Roest Empresarial

What Roest Empresarial does

Roest Empresarial is a Mexican non-bank financial institution (SOFOM) headquartered in León, Guanajuato, that provides tailored credit, leasing, and factoring products to micro, small, and medium-sized enterprises (MiPyMEs). Founded in 2005 and operating for over 20 years under its 'Sastrería Financiera' (Financial Tailoring) methodology, the company positions itself as an alternative to conventional Mexican banks, which it states reject roughly 9 out of 10 credit applicants and take up to six months to approve. Its product portfolio comprises five core offerings: Crédito Simple (single-disbursement term loans of MX$1M–MX$30M over 12–60 months), Crédito Multidisposición (revolving lines of MX$1M–MX$30M with no penalty for early repayment), Arrendamiento Puro (operating leases for machinery and medical equipment), Factoraje (accounts receivable financing in pesos and dollars on revolving lines), and Lease Back (sale-leaseback of fixed assets up to MX$30M at 60 months). Credit lines up to MX$200M are available to qualifying businesses, with pre-authorization in under 24 hours and disbursement in five business days. Technology supporting the offering includes facial recognition and biometric authentication for identity verification, GPS-based collateral monitoring on financed vehicles, and credit-bureau integration with Mexican credit information societies. Underwriting is relationship-driven, with each client assigned a dedicated financial advisor who performs a pre-measurement assessment of cash flow, collection cycles, and repayment capacity.

The business model is sales-led, generating revenue from interest income on credit balances, recurring lease rental payments, factoring transaction fees, and broker referral commissions. Distribution is hybrid: a direct sales force of financial advisors supported by a Business Partner broker program that pays commissions up to MX$250,000 per month to accountants, credit brokers, and consultants who refer SME clients. Customer acquisition is augmented by content marketing through LinkedIn, a company blog, and active presence on Facebook, Twitter, Instagram, and TikTok, with WhatsApp Business and Calendly used for bottom-of-funnel conversion. The company claims national coverage across Mexico, although its physical footprint remains anchored to a single León office. Ownership is private with no disclosed institutional investors, funding rounds, or parent company, and there are no recorded patents, certifications, or regulatory actions. The company is led by Roberto Aguilera, identified as CEO and founder, with a workforce of 11–50 employees.

Name

Roest Empresarial

Legal name

ROEST EMPRESARIAL

Website

https://roest.com.mx

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Roest Empresarial is a Mexican SOFOM that provides tailored credit, leasing, and factoring products to small and medium-sized enterprises, offering term loans, revolving lines, operating leases, accounts receivable financing, and sale-leaseback solutions under a 'Financial Tailoring' methodology.

Ownership category

akta.pro rank

Product category

Commercial Lending / SME Financing

NAICS

Finance and Insurance (52)

SIC

Finance Lessors (6172), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industry

SME Relationship Management & Advisory (Credit, Growth, Succession) (FSABABAJ)

Keywords

• SME business lending
• Equipment leasing services
• Accounts receivable factoring
• Sale-leaseback financing
• Revolving credit lines

Headquarters

HQ city

Ciudad De León

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Credit Products: Roest earns interest income on disbursed credit facilities including Crédito Simple (simple credit) and Crédito Multidisposición (revolving credit lines). Interest is calculated on outstanding balances at fixed rates during the financing period.
2. Lease Rental Payments: Revenue generated from leasing arrangements (Arrendamiento Puro and Lease Back) through periodic rental payments over the contracted term, with optional purchase at the end.
3. Factoring Fees: Factoring services allow businesses to anticipate accounts receivable resources in pesos and dollars, with fees based on the volume of receivables processed through flexible, prepayable revolving lines.
4. Business Partner Referral Commissions: Commissions paid to brokers and business partners who refer companies seeking financing, up to $250,000 pesos per month per partner.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Roest Empresarial is a Mexican SOFOM (non-bank financial institution) that provides customized financial solutions to small and medium-sized enterprises (MiPyMEs). Its portfolio includes structured term credit (Crédito Simple), revolving credit lines (Crédito Multidisposición), operating leases for productive assets (Arrendamiento Puro), sale-leaseback of fixed assets (Lease Back), and accounts receivable factoring (Factoraje) in pesos and dollars, all delivered under a proprietary 'Sastrería Financiera' (financial tailoring) assessment methodology.

