CAPEM (Grupo Capital Empresarial)

What CAPEM (Grupo Capital Empresarial) does

CAPEM (Grupo Capital Empresarial), legally GRUPO OLINX, S.A.P.I. DE C.V., SOFOM E.N.R., is a Mexican private financial services company headquartered in Guadalajara, Jalisco, founded in 2014 and operating nationwide. The company targets small and medium-sized enterprises (PyMEs) across industrial, commercial, real estate, financial, agribusiness, and medical sectors, offering them three core product lines: Crédito (working capital, investment project, real estate, and institutional funding loans ranging from MXN 1.5 to 25 million over 12-60 month terms), Arrendamiento (equipment and machinery leasing), and Smart Money (administrative and financial advisory). The subsidiary structure also includes Asymmetric Capital, launched in 2024 to expand capital-operations activity.

The business is not built on a proprietary technology platform; rather, it is a relationship-driven, sales-led SOFOM that distributes through a dedicated advisor network supported by website forms (including Typeform-based inquiry portals for credit and Smart Money), social media, email, and a podcast. Revenue is generated primarily through interest income on the originated credit book, recurring lease payments on equipment, and professional-services fees from advisory engagements; placements have grown from over 5,000 MDP in 2023 to over 6,000 MDP in cumulative disbursements by 2024.

Operationally, CAPEM has scaled by combining traditional relationship banking with structural enhancements: a SOFOM license, counterparty risk rating, a master trust (fideicomiso maestro), private debt issuance, and access to development bank financing. The regulatory perimeter includes listings with Buró de Entidades Financieras, CONDUSEF, and CNBV, alongside compliance with Mexico's LFPDPPP for personal data handling. Industry association memberships (AMEXCAP, ALLMX, ASOFOM) and an active careers portal round out a profile of a regulated, distributed SME financier in growth mode rather than a tech-forward fintech.

Name

CAPEM (Grupo Capital Empresarial)

Legal name

GRUPO OLINX, S.A.P.I. DE C.V., SOFOM, E.N.R.

Website

https://grupocapem.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

CAPEM is a Mexico-based, privately held SOFOM founded in 2014 that provides credit (MXN 1.5-25M), equipment leasing, and financial advisory services to small and medium-sized enterprises nationwide.

Ownership category

akta.pro rank

Product category

SME Financial Services (Mexico)

NAICS

Sales Financing (52222), Commercial Banking (522110), Finance and Insurance (52)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

akta.pro secondary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

Keywords

• SME lending services
• Equipment leasing
• Working capital financing
• Financial advisory services
• Credit facilities

Headquarters

HQ city

Guadalajara

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit/Financing: CAPEM provides credit facilities to SMEs ranging from $1.5 to 25 million Mexican pesos with terms from 12 to 60 months. Revenue is generated through interest income on loans provided for capital working, inventory financing, investment projects, real estate projects, and institutional SME financing.
2. Leasing/Arrendamiento: Equipment and machinery leasing services generating recurring revenue through lease payments. Covers industrial machinery, transportation (tractocamiones, utility vehicles), and medical equipment (X-rays, MRI).
3. Smart Money Advisory Services: Financial and administrative advisory services including specialized consulting, work planning with goals and objectives, financial advice, business model innovation and development, and strategic alliance development.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

CAPEM is a Mexican SOFOM (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada) that provides credit, equipment leasing, and financial advisory services to small and medium-sized enterprises. It offers credits ranging from MXN 1.5 to 25 million over 12 to 60 month terms, leasing for industrial machinery, transportation, and medical equipment, and strategic financial and administrative advisory through its Smart Money service. The firm tailors each engagement through dedicated advisors who accompany SME clients across working capital, investment projects, real estate development, and institutional funding needs.

Product overview

CAPEM is a Mexican financial services company (Grupo OLINX, S.A.P.I. de C.V., SOFOM E.N.R.) founded in 2014 offering a platform of SME financing solutions organized around three core products: Crédito (credit/lending), Arrendamiento (leasing), and Smart Money (advisory). The Crédito product serves as the primary offering with sub-products covering working capital, investment projects, real estate development, and institutional funding. The Arrendamiento product provides equipment and machinery leasing for industrial, transportation, and medical equipment needs. Smart Money delivers financial intelligence and advisory services as an add-on module. Together, these products enable CAPEM to provide comprehensive financial support to SMEs across industrial, commercial, real estate, financial, and agribusiness sectors with credit ranges from $1.5 to 25 million MXN over 12-60 month terms.

