MFM - Master Financial Management

Name

MFM - Master Financial Management

Legal name

CAPITALTECH FINANCIAL, S.A.P.I. DE C.V., SOFOM, E.N.R.

Website

https://mfm.com.mx

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

CapitalTech is a Mexican SOFOM providing short-term liquidity, factoring, and multi-currency credit lines to small and medium enterprises through a 100% digital platform, with international factoring delivered in partnership with Mundi.

Ownership category

akta.pro rank

Product category

Commercial Lending / SME Financing

NAICS

Nondepository Credit Intermediation (5222), International, Secondary Market, and All Other Nondepository Credit Intermediation (522299), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Trade Finance & Supply Chain Finance Platforms (FSAGAJAL)

akta.pro secondary industries

SME Lending & Working Capital Platforms (FSAGAJAA), Supply Chain Finance (Approved Payables / Reverse Factoring) (FSABAHAC), Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

Keywords

• Factoring services
• Multi-currency credit lines
• SME working capital
• International trade finance
• Commercial lending

Headquarters

HQ city

Garza García

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. Factoring Services: Revenue generated from converting export receivables into cash. Offers 100% financing of invoices with terms from 8 to 120 days. Digital process with 0% opening commission.
2. Multi-currency Credit Lines (OPM®): Interest-bearing credit facilities in multiple currencies (USD, pesos) with options for same-day payment, guaranteed credit, and currency hedging.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

MFM (operating as CapitalTech) provides short-term liquidity and financing solutions to Mexican small and medium enterprises (PYMEs) through domestic and international factoring and a suite of OPM® multi-currency credit lines (Garantizado, Cero, Multidivisa, Unidivisa). Services include 100% invoice financing with 8 to 120-day terms, same-day liquidity, multi-currency disbursement in 30 minutes, and exchange-rate hedging. All operations are conducted digitally, with international factoring delivered in partnership with Mundi for exporters.

Product overview

CapitalTech offers a unified financial services platform for Mexican SMEs, centered on two core product families: factoring (domestic and international) and OPM credit lines. The OPM credit line family comprises four variants (OPM Garantizado, OPM Cero, OPM Multidivisa, OPM Unidivisa) differentiated by currency handling and settlement terms. The company also provides international factoring through a Mundi partnership and CapitalTrade for international commerce advisory. All services operate through a 100% digital process.

Differentiator

Problem solved

Functional benefit

Brands

• OPM®: Lineas de Crédito multidivisa and unidivisa product lines, including OPM Garantizado, OPM Cero, OPM Multidivisa, and OPM Unidivisa.
• Factoraje
• CapitalTrade

Products and services

• Factoraje (Domestic Factoring) Domestic factoring service that converts accounts receivable into immediate liquidity for Mexican SMEs, financing 100% of the invoice in pesos or dollars with terms from 8 to 120 days, 0% opening commission, and a 100% digital process.
• Factoraje Internacional (International Factoring) International factoring service for Mexican exporters, delivered in partnership with Mundi, that converts export invoices into cash with up to 90% advance within 24 hours through a 100% digital process.
• Línea de Crédito OPM Garantizado Guaranteed multi-currency credit line offering rapid liquidity access in different currencies within 30 minutes, with collateral requirements, for Mexican SMEs.
• Línea de Crédito OPM Cero Same-day multi-currency credit line providing immediate funds with payment due within the same business day for Mexican SMEs.
• Línea de Crédito OPM Multidivisa Multi-currency credit line that enables liquidity access in different currencies within 30 minutes, allowing the client to lock in the exchange rate at the time of the operation and pay in the preferred currency.
• Línea de Crédito OPM Unidivisa Single-currency credit line that secures the exchange rate at the time of the operation, with disbursement and repayment in the same currency for Mexican SMEs.
• CapitalTrade International trade and financial advisory service providing liquidity for global market participation along with international trade financial guidance for Mexican businesses.

Quantifiable outcome

• 90% advance on export invoices within 24 hours
• +3 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• MundicoreTechnology or IntegrationCapitalTech partners with Mundi to provide international factoring services for exporters. The partnership enables conversion of export invoices into cash with up to 90% advance.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Konfío: Mexican B2B fintech providing working-capital loans and credit lines to PYMEs and SMBs; competes directly with CapitalTech's OPM® credit lines targeting similar SME liquidity needs.
• Clara: Mexican corporate-card and spend-management fintech for businesses; competes with CapitalTech for SME working-capital wallet share with a digital-first credit product.
• Kapital: Mexican business-banking and working-capital platform for SMEs; directly comparable offering of digital credit lines and treasury tools to CapitalTech's OPM® suite.
• Mundi: International trade-finance platform partnering with CapitalTech for international factoring; a direct competitor in Mexican cross-border factoring for exporters.
• Credijusto: Mexican fintech lender providing working-capital loans and factoring to SMEs; directly comparable in product mix (credit + receivables financing) to CapitalTech.

Emerging players

• Kueski Pay: BNPL/credit fintech for Mexican SMEs and consumers; overlaps with CapitalTech in providing short-term credit and liquidity to Mexican businesses via digital channels.
• Stori: Mexican digital credit card issuer expanding into SME segments; competes for the same Mexican SME/consumer digital credit demand that CapitalTech serves.
• Albo: Mexican challenger bank/neobank offering multi-currency accounts and credit; overlaps with CapitalTech on multi-currency liquidity and SME digital banking needs.

Broad incumbents

• Banco Azteca: Large Mexican commercial bank serving retail and SME segments; competes with CapitalTech's factoring and credit lines for the same PYME liquidity demand at greater scale.

Regional players

• Banregio: Monterrey-based commercial bank ('regiomontana') in the same home market as CapitalTech; competes for SME credit and treasury business in northern Mexico.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/MFMFinancial
• Facebookfacebook.com/MFMFinancial
• LinkedInlinkedin.com/company/mfmopm

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors1 record

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 MFM - Master Financial Management