What Exitus does

Exitus Capital, S.A.P.I. de C.V., SOFOM, E.N.R., is a Mexican non-bank financial intermediary founded in 2008 and headquartered in Mexico City. It provides working-capital credit, factoring, leasing, supply chain finance, fiduciary/trust services, and financial consulting primarily to small and medium enterprises (PyMEs) and non-bank financial intermediaries (IFNB) across Mexico, with an operational footprint spanning 18 Mexican states through offices in Mexico City, Monterrey, León, Guadalajara, and Miami.

Its core products are organized across several lines: (a) credit products including simple credit with terms up to 60 months, revolving accounts, and zero-rate credit; (b) factoring in domestic, international, supplier, customer, freight, and transport variants; (c) leasing via pure lease and sale-leaseback structures; (d) supply chain finance in the $50K–$5MM USD ticket range; (e) wholesale funding lines for IFNBs; (f) fiduciary/trust services; and (g) strategic financial consulting. The technology stack is modest and oriented around client onboarding and servicing: exitusfintex.com handles online client onboarding and loan applications, and exitusfintech.mirfinancial.com.mx serves as the client login portal. No proprietary AI/ML capabilities, data flywheels, or advanced underwriting automation are disclosed.

The business model combines interest income on credit balances (with disclosed CAT around 31%), transactional fees on factoring operations (with opening commissions of up to 3%), recurring monthly revenue from credit accounts, and professional-services fees from trust administration and consulting engagements. Capital is sourced through a $100M USD Goldman Sachs-led syndicated facility executed in May 2021 and a 1,000 MDP peso debt issuance completed in June 2025, the largest in the company's history. Customer access is distributed across approximately 500 SMEs via the Goldman facility, with no single named anchor customer disclosed, implying a long-tail SME and IFNB origination model led by Carlos Rahmane Sacal (Chairman) and Carlos Rahmane (CEO).

Name

Exitus

Legal name

Exitus Capital, S.A.P.I. de C.V., SOFOM, E.N.R.

Website

https://exituscapital.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

251–500 employees

Short description

Exitus Capital is a Mexican non-bank financial intermediary (SOFOM E.N.R.) founded in 2008 that provides credit, factoring, leasing, supply chain finance, and trust services to small and medium enterprises and non-bank financial intermediaries across 18 Mexican states, with offices in Mexico City, Monterrey, León, Guadalajara, and Miami.

Ownership category

akta.pro rank

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income - Credit Products: Exitus Capital generates primary revenue through interest charged on credit products including simple credit, revolving accounts, and intermediated financing. Rates vary by product: Simple Credit CAT 31.3%, Revolving Account CAT 31.1%, with variable rates on intermediated financing.
2. Factoring Commissions: Revenue from factoring services including customer factoring, supplier factoring, international factoring, and freight factoring. Commission structure includes opening commissions up to 3% and monthly fees on outstanding balances.
3. Intermediary Financing: Funding provided to non-bank financial intermediaries (IFNB) including credit unions, SOFOMES, automotive finance, and leasing companies. Revenue from interest spread and opening commissions up to 2%.
4. Lease and Sale-Leaseback: Revenue from leasing arrangements including pure lease and sale-leaseback transactions. Tax-efficient structures where rents can be treated as operating expenses. No additional guarantees required.
5. Trust Services: Fiduciary services including guarantee trusts for securing payment obligations. Authorization in 72 hours with minimum guarantee value from $1MDP.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

Exitus Capital is a Mexican SOFOM E.N.R. offering a comprehensive suite of financial solutions for SMEs and non-bank financial intermediaries. Its portfolio includes direct credit products (simple credit, zero-rate credit, revolving accounts), factoring (domestic, international, supplier, customer, freight), leasing (pure lease, sale-leaseback), supply chain finance, real estate project finance, and fiduciary trust services, delivered with tailored structuring rather than standardized terms.

Product overview

Exitus Capital is a SOFOM E.N.R. (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada) offering a comprehensive suite of financial solutions for Mexican SMEs. The product portfolio centers on four core categories: (1) Leasing products including Arrendamiento Puro and Sale & Lease Back for equipment and machinery financing; (2) Factoring solutions encompassing domestic, international, supplier, customer, and freight factoring plus Supply Chain Finance; (3) Credit products including Crédito Simple, Crédito Tasa Cero, and revolving accounts; and (4) Fiduciary and consulting services. The company positions itself as providing tailored financial solutions with speed, flexibility, and diversity, serving sectors including manufacturing, real estate, and export companies across 18 Mexican states.

