Financiera Independencia
Financiera Independencia is a publicly listed Mexican SOFOM that provides consumer personal loans to individual borrowers through an omnichannel network of branches, a web-based loan simulator, and a mobile application.
- Company typePublic
- Founded1993
- HeadquartersAlvaro Obregón, Mexico
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Financiera Independencia does
Financiera Independencia, S.A.B. de C.V., SOFOM, E.N.R. (trading as FISA) is a publicly listed Mexican non-bank consumer lender (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada) headquartered in the Santa Fe business district of Mexico City. The company extends personal and consumer loans to individual Mexican borrowers, with its anchor product being CrediInmediato Simple con Domiciliación, which is registered in CONDUSEF's RECA (Registro de Contratos de Adhesión) registry and features a direct-debit payment mechanism. The entity is subject to CNBV supervision solely for the purposes of Article 56 of the Ley General de Organizaciones y Actividades Auxiliares del Crédito.
Financiera Independencia firmographics
Firmographics- Name
- Financiera Independencia
- Legal name
- Financiera Independencia, S.A.B. de C.V., SOFOM, E.N.R.
- Website
- https://independencia.com.mx
- Company type
- Public
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Financiera Independencia is a publicly listed Mexican SOFOM that provides consumer personal loans to individual borrowers through an omnichannel network of branches, a web-based loan simulator, and a mobile application.
- Ownership category
- akta.pro rank
Financiera Independencia industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Consumer Lending (522291), Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
- akta.pro secondary industry
- Consumer Electronics & Appliance Financing (FSAKAFAL)
Keywords
Where Financiera Independencia is headquartered
LocationHeadquarters
- HQ city
- Alvaro Obregón
- HQ country
- Mexico
- HQ region
- Latin America
Offices1 record
Markets served
Financiera Independencia business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others
Revenue model
- Credit/Lending Products: Financiera Independencia operates as a Sociedad Financiera de Objeto Múltiple (SOFOM), generating revenue through interest income on personal and consumer loans. The company offers credit products including CrediInmediato Simple con Domiciliación, with revenue derived from interest rates and fees charged on loans extended to customers.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels1 record
Financiera Independencia product offering
Product offeringCore offering
Financiera Independencia is a Mexican multiple purpose financial company (SOFOM) that provides personal consumer loans to individual borrowers. It distributes credit products such as CrediInmediato Simple con Domiciliación through physical branches, an online loan simulator, and a mobile application, allowing customers to apply, simulate, and manage loans without leaving home.
Product overview
Financiera Independencia offers a portfolio of credit products through its digital platform. The company provides loan services including CrediInmediato Simple con Domiciliación, a product registered with CONDUSEF's RECA registry. Additional services include mobile app access, financial education resources, specialized attention units, and various payment methods. The offering functions as a multi-channel lending platform combining digital self-service tools (simulator, online application) with physical branch infrastructure.
Differentiator
Problem solved
Functional benefit
Products and services
- CrediInmediato Simple con Domiciliación
Companies that use Financiera Independencia
Customer profileSegments1 record
Ideal customer profiles1 record
Financiera Independencia technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Financiera Independencia partnerships and signals
Strategic signalRecent moves1 record
Expansion highlights3 records
Financiera Independencia competitors and assessment
Company assessmentEmerging players
- Klar: Mexican digital consumer lender providing personal credit and banking products to individuals. Same target customer (Mexican consumers) with an emerging digital-first delivery model.
- Nubank México: Branch of Brazilian neobank offering credit cards and consumer loans to underbanked Mexican customers. Comparable personal-credit product and digital onboarding against the same target market.
- Albo: Mexican digital consumer-finance/fintech offering credit products to individuals. Comparable personal-loan product and Mexican consumer target, though smaller and primarily digital rather than omnichannel.
Broad incumbents
- Banco Azteca: Large Mexican consumer-finance and retail bank that extends personal credit to mass-market consumers through Grupo Elektra. Comparable customer base and product (personal credit) but with broader banking services.
- Mercado Pago: LatAm digital payments and consumer-credit platform serving Mexican merchants and consumers with credit lines and installments. Comparable consumer credit products within a much broader payments portfolio.
Direct peers
- Credito Real: Mexican non-bank consumer and SME lender, also publicly listed (FINR13) and structured as a SOFOM. Closely comparable in business model, regulatory regime, and target market to Financiera Independencia.
- Kueski: Mexican fintech offering online personal/consumer loans to underbanked consumers. Comparable target customer (individual Mexican borrowers) and product (unsecured personal credit) via a digital-first model.
- Compartamos Banco: Mexican regulated lender focused on microfinance and consumer credit to underbanked individuals, publicly listed (COMPARC). Comparable end-customer segment and personal-loan product set.
Regional players
- Creditas: Brazilian consumer/asset-secured lender offering home, auto, and payroll loans. Comparable consumer-credit business model in a different Latin American geography.
- Provu: Brazilian fintech specializing in consumer and SMB credit to underbanked borrowers, previously known as Just. Similar product set and target customer, operating in a different LatAm geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Financiera Independencia social profiles
Digital presenceFinanciera Independencia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Financiera Independencia leadership team
Management profileNumber of profiles
Financiera Independencia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Financiera Independencia 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 Financiera Independencia
What does Financiera Independencia do?
Financiera Independencia is a Mexican multiple purpose financial company (SOFOM) that provides personal consumer loans to individual borrowers. It distributes credit products such as CrediInmediato Simple con Domiciliación through physical branches, an online loan simulator, and a mobile application, allowing customers to apply, simulate, and manage loans without leaving home.
Is Financiera Independencia a public or private company?
Financiera Independencia is a public company. It is classified as public and is currently operating.
When was Financiera Independencia founded?
Financiera Independencia was founded in 1993. It employs 1,001 to 5,000 people.
Where is Financiera Independencia based?
Financiera Independencia is headquartered in Alvaro Obregón, Mexico, in the Latin America region.
How does Financiera Independencia make money?
One revenue line is on record: credit/Lending Products.
Who are Financiera Independencia's main competitors?
Emerging players on record are Klar, Nubank México and Albo. Broad incumbents are Banco Azteca and Mercado Pago. Direct peers are Credito Real, Kueski and Compartamos Banco. Regional players are Creditas and Provu.
Does Financiera Independencia have an API?
No public API is recorded for Financiera Independencia.
What industry is Financiera Independencia in?
Financiera Independencia's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment), with a secondary code of FSAKAFAL, Consumer Electronics & Appliance Financing. Its NAICS code is 522291 and its SIC code is 6141.