Differentiator

Problem solved

Functional benefit

Brands

• Smart Money: Administrative and financial advisory services for SMEs including specialized consulting, strategic planning, financial advice, innovation and business model development, and strategic alliance development.

Products and services

• Crédito (SME Credit) Financial lending product offering credits from MXN 1.5 to 25 million with terms from 12 to 60 months. Supports working capital, capital de trabajo permanente, investment projects, real estate development, and institutional SME funding across industrial, commercial, real estate, financial, and agribusiness sectors.
• Arrendamiento (Equipment Leasing) Equipment and machinery leasing service enabling SMEs to acquire industrial machinery, transportation equipment (tractocamiones, utility vehicles), and medical equipment (X-ray, MRI) without decapitalizing their businesses. Generates recurring lease payments.
• Smart Money (Financial and Administrative Advisory) Financial and administrative intelligence advisory service providing specialized consulting, strategic planning with goals and objectives, financial advice, business model innovation and development, and strategic alliance creation for SMEs.
• Asymmetric Capital Capital operations entity launched in 2024 as part of CAPEM's expansion into asymmetric financial opportunities for SMEs.

Quantifiable outcome

• Over 5,000 MDP placed in 2023
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Three partnerships are on record, tiered minor.

• AMEXCAP (Asociación Mexicana de Capital Privado)minorOthersCAPEM is a member of AMEXCAP, the Mexican Private Capital Association, which supports the development of private capital in Mexico. This membership provides network access and credibility within the Mexican investment and financing ecosystem.
• ALLMX (Asociación de Instituciones de Financiamiento para la Economía Social y Solidaria)minorOthersCAPEM holds membership in ALLMX, an association of financing institutions supporting social and solidarity economy in Mexico. This affiliation connects CAPEM with institutions focused on inclusive financing.
• ASOFOM (Asociación de Sociedades Financieras de Objeto Múltiple)minorOthersCAPEM is a member of ASOFOM, the association of Multiple Purpose Financial Companies (SOFOMs) in Mexico. As a SOFOM regulated entity, this membership provides regulatory alignment and industry representation.

Scale indicators5 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Stori: Mexican fintech offering credit cards and credit products to underbanked consumers and small businesses. Comparable in serving thin-file borrowers in Mexico with digital credit products.
• Konfío: Mexico's leading digital lender to SMEs, providing working capital and growth credit to PyMEs. Most directly comparable to CAPEM's Crédito product in target customer (Mexican SMEs) and product type (unsecured/semi-secured SME credit).
• Higo: Mexico-based B2B payments and embedded credit platform for SMEs, offering working capital and supplier financing. Comparable in product (SME working capital) and customer (Mexican PyMEs), with a more digital/embedded distribution model.
• Kueski: Mexican fintech providing online credit to consumers and small businesses. Comparable in Mexican market focus and digital origination, with partial overlap in SME credit products.
• Credijusto (Arcus): Mexican fintech providing credit and leasing to SMEs, including equipment financing. Directly comparable to CAPEM's combined credit + Arrendamiento offering for the Mexican PyME segment.

Broad incumbents

• Banco Compartamos: Largest microfinance institution in Mexico serving small entrepreneurs and SMEs with credit and financial services. Comparable in serving underbanked Mexican small businesses, though at a smaller ticket size and broader scale.
• Mercado Pago: MercadoLibre's fintech arm providing payments, credit, and working capital solutions to SMBs across Latin America. Comparable in offering SMB credit and financial services in Mexico, with vastly larger scale.

Emerging players

• Albo: Mexican digital consumer/SME neobank offering credit products and accounts. Comparable in Mexican market focus and digital-first credit distribution to individuals and small businesses.
• Klar: Mexican digital consumer and small business banking/credit provider. Comparable in serving underbanked Mexican customers with digital credit and account products, with partial SME overlap.
• Diri: Mexican digital lending platform providing credit lines to SMEs and individuals. Comparable target segment (Mexican SMEs/underbanked) and product type, with a more technology-led underwriting approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/grupocapem
• Facebookfacebook.com/grupocapem

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CAPEM (Grupo Capital Empresarial)