Differentiator

Problem solved

Functional benefit

Products and services

• Arrendamiento Puro (Pure Lease) Pure lease financing for machinery and equipment, enabling companies to use productive assets without upfront capital expenditure while maintaining tax benefits. Targeted at Mexican SMEs needing equipment financing.
• Sale & Lease Back Sale and leaseback financing that monetizes existing productive assets, releasing short-term obligations to be covered in the long term. Designed for companies seeking liquidity from owned equipment.
• Factoraje Internacional (International Factoring) International factoring service that enables companies with foreign sales to obtain immediate liquidity through advance-financed export invoices. Available from $50,000 to $5MM USD with fees between 1% and 2% monthly USD.
• Factoraje a Proveedores (Supplier Factoring) Factoring service that supports companies in paying suppliers by facilitating accounts payable while providing suppliers with liquidity. Designed for buyer-supplier relationships needing working capital optimization.
• Factoraje Doméstico (Domestic Factoring) Domestic factoring service that provides immediate liquidity by monetizing accounts receivable in pesos to strengthen working capital. Up to 150M pesos with opening commissions up to 3%.
• Factoraje al Transporte (Freight Factoring) Freight factoring service that finances accounts receivable from transport companies, providing immediate liquidity for working capital needs. Targeted at transportation and logistics businesses.
• Factoraje a Clientes (Customer Factoring) Customer factoring service offering immediate liquidity through accounts receivable discounting with payment at expiration. Up to 150M pesos with opening commissions up to 3%.
• Supply Chain Finance Supply chain financing enabling companies to finance raw material purchases from domestic or international suppliers, improving cash flow. $50K to $5MM USD, maximum 180 days, 0% opening commission, 1-2% monthly USD rate.
• Crédito Simple (Simple Credit) Simple credit for long-term financing of working capital, machinery acquisition, and project development with terms up to 60 months. Variable rates with CAT 31.3% average without VAT.
• Crédito Tasa Cero (Zero Rate Credit) Zero interest credit providing immediate liquidity with a single opening commission (10%-12%) and fixed monthly capital payments over up to 12 months. CAT 31.3% average without VAT.
• Cuenta Corriente (Revolving Account) Revolving credit account allowing companies to dispose of available balances on a revolving basis for working capital needs. Up to 135M pesos, 12-month term, CAT 31.1% average without VAT.
• Financiamiento a Intermediarios (Intermediary Financing) Wholesale funding for non-bank financial intermediaries including credit unions, SOFOMES, automotive finance, factoring, leasing, microcredit, and payroll lenders to grow their credit portfolios. Up to 135 MDP with opening commissions up to 2% and collateral (aforo) of 1.3x to 2.0x.
• Servicios Fiduciarios (Trust Services) Fiduciary services including guarantee trusts for securing payment obligations, with formalization in maximum 72 hours. Minimum guarantee value $1MDP with indefinite duration and case-by-case pricing.
• Consultoría Financiera Estratégica (Strategic Financial Consulting) Strategic financial consulting for business institutionalization and competitive advantage, including financial diagnosis and business planning. Targeted at SMEs seeking to professionalize their finance function.
• Consultoría Especializada para Instituciones Financieras (Specialized Consulting for Financial Institutions) Specialized consulting for SOFOMES ENR and credit unions, including development of credit manuals, risk manuals, and financial projections. Targeted at non-bank financial intermediaries.
• Real Estate Financing Real estate project financing for vertical, horizontal, and mixed-use developments from mezzanine through completion phases. Targeted at mid-market real estate developers.

Quantifiable outcome

• Supports approximately 500 SMEs with funding through syndicated loan facility
• +2 more outcomes

Named customers5 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

Feature1 record

Partnerships

Three partnerships are on record, tiered minor.

• ÚNETE FoundationminorStrategic or Co-development PartnerExitus Capital partners with ÚNETE Foundation to deliver annual Media Classroom donations to rural schools in Mexico. ÚNETE provides teacher training to improve student education outcomes as part of the corporate social responsibility program.
• CONDUSEFminorOthersExitus Capital operates under CONDUSEF oversight as a regulated SOFOM E.N.R., providing consumer protection and dispute resolution for clients.
• CNBV (Comisión Nacional Bancaria y de Valores)minorOthersExitus Capital is subject to CNBV supervision for effects of Article 56 of the Ley General de Organizaciones y Actividades Auxiliares del Crédito as an unregulated SOFOM entity.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Consubanco: Consubanco is a Mexican non-bank financial institution (SOFOM) offering payroll-deduction loans, SME credit, and consumer financing. Directly comparable to Exitus in Mexican SOFOM lending, with similar product breadth and SME focus.
• Credijusto: Credijusto (now backed by/proximate to Banco Azteca) is a Mexican fintech lender focused on SME financing, a direct competitor to Exitus in Mexican SME credit with similar loan products and target segments.
• Kueski: Kueski is a Mexican online lender offering credit lines and SME financing products, competing with Exitus in Mexican SME and consumer credit. Both operate as non-bank financial intermediaries using digital onboarding and risk-based pricing.
• Konfío: Konfío is a Mexican fintech providing working capital and growth loans to SMEs, directly competing with Exitus Capital in the underbanked Mexican SME credit segment. Both target SMEs underserved by traditional banks with non-collateralized or lightly collateralized credit products.
• ABC Capital: ABC Capital is a Mexican non-bank financial services company (SOFOM) offering factoring, credit, and leasing to SMEs. Closely comparable to Exitus in product mix (factoring, leasing, working capital) and SME target segment.
• Banco Compartamos: Banco Compartamos is a leading Mexican microfinance and SME lender serving small businesses and entrepreneurs. Overlaps with Exitus's SME/microcredit focus and serves similar underbanked Mexican segments.

Emerging players

• Finvero: Finvero is a Mexican fintech lender focused on SME credit and working capital. Overlaps with Exitus's product set (credit, factoring-adjacent services) and target customer segment of Mexican SMEs.
• Alivio Capital: Alivio Capital is a Mexican fintech providing working capital financing to SMEs, often via a digital application experience. Comparable to Exitus in the Mexican SME credit segment, but with a more digital-native delivery model.

Broad incumbents

• Gentera: Gentera is the holding company for Compartamos Banco and other Mexican microfinance institutions, providing a broader portfolio of credit, savings, and insurance to underbanked Mexicans. Comparable to Exitus as a major Mexican non-bank credit provider with broader product scope.
• Mercado Crédito: Mercado Crédito is the lending arm of Mercado Pago/MercadoLibre in Mexico, offering credit to merchants and buyers on the MercadoLibre platform. A larger incumbent providing SME and consumer credit in Mexico, competing for similar underbanked customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/exituscapital_
• YouTubeyoutube.com/channel/UCJpsh19R86gHN5aPOhsMTqg
• Facebookfacebook.com/ExitusCapitalFinanciera
• LinkedInmx.linkedin.com/company/exitus-capital
• Instagraminstagram.com/exituscapital

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Exitus