Pymes Capital
Pymes Capital is a Mexico-focused fintech that provides Merchant Cash Advance financing to SMBs via an automated, SAT- and POS-data-driven online platform, with advances up to $1,000,000 MXN and pay-as-you-grow repayment tied to weekly card sales.
- Company typePrivate
- Founded-
- HeadquartersMexico City, Mexico
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Pymes Capital does
Pymes Capital is a Mexico-focused fintech that provides Merchant Cash Advance (MCA) financing to small and medium-sized businesses, with Pymes Capital Inc. incorporated in Florida and primary operations in Mexico City. Its core product is an online, self-serve MCA where a business receives a lump-sum advance and repays it as a fixed percentage (commonly 20%) of weekly credit/debit card sales, with advances capped at $1,000,000 MXN and eligibility requiring at least 6 months of operating history and 25,000+ MXN in monthly POS sales. The technology stack is centered on a proprietary risk assessment engine that ingests real-time data from the SAT (Mexican Tax Administration Service) via parent CRiskCo's API and from four integrated POS providers (Senor Pago, ToditoPay, Zettle, Zumapagos), enabling automated approval and funding within 24 hours without impacting bureau scores.
The business model is a transaction-based take rate: Pymes Capital prices financing as an 18-20% advance fee rather than traditional interest, positioning itself as a cheaper and faster alternative to Mexican bank loans, factoring, and credit cards. Go-to-market is product-led growth through a fully digital funnel (app.pymescapital.com), with Facebook ads and a content-marketing blog driving top-of-funnel traffic and WhatsApp supporting mid-funnel inquiries. The customer base is horizontal SMBs across retail, F&B, tech, and healthcare, with repeat-customer behavior documented in testimonials. The company operates as part of CRiskCo Group under shared CEO Erez Saf, with affiliated data-sharing arrangements but no disclosed external venture capital or institutional investors.
Pymes Capital firmographics
Firmographics- Name
- Pymes Capital
- Legal name
- Pymes Capital Inc.
- Website
- https://pymescapital.com.mx
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Pymes Capital is a Mexico-focused fintech that provides Merchant Cash Advance financing to SMBs via an automated, SAT- and POS-data-driven online platform, with advances up to $1,000,000 MXN and pay-as-you-grow repayment tied to weekly card sales.
- Ownership category
- akta.pro rank
Pymes Capital industry classification
Industry- Product category
- Alternative SME Lending
- NAICS
- Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Pymes Capital is headquartered
LocationHeadquarters
- HQ city
- Mexico City
- HQ country
- Mexico
- HQ region
- Latin America
Offices2 records
Markets served
Pymes Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Merchant Cash Advance Revenue Share: Pymes Capital provides upfront financing to businesses and collects repayment as a percentage of future credit/debit card sales on a weekly basis until the financed amount plus fees are paid in full. The 20% revenue share model means businesses pay back based on their actual sales performance, creating a pay-as-you-grow dynamic.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advance with 20% revenue share |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels7 records
Pymes Capital product offering
Product offeringCore offering
Pymes Capital provides Merchant Cash Advance (MCA) financing to small and medium-sized businesses in Mexico. Approved applicants receive an upfront lump sum that is repaid through a percentage of their future credit and debit card sales collected weekly via integrated POS providers. Underwriting is automated using SAT tax-authority invoice data and POS transaction history, enabling funding within 24 hours for amounts up to twice the average monthly sales, capped at $1,000,000 MXN.
Product overview
Pymes Capital operates as a Merchant Cash Advance (MCA) financing provider specializing in alternative lending for small and medium-sized businesses in Mexico. The company's core product is its MCA financing service, delivered through an online application platform that integrates with POS providers (Senor Pago, Todito Pay, Zettle, Zumapagos) and the SAT tax authority API via CRiskCo. The platform features a pay-as-you-grow payment model where repayments are automatically deducted as a percentage of sales, and includes credit bureau integration for risk assessment. Pymes Capital positions itself as a faster, more accessible alternative to traditional bank loans and factoring services.
Differentiator
Problem solved
Functional benefit
Products and services
- Merchant Cash Advance (MCA) Financing
Quantifiable outcome
- 300% Inventory Growth
- +3 more outcomes
Companies that use Pymes Capital
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles1 record
Pymes Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Pymes Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CRiskCo GroupcorePymes Capital is part of CRiskCo Group, a leading financial technology company. CRiskCo provides the SAT API technology used for secure access to business financial data and powers the risk assessment infrastructure for MCA financing decisions. Pymes Capital leverages CRiskCo's expertise in SMB financing processes.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Pymes Capital competitors and assessment
Company assessmentMarket position
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Pymes Capital social profiles
Digital presencePymes Capital compliance and trust
Trust signalCompliance1 record
Pymes Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pymes Capital leadership team
Management profileNumber of profiles
Profiles1 record
Pymes Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pymes Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pymes Capital
What does Pymes Capital do?
Pymes Capital provides Merchant Cash Advance (MCA) financing to small and medium-sized businesses in Mexico. Approved applicants receive an upfront lump sum that is repaid through a percentage of their future credit and debit card sales collected weekly via integrated POS providers. Underwriting is automated using SAT tax-authority invoice data and POS transaction history, enabling funding within 24 hours for amounts up to twice the average monthly sales, capped at $1,000,000 MXN.
Is Pymes Capital a public or private company?
Pymes Capital is a private company. It is classified as corporate owned and is currently operating.
When was Pymes Capital founded?
Pymes Capital was founded in -1. It employs 11 to 50 people.
Where is Pymes Capital based?
Pymes Capital is headquartered in Mexico City, Mexico, in the Latin America region.
How does Pymes Capital make money?
One revenue line is on record: merchant Cash Advance Revenue Share.
Does Pymes Capital have an API?
Yes. Pymes Capital provides an API that connects to the SAT (Mexican Tax Administration Service) via CRiskCo's SAT API to access business invoices and company information. The terms of service reference that tools and services are provided through their application programming interface (API) made available via the Site. Developer documentation is at criskco.com.mx.
What industry is Pymes Capital in?
Pymes Capital's product category is Alternative SME Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52222 and its SIC code is 6159.