Pacto

What Pacto does

Financiera Pacto (operating commercially as Pacto) is a Mexican non-bank financial institution structured as a SOFOM E.N.R. (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada) under two legal entities — Servicios Pacto S.A. de C.V. and Corporación Pacto S.A. de C.V. The company originates salary-backed consumer loans to employees of affiliated private- and public-sector employers in Mexico, with ticket sizes starting at approximately $2,000 MXN and terms ranging from six months to three years. Its distribution model is built entirely around employer collaboration agreements (convenios de colaboración): Financiera Pacto signs B2B partnerships with employers, employees of those employers apply for credit, funds are disbursed through a banking institution within 48–72 hours, and repayments are collected via automatic payroll deductions. The company does not perform credit bureau inquiries as part of underwriting, relying instead on employer payroll verification and individualized daily interest rate pricing reflected in a personalized amortization schedule. Core products are branded as CrediPacto (general credit product) and PactoNómina (payroll-based loan).

Operationally, Pacto is headquartered in Morelia, Michoacán, employs 11–50 people, and reports more than 60 affiliated employer partners across private and public sectors. The company is registered with CONDUSEF (Mexico's financial consumer protection agency) and supervised by the CNBV for purposes of Article 50 of the Ley General de Organizaciones y Actividades Auxiliares del Crédito; it was ranked 2nd among financial entities in CONDUSEF's 2022 evaluation, a credential prominently featured in its marketing. No proprietary technology platform, mobile application, API, or AI/ML capability is disclosed — the offering is a relationship-driven, convenio-led lending operation supplemented by a basic website with a loan calculator and corporate social media presence. No funding rounds, institutional investors, M&A activity, or geographic expansion beyond the Michoacán region are documented in the available data. Revenue is generated primarily from interest income on the payroll loan book, with terms and pricing individualized to each borrower's credit capacity.

Name

Pacto

Legal name

Servicios Pacto S.A. de C.V., SOFOM, E.N.R.

Website

https://financierapacto.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Financiera Pacto is a Mexican SOFOM E.N.R. that originates salary-backed consumer loans (CrediPacto, PactoNómina) to employees of affiliated private- and public-sector employers via payroll-deduction convenios, primarily operating in Morelia, Michoacán.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Sales Financing (522220)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Employer-Sponsored / Payroll-Linked Personal Loans (Unsecured Installment) (FSAKAAAM)

akta.pro secondary industry

Salary-Backed / Payroll-Deducted Secured Loans (FSAKALAI)

Keywords

• Payroll lending
• Salary-backed credit
• Consumer lending
• Non-bank financial services
• Employer affiliation loans

Headquarters

HQ city

Morelia

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Payroll Loans / CrediPacto: The company provides salary-backed credit (crédito vía nómina) to employees of affiliated companies in both the private and public sectors. Loans are repaid via payroll deductions through employer convenios. Revenue is generated from interest income on issued loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Financiera Pacto issues payroll-backed consumer credit (CrediPacto and PactoNómina) to employees of affiliated private- and public-sector companies in Mexico, ranging from $2,000 MXN with terms of 6 months to 3 years, no credit bureau inquiry, daily interest rates, 48–72 hour disbursement via banking partners, and repayment through salary deduction. The company also provides financial education content and compliance services registered with CONDUSEF.

Product overview

Financiera Pacto is a Mexican SOFOM (Sociedad Financiera de Objeto Multiple, Entidad No Regulada) that operates as a financial services company offering credit products to employees of affiliated private and public sector companies through a payroll deduction (nomina) model. Its core products are CrediPacto and PactoNomina, both providing credit disbursed via banking institutions with repayment through salary deductions managed through employer convenios (collaboration agreements). The company operates primarily in the state of Morelia, Michoacan, and was ranked 2nd by CONDUSEF in 2022.

Differentiator

Problem solved

Functional benefit

Brands

• CrediPacto: Credit product offered by Financiera Pacto for employees of affiliated companies
• PactoNómina

Products and services

• CrediPacto Payroll-backed credit product offered by Financiera Pacto to employees of affiliated private- and public-sector companies. Features include repayment via payroll deduction (descuento vía nómina), no credit bureau inquiry required, loan amounts starting from $2,000 MXN, terms of 6 months to 3 years, and disbursement within 48–72 hours through a banking institution.
• PactoNómina Payroll-based credit product that allows employees of companies affiliated via convenio with Financiera Pacto to access credit with repayments deducted directly from their salary. Operates as part of the convenio model where Pacto partners with employers to provide credit to their workforce.
• Convenios de Colaboración (Employer Affiliation) Collaboration agreements (convenios) signed by Financiera Pacto with employers in the private sector (empresas privadas) and public sector (instituciones del sector público) to enable employee access to payroll loans. The employer facilitates enrollment and repayment via payroll deduction; there are no upfront costs to the employer for affiliation.

Quantifiable outcome

• 2nd place ranking by CONDUSEF in 2022 — demonstrates high consumer protection compliance and service quality.
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Empresas del Sector Privado afiliadascoreChannel Partner/ Reseller/ DistributorFinanciera Pacto signs collaboration agreements (convenios de colaboración) with private sector employers. Employees of affiliated companies access payroll loans through their employer, with loan repayments collected via salary deduction.
• Instituciones del Sector Público afiliadascoreChannel Partner/ Reseller/ DistributorFinanciera Pacto signs collaboration agreements with government institutions to offer payroll loans to public sector employees. Repayments are collected via payroll deduction and funds disbursed via banking institution.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Covalto (formerly Consubanco): Established Mexican consumer and SME finance institution with payroll-deduction lending among its broader product portfolio, operating nationally with greater scale and a regulated status.
• Mercado Crédito: Consumer credit arm of Mercado Pago in Mexico, leveraging Mercado Libre's ecosystem to extend personal loans and BNPL to Mexican consumers, including salaried workers.
• Nu México (Nubank): Digital-first Mexican consumer bank backed by Nubank, offering personal credit and revolving products to underbanked Mexican consumers. Indirect competitor for the same customer wallet.
• Banco Azteca: Major Mexican commercial bank with a long-standing payroll loan (Crédito de Nómina) product aimed at employees of affiliated employers, competing in the same customer segment at significantly greater scale.

Emerging players

• Klar: Mexican neobank offering consumer credit products and deposit accounts to salaried employees, competing for the same payroll-linked customer base through a digital-only experience.
• Yotepresto: Mexican P2P lending platform extending consumer credit to salaried borrowers, overlapping with Pacto on the underbanked Mexican employee segment via a different funding and origination model.
• Stori: Mexican fintech issuing credit cards to underbanked workers, targeting the same employee segment as Pacto via digital onboarding rather than employer convenios.

Direct peers

• Kueski: Mexican online consumer lender offering personal loans and BNPL to underbanked Mexican consumers, including payroll-linked products. Closely comparable on customer segment and underwriting approach.
• Alivio Capital: Mexican fintech that provides payroll-deducted loans to employees of affiliated companies, operating a near-identical convenio-based distribution model in Mexico.

Regional players

• Provu: Brazilian fintech specializing in payroll-deducted consumer loans via employer partnerships, structurally analogous to Pacto's modelo de convenios but operating in Brazil rather than Mexico.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xinstagram.com/financierapacto
• Facebookfacebook.com/financierpacto
• LinkedInlinkedin.com/company/financierapacto

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 Pacto