Hipotecaria Metrocredit

What Hipotecaria Metrocredit does

Hipotecaria Metrocredit is a privately held Panamanian non-bank financial institution, founded approximately 1993, that originates and services mortgage, personal, and commercial loans through a physical branch network of 15 locations spanning 7 provinces. Its core products include Hipotecario (mortgage loans secured by residential or commercial property for purposes such as remodeling, education, or new ventures), Pr\u00e9stamos Personales (personal loans targeted at public sector employees in health, education, police, and civil aviation, plus retirees and pensioners, requiring only identification and a payment stub), Pr\u00e9stamos Comerciales (business loans for payroll, equipment, or renovations), and Bienes Repose\u00eddos (sales of repossessed houses, lots, and apartments acquired through default). The company also offers a dedicated SME mortgage product and mortgage advisory services across all branches.

The company generates revenue primarily through interest income on its loan portfolio, with a secondary transaction-based stream from selling repossessed properties. Pricing is quote-based and not publicly disclosed; all loans require individual consultation through a branch, the centralized call center (800-6065), a dedicated WhatsApp contact per branch, or an online 'Cotiza Ya' form. Marketing and customer engagement are dominated by direct sales through the branch network rather than digital channels, and the company reports over 90% customer satisfaction with more than half of customers returning for additional services. No technology stack, AI/ML capabilities, funding rounds, M&A activity, or disclosed financials are present in the source data; the company operates under Panamanian financial regulatory oversight and maintains a published risk rating (Calificaci\u00f3n de Riesgo).

Name

Hipotecaria Metrocredit

Legal name

Hipotecaria Metrocredit

Website

https://metrocreditpanama.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Hipotecaria Metrocredit is a privately held Panamanian non-bank lender founded around 1993, offering mortgage, personal, and commercial loans plus repossessed-property sales through 15 branches across 7 provinces, serving individuals, public sector employees, retirees, and SMEs.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222), Consumer Lending (522291)

SIC

Personal Credit Institutions (6141)

akta.pro industry

PRIMARYFSALAEAA

Prime (Agency/Conforming) Mortgage Servicing

Financial & Insurance/Mortgage & Housing Finance/Mortgage Servicing & Subservicing

SECONDARYFSAKAGAA

Microloans & Working Capital Loans

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Mortgage lending
• Personal loans
• Commercial lending
• Consumer finance
• Repossessed property sales

Headquarters

HQ city

Ciudad De Panamá

HQ country

Panama

HQ region

Latin America

Offices15 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending: The company generates revenue primarily through interest income on mortgage loans secured by real estate (homes, land, apartments). Customers can use their property as collateral to fund remodeling, education, or business ventures.
2. Personal Loans: Personal loans offered to public sector employees (health, education, police, civil aviation), retirees, and pension holders. Revenue generated through interest on these consumer loans.
3. Commercial Loans: Business loans for SMEs to cover payroll, purchase equipment, or fund renovations. Interest income forms the primary revenue stream.
4. Repossessed Property Sales: The company sells repossessed properties (houses, lots, apartments) acquired through default, generating transaction-based revenue from property sales.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Hipotecaria Metrocredit is a Panamanian financial institution that lends money secured by residential and commercial real estate (mortgage loans), provides personal loans to public sector employees and retirees with minimal documentation, and extends commercial loans to SMEs. In addition, the company sells repossessed properties (houses, lots, apartments) acquired through loan defaults. All services are delivered through 15 branches across 7 provinces, supported by a call center and WhatsApp channels.

Product overview

Hipotecaria Metrocredit is a Panamanian financial services company offering a unified mortgage lending platform. The core products include Hipotecario (mortgage loans using property as collateral), Préstamos Personales (personal loans for public sector employees and retirees), and Préstamos Comerciales (commercial loans for businesses). The company also sells Bienes Reposeídos (repossessed properties). Services are delivered through 15 branches nationwide with personalized advisory and quick processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Préstamos Hipotecarios (Mortgage Loans) Mortgage loans secured by residential or commercial real estate (houses, farms, apartments). Customers can use their property as collateral to fund remodeling projects, education, or new ventures. Offered across all 15 branches in 7 provinces of Panama.
• Préstamos Personales (Personal Loans) Personal loans for public sector employees (health, education, police, civil aviation), retirees, and pensioners, requiring only identification and a payment stub. Used for vacation plans, studies, or future projects, with payroll deduction repayment available for public employees and special discounts for retirees.
• Préstamos Comerciales (Commercial Loans) Commercial loans for businesses to cover payroll, purchase supplies or equipment, or renovate business premises. Targeted at small and medium enterprises (PYMEs) operating across Panama.
• Bienes Reposeídos (Repossessed Properties) Repossessed properties — houses, lots, and apartments — acquired through loan defaults and sold to buyers, generating transaction-based revenue for the company.

Quantifiable outcome

• Over 90% of customers are fully satisfied with the service
• +1 more outcomes

Named customers2 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

Partnerships

One partnership is on record.

• Regulatory/Government Oversight BodiescoreOthersAs a financial institution in Panama, Hipotecaria Metrocredit operates under regulatory oversight. The company references risk ratings (Calificación de Riesgo), indicating third-party evaluation of their creditworthiness and ability to meet contractual obligations.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Regional players

• Banco de América Central (BAC): Central American banking group with operations in Panama offering mortgage and consumer finance. Comparable as a regional mortgage lender with overlapping customer segments and product set in Panama.
• Davivienda Panama: Panamanian subsidiary of Colombian bank Davivienda, active in mortgage and consumer lending. Comparable as a mortgage lender with regional parent backing, competing for the same Panamanian retail credit segments.

Broad incumbents

• Banistmo: Panamanian commercial bank part of a larger regional group, offering mortgage and consumer lending products. Comparable in product mix and customer overlap, though operating as part of a broader banking franchise.
• Banco General: One of Panama's largest private banks with a substantial mortgage and consumer loan portfolio. Comparable as a major lender in the same segments, though at significantly larger scale and broader product depth.
• Multibank: Panamanian universal bank offering mortgage, personal, and commercial loans across the country. Comparable as a multi-product lender operating in the same segments (mortgage, personal, SME) with broader scale and a more diversified balance sheet.
• BAC Credomatic Panama: Regional Central American banking group with significant Panamanian mortgage and consumer finance operations. Comparable due to overlapping mortgage and personal loan products targeting similar demographics in Panama.
• Scotiabank Panama: Canadian bank's Panamanian subsidiary with broad mortgage, personal, and commercial lending operations. Comparable in mortgage product offering and consumer credit targeting, with deeper balance sheet and digital capabilities.

Direct peers

• Caja de Ahorros de Panamá: Panamanian savings institution with a long branch history and active mortgage, personal, and SME lending book. Comparable due to similar branch-driven distribution and overlapping product portfolio in the same domestic market.
• Global Bank Panama: Panamanian commercial bank with active mortgage and consumer lending operations. Comparable as a domestic lender competing for the same mortgage and personal loan customers across Panama's branch network.
• Banco Hipotecario Nacional (BHN): Panama's state-owned mortgage bank focused on residential mortgage origination and housing finance. Directly comparable to Hipotecaria Metrocredit as a mortgage lender serving Panamanian consumers, though with a stronger institutional/government-backed positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/metropanama
• LinkedInlinkedin.com/company/hipotecaria-metrocredit-s-a-

Revenue estimate

Valuation estimate

Number of profiles

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 Hipotecaria Metrocredit