CREDITARIA - DIGITAL

What CREDITARIA - DIGITAL does

Creditaria Digital (legal entity: Acli Agil S.A.S. de C.V.) is a Mexico-based financial intermediary that connects small and medium-sized enterprises (PyMEs) with multiple banking and financial institutions for credit placement. Founded approximately 2007 and headquartered in Polanco, Mexico City, the company operates with a lean team of 7 employees and maintains regulatory visibility through CONDUCEF and CNBV affiliations. Its core function is intermediation: Creditaria provides free consulting and management services to SMEs, then receives referral commissions from partner lending institutions when credit is successfully placed.

The company offers a portfolio of 13 credit products — including Simple Credit, Revolving Credit, Financial Leasing, Immediate Liquidity (24-72 hours), Customer and Supplier Factoring, Real Estate, Sale & Lease Back, Debt Refinancing, Business Credit Cards, and sector-specific solutions for medical professionals and agribusiness (including FIRA resource access). The technology stack is a standard web-based platform featuring a digital application form (Solicitud Digital), online credit calculators generating amortization tables, and a multi-institution connection layer. There is no mobile app, no API, no disclosed AI/ML capabilities, and no proprietary underwriting technology — the platform is a digital front-end for a fundamentally human-driven intermediation process.

Revenue is generated entirely through affiliate/referral commissions from partner banks and financial institutions; services are free to SME clients. The GTM motion is sales-led and digital-first: prospects arrive via organic search and the website, submit a digital application, receive personalized phone/consulting support, and are matched with partner institutions. Creditaria competes on preferential rates negotiated through institutional partnerships, time savings from a unified application process, and long-term relationship banking. The company has no external funding rounds, no disclosed revenue, no M&A activity, and no international expansion — operating exclusively in Mexico.

Name

CREDITARIA - DIGITAL

Legal name

Acli Agil S.A.S. de C.V.

Website

https://creditaria.digital

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Creditaria Digital is a Mexico-based financial intermediary that connects small and medium-sized enterprises with multiple partner banks and financial institutions for credit placement, earning referral commissions while offering free consulting and a 13-product digital lending platform.

Ownership category

akta.pro rank

Product category

SME Credit Brokerage

NAICS

Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

Keywords

• SME credit brokerage
• Business financing advisory
• Financial intermediation services
• Commercial credit consulting
• PyME loan placement

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from Partner Financial Institutions: Creditaria Digital earns revenue through commission agreements with partner banks and financial institutions. The company provides free consulting and credit placement services to SMEs, then receives referral fees or commissions from the lending institutions when credit is successfully placed. This is a classic affiliate/referral model where the company acts as an intermediary between borrowers and lenders.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Creditaria - Digital is a financial intermediary that connects Mexican small and medium enterprises (PyMEs) with partner banks and financial institutions to secure business credit. The firm offers free consulting and management support to SMEs and brokers access to 13 or more credit products, earning revenue through commissions from the partner institutions that ultimately extend the financing.

Product overview

Creditaria Digital operates as a digital financial intermediary platform offering a comprehensive portfolio of 13 credit and financing products for Mexican SMEs (PyMEs). The offering includes fundamental products like Crédito Simple, Crédito Revolvente, and Arrendamiento Financiero, alongside specialized products such as Factoraje (both customer and supplier-focused), Anticipos, Inmuebles, Consultorio Médico, Agronegocios, and Sale & Lease Back. Additional solutions include Liquidez Inmediata for rapid financing, Refinanciamiento de Pasivos for debt restructuring, and Tarjeta de Crédito Empresarial for business expense management. The platform differentiates itself through digital-first processing, partnerships with banking and financial institutions, and free consulting and management services with preferential rates.

Differentiator

Problem solved

Functional benefit

Products and services

• SME credit intermediation and consulting service End-to-end free advisory and placement service that helps Mexican small and medium enterprises (PyMEs) identify, structure, and obtain suitable business credit from partner banks and financial institutions across 13+ credit product categories. The service is delivered under the Creditaria - Digital brand and compensated through commissions from partner lenders.

Quantifiable outcome

• Credit processing time reduced through unified application process

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves3 records

Emerging players

• Kueski: Mexican online lender offering consumer credit and BNPL via Kueski Pay for SMBs. Comparable as a digital-first Mexican credit provider targeting underbanked segments; differs in that it is a direct lender rather than a multi-bank intermediary.
• Coru: Mexican fintech offering embedded financial services including credit products distributed through partner channels. Comparable as a digital Mexican intermediary/broker of financial products to consumers and SMEs, with a similar multi-partner distribution model.
• Albo: Mexican challenger bank/neobank offering digital accounts, credit lines and SME financing via partner integrations. Comparable as a digital Mexican credit provider expanding into embedded SME credit, partially overlapping Creditaria's intermediary value proposition.
• Stori: Mexico-based credit card fintech that has expanded into SME credit products. Comparable as a digital-first Mexican credit provider expanding into the SME segment Creditaria serves, though operating as a direct card issuer rather than a multi-bank broker.
• Klar: Mexican neobank offering digital accounts, credit and SME financing products. Comparable as a digital Mexican credit provider competing for the same SME financing demand; operates as a direct lender rather than intermediary.

Broad incumbents

• Konfío: One of Mexico's largest digital lenders to SMEs. While Konfío lends directly using its own balance sheet rather than intermediating, it competes for the same Mexican PyME borrower funnel that Creditaria serves, and increasingly offers the one-stop digital experience that historically justified the broker model.
• Consubanco: Mexican specialty bank focused on consumer and SME credit including payroll loans and factoring. Comparable because it underwrites the same type of SME credit products that Creditaria intermediates (e.g., factoring, working capital), and is one of the partner-type institutions Creditaria could place deals with.
• Banco Compartamos: Mexico's largest microfinance institution serving small businesses and individuals. Comparable as an established Mexican lender focused on underserved SME/micro segments, though as a direct lender rather than a broker model.

Direct peers

• YoTePresto: Mexican P2P lending platform connecting SMEs with individual and institutional lenders via a digital application process. Direct comparable in intermediating SME credit through a digital, multi-lender funnel in Mexico.
• Kubo Financiero: Mexico-based P2P/crowdfunding lending platform originally focused on SME credit. Closely comparable as a digital Mexican SME credit intermediary that connects borrowers with funding sources, operating with similar referral-style mechanics though via marketplace funding rather than bank commissions.

Market position

Strengths1 record

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/creditaria-digital

Compliance2 records

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 CREDITARIA - DIGITAL