pure leasing services for businesses to acquire assets (vehicles, equipment) without losing liquidity. Customers can obtain capital assets while preserving working capital through lease arrangements.
2. Factoring (Factoraje Financiero): Short-term financing through invoice factoring. Companies cede pending invoices to the financial entity to obtain immediate capital, improving cash flow without waiting for customer payment terms.
3. Credit Products: Various credit products including PyME credits, payroll credits for government employees, and personal loans. Revenue generated through interest rates and financing fees.
4. Insurance: Modern and innovative insurance plan development based on customer needs, serving individuals and businesses with tailored insurance coverage solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Inventa Financial Services is a Mexican non-bank financial group that delivers pure leasing, financial factoring, credit products (PyME, personal, and payroll), and insurance plans through five specialized sub-brands (Inventa Leasing, Inventa Finance, Inventa Insurance, Inventa Credit, and Inventa Medical). It targets SMEs, government employees, healthcare providers, and individuals with tailored financing solutions that preserve liquidity and address gaps left by traditional banks, under a SOFOM structure supervised by CNBV.

Product overview

Inventa Financial Services is a unified Mexican financial services platform comprising five specialized sub-brands operating as a SOFOM group: Inventa Leasing (pure leasing and sale & leaseback), Inventa Finance (factoring and PyME/payroll credit), Inventa Insurance (modern insurance solutions), Inventa Credit (government employee payroll credit), and Inventa Medical (hospital and healthcare provider factoring). The group has served Mexican businesses and individuals for over 10 years, with more than 9,000 empresas supported, over 12,000 credits issued, and over 24,000 individuals covered by insurance plans. All entities operate under Grupo Pideco, S.A. de C.V., SOFOM, E.N.R. and related SOFOM structures, supervised by CNBV.

Differentiator

Problem solved

Functional benefit

Products and services

• Inventa Leasing Pure leasing and sale & leaseback solutions enabling businesses to acquire assets such as vehicles and equipment without losing liquidity, supervised by CNBV under Arrendadora IL, S.A.P.I. de C.V.
• Inventa Finance Financial factoring, PyME credit, and payroll credit solutions offering businesses and individuals access to financing through expert guidance and flexible market alternatives, operated by Grupo Pideco, S.A. de C.V., SOFOM, E.N.R.
• Inventa Insurance Modern and innovative insurance plan development covering life, health, and personal risk insurance products tailored to client needs, provided through Agente de Seguros y de Fianzas, S.A. de C.V.
• Inventa Credit Payroll credit products for federal and state government employees, disbursed via salary deduction with terms of 3 to 48 months, credit amounts from $2,000 MXN, and annual interest rates from 33.6% to 42%.
• Inventa Medical Financial factoring product specifically designed for private hospitals and hospital service providers, enabling invoice payment within 24 hours and improving short-term cash flow with terms from 5 to 180 days and fixed annual interest rates from 16% to 48%.

Quantifiable outcome

• More than 9,000 companies served
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Business TribeminorGTM or Marketing PartnerCollaborative partnership for financial education podcast content. Business Tribe co-hosts 'Las finanzas no son un misterio' (Finances are not a mystery) podcast with Inventa Financial Services, targeting audiences interested in financial literacy and business topics.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Konfío: Mexican fintech lender focused on SME working-capital and credit products. Direct competitor in PyME credit and invoice-based financing with a digital-native underwriting stack.
• Kueski: Mexican fintech providing consumer and small-business credit via digital channels. Comparable as a non-bank alternative lender serving underbanked segments with rapid approval.
• Finsus: Mexican SOFOM offering payroll credit, personal loans, and savings products to similar underserved segments. Highly comparable business model, regulatory structure, and target customer.
• Covalto (formerly Consubanco): Mexican financial group historically focused on payroll-deduction lending for government employees. Closest direct peer on the payroll credit product line and SOFOM regulatory profile.

Emerging players

• Albo: Mexican fintech offering consumer credit cards, personal loans, and SMB financial products. Comparable as a digitally-native non-bank lender competing for similar underbanked customers.
• Crediclub: Mexican fintech offering consumer and small-business credit products to underserved customers. Comparable as an emerging non-bank lender in similar customer segments.
• Stori: Mexican fintech credit-card issuer serving underbanked consumers and small businesses. Comparable as a digitally-native non-bank lender pursuing similar segments with a different product form.

Broad incumbents

• Mercado Pago: Latin American fintech giant with consumer and SME credit, payments, and merchant financing in Mexico. Broader incumbent leveraging MercadoLibre distribution to compete down-market.
• Banco Compartamos: Mexican microfinance and SME lender focused on unbanked and underbanked segments. Comparable customer base and credit methodology, though much larger and listed.
• Banco Afirme: Mexican commercial bank with factoring, leasing, and SME credit products. Comparable across multiple of Inventa's product lines (leasing, factoring, PyME credit) but at much larger scale as a deposit-taking bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeopen.spotify.com/show/04O0uAP6CbfZ0HLaGir3EC?si=3e397464cbc94999

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

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 Inventa Financial Services