Product overview

Roest Empresarial is a SOFOM (Sociedad Financiera de Objeto Múltiple) offering tailored financial products under its 'financial tailoring' philosophy. The portfolio comprises five core products: Crédito Simple (term financing for specific projects), Crédito Multidisposición (revolving credit line), Arrendamiento Puro (operating lease for machinery and medical equipment), Factoraje (accounts receivable financing), and Lease Back (sale-leaseback for fixed assets). These products share a common framework of personalized assessment, pre-authorization within 24 hours, and disposition within 5 days. An auxiliary Business Partner Program enables third-party referral commissions.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Simple Structured term financing for persons with business activity and legal entities requiring working capital for business growth, operations, and strategic expansion. Funds are disbursed in a single disposition with monthly payments adjusted to the borrower's payment capacity; amounts from $1,000,000 to $30,000,000 pesos with terms of 12, 24, 36, 48, or 60 months.
• Crédito Multidisposición Flexible revolving credit line allowing continuous disposition and reuse of funds as payments are made, ensuring constant liquidity and efficient cash flow management. Amounts from $1,000,000 to $30,000,000 pesos with fixed interest during the term, no penalty for early repayment, and line reactivation upon final payment.
• Arrendamiento Puro Operating lease financial scheme enabling the use of productive assets (machinery, medical equipment) for a determined period without initial purchase, with fixed monthly rent payments and an option to acquire the asset at end of term below market value.
• Factoraje Factoring service in pesos and dollars that allows businesses to anticipate accounts receivable resources, transforming them into immediate liquidity through a flexible revolving line based on receivables, contractual flows, and predictable future flows.
• Lease Back Sale-leaseback financing scheme that monetizes a company's fixed assets by transforming them into immediate working capital without interrupting operational use. The lessor purchases the client's asset and returns it via lease, with an option to purchase at a nominal value at end of term; up to 30 million pesos at 60 months.

Quantifiable outcome

• Pre-authorization in less than 24 hours
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Business Partners (Brokers)coreChannel Partner/ Reseller/ DistributorRoest operates a Business Partner program where accountants, financial advisors, credit brokers, and business consultants can refer clients needing financing. Partners receive commissions up to $250,000 pesos per month and are assigned a dedicated manager for client follow-up. Partners register through the company website and present businesses requiring customized credit solutions.
• Credit Information Societies (Sociedades de Información Crediticia)coreStrategic or Co-development PartnerRoest obtains credit reports and data from credit information societies to analyze potential commercial relationships and verify applicant creditworthiness. The company also updates client contact information through these entities and shares data for profiling and risk assessment purposes.
• Multiple Banking Institutions (Instituciones de Banca Múltiple)minorOthersFinancial institutions with which Roest coordinates as part of its credit operations. Data transfers occur exclusively to comply with the purposes established in the privacy notice.
• Development Banks (Instituciones de Banca de Desarrollo)minorOthersMexican development banking institutions that may receive data transfers to comply with applicable legal obligations.
• Insurance Companies (Compañías de Seguros)minorOthersInsurance partners that may receive data transfers as required for credit and leasing operations compliance.
• Notary Publics (Notarías Públicas)minorOthersNotary services utilized for formalizing credit and leasing contracts and related legal documentation.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Banco Azteca: Large Mexican commercial bank with deep retail/SME reach and consumer credit products; competes with Roest for the underbanked SME and individual-entrepreneur segment.
• Mercado Pago: Fintech platform extending working capital and merchant credit to Mexican SMBs as part of a broader payments and financial services ecosystem; competes for the same SME borrower pool at scale.

Regional players

• Kuspit: Mexican online consumer and small-business lending platform; competes for similar underbanked Mexican borrowers and represents a digital-native alternative to Roest's relationship-led model.
• Stori: Mexico-focused credit card fintech serving underbanked consumers and small entrepreneurs; a regional digital credit competitor pursuing a similar underbanked segment.

Direct peers

• Konfío: Mexican digital lender providing working capital and credit lines to small and mid-sized businesses, directly competing with Roest's Crédito Simple and Multidisposición products for the same MiPyME customer base.
• Covalen (formerly Credijusto): Mexican fintech/SOFOM offering credit, leasing, and factoring to SMEs, overlapping directly with Roest's full product suite of term loans, leasing, and factoring.

Others

• NAFIN (Nacional Financiera): Mexican development bank that provides guarantees, second-floor credit, and SME financing programs, competing indirectly with Roest in the same SME niche and a potential funding or guarantee partner.
• Buró de Crédito: Mexican credit bureau that Roest already uses as a 'Sociedad de Información Crediticia' partner; an ecosystem enabler whose data and scoring services directly shape Roest's underwriting.

Emerging players

• Albo: Mexican fintech building a multi-product financial super-app including credit, payments, and deposits; an emerging competitor in the digital SME credit space.
• Kueski: Mexican online lender focused on consumer and small-business credit; competes for similar underbanked borrowers in Mexico and is scaling its SME offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/roestemp
• Facebookfacebook.com/RoestEmpresarial
• LinkedInlinkedin.com/company/roest-empresarial
• Instagraminstagram.com/roestempresarial
• TikToktiktok.com/@roestempresarial

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 Roest Empresarial