Finsol

What Finsol does

Finsol is a Honduran microfinance institution founded in 1999 and headquartered in San Pedro Sula, with a regional office in Tegucigalpa and a recently opened agency in Villa San Miguel. The company is regulated by the Comisión Nacional de Bancos y Seguros (CNBS) and its customer deposits are protected by FOSEDE. It serves micro-entrepreneurs (primary segment) and individual consumers (secondary segment) with credit products (business loans, personal loans, debt consolidation, housing), savings products with competitive interest rates, and complementary services such as merchant payment receptors and an online loan calculator (Calcula tu CDP). Distribution runs through an omnichannel network of physical branch agencies, the Finsol Móvil mobile application, the Finsol En Línea web banking platform, the Finsol Digital sub-brand, and a PBX call center; a 'Refiere Amigos y Gana' referral program supports customer acquisition.

The underlying technology stack is a conventional digital banking platform — a mobile app for payments and money management, a web-based banking portal, and online financial-education content — without disclosed proprietary models, AI/ML components, APIs, or SDKs. The company's most recent product move is the April 2026 launch of the Tarjeta de Débito Finsol Mastercard, issued in partnership with Mastercard to enable domestic and international purchases. Finsol also partners with ProBIT for web infrastructure and publishes annual Gestión de Riesgo risk analyses (2015–2025) evidencing sustained regulatory compliance.

Finsol's business model combines recurring net interest income from credit products, recurring balances from savings products, and transactional fee income from digital banking services. Pricing is quote-based and not publicly disclosed; rates and fees are set on a per-customer basis through branch consultation. Marketing relies on organic social channels (Facebook, Instagram, YouTube), a financial-education blog, and community engagement. With 34 employees, 27 years of operating history, and no disclosed external investors or funding rounds, Finsol presents as a stable, privately held microfinance niche player rather than a venture-backed growth company.

Name

Finsol

Legal name

Finsol

Website

https://finsolhn.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Finsol is a Honduras-based regulated microfinance institution founded in 1999 that provides credit, savings, and digital banking services—including a Mastercard debit card—to micro-entrepreneurs and individual consumers through physical branches, a mobile app, and online banking.

Ownership category

akta.pro rank

Product category

Microfinance Services

NAICS

Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABABAB

SME Business Lending (Term Loans, Lines of Credit, Overdrafts)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABABAC

SME Deposits & Business Accounts (Operating, Savings, CDs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

Keywords

• Microfinance lending
• Small business loans
• Personal savings accounts
• Digital banking services
• Debit card services

Headquarters

HQ city

San Pedro Sula

HQ country

Honduras

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Products: Personal loans, business loans, debt consolidation, and housing loans for micro-entrepreneurs and individuals
2. Savings Products: Various savings accounts with competitive interest rates for personal and business customers
3. Digital Banking Services: Mobile and online banking services supporting transaction processing and payment services

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Finsol is a Honduran microfinance institution that provides credit products (personal loans, business loans, debt consolidation, housing loans), savings products with competitive interest rates, and digital banking services to micro-entrepreneurs and individual consumers. The company distributes its offerings through a network of physical agency branches, a mobile banking application (Finsol Móvil), and a web-based online banking platform (Finsol En Línea), and recently launched a Mastercard-branded debit card for domestic and international purchases.

Product overview

Finsol is a regulated microfinance institution in Honduras offering an integrated suite of financial products and services for microentrepreneurs. The core portfolio includes credit products for business growth and personal needs, savings products with competitive interest rates, and supplementary offerings through strategic partnerships. Digital access is provided via Finsol Móvil (mobile app) and Finsol En Línea (online banking), while the recent Tarjeta de Débito Finsol Mastercard extends card-based payment capabilities through the Mastercard network. Additional tools like payment receptors and loan calculators support the full financial lifecycle of their customers.

Differentiator

Problem solved

Functional benefit

Brands

• Finsol Móvil: Mobile application for making and receiving payments, managing money, and financial transactions.
• Finsol En Línea
• Finsol Digital

Products and services

• Productos de Crédito (Credit Products) Credit products enabling micro-entrepreneurs to realize business projects, grow their operations, consolidate debts, or acquire housing; includes personal loans, business loans, debt consolidation, and housing loans.
• Productos de Ahorro (Savings Products) Savings products designed for future financial planning with competitive interest rates across various savings instruments for personal and business customers.
• Otros Productos (Other Products) Complementary financial products and services backed by strategic alliances with leading market providers, available to existing Finsol customers.
• Tarjeta de Débito Finsol Mastercard Debit card issued in partnership with Mastercard that enables secure purchases within Honduras and internationally for micro-entrepreneurs and individual customers.
• Finsol Móvil Mobile banking application enabling users to make and receive payments, manage money, and conduct banking transactions remotely for personal and business use.
• Finsol En Línea Online banking platform providing web-based access to financial services and account management for Finsol customers.
• Receptores de Pago (Payment Receptors) Payment collection services enabling merchants and businesses to receive payments from their customers through Finsol's payment infrastructure.

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

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• MastercardcoreTechnology or Integration · 24 April 2026Strategic partnership for the launch of Finsol Mastercard debit card, enabling customers to make domestic and international purchases. This partnership provides world-class financial solutions to micro-entrepreneurs in Honduras, integrating international payment network standards.
• CNBS (Comisión Nacional de Bancos y Seguros)coreOthersRegulatory oversight body for the Honduran financial sector. Finsol is a regulated institution under CNBS supervision, providing institutional credibility and compliance with national financial regulations.
• FOSEDE (Fondo de Seguro de Depósitos)coreOthersDeposit insurance fund that protects customer deposits in Honduran financial institutions. Finsol participates in the FOSEDE protection scheme, ensuring customer deposits are insured.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• BAC Honduras: One of the largest banks in Honduras, providing commercial, consumer, and SME banking with a strong digital channel presence. Comparable as a direct competitor for deposits, SME lending, and digital banking adoption in Honduras.
• Banco Atlántida: Major Honduran commercial bank offering deposits, lending, and digital banking to consumers and SMEs across Honduras. Directly comparable as a state-regulated financial institution serving similar business and retail customers in the same geography.
• Banpais: Honduran commercial bank focused on consumer and SME banking with national branch coverage. Comparable as a domestically regulated bank targeting similar retail and small-business deposit/lending customers.
• Banco de Occidente (Honduras): Honduran commercial bank offering consumer and business banking products across the country. Comparable as a domestic regulated peer competing for similar mass-market and SME customers.

Regional players

• Banco Lafise: Central American financial group operating in Nicaragua, Costa Rica, Honduras, and Panama with consumer, SME, and corporate banking. Comparable as a regionally diversified competitor with overlap in the Honduran and Central American SME/microfinance space.
• MiCrédito: Microfinance institution operating across Nicaragua, Costa Rica, and Panama, focused on micro-entrepreneurs and small business lending. Comparable as a regional microfinance specialist using a similar lending model and customer segment, though operating outside Honduras.
• Prival Bank: Panama-based private bank with Central American operations, focused on wealth management, corporate, and SME banking. Comparable as a Central American financial institution targeting similar SME and business banking customers, though with a higher-net-worth emphasis.
• Banrural (Guatemala): Guatemalan banking group with deep rural and micro-enterprise focus, providing credit, savings, and digital banking. Comparable as a Central American institution serving underbanked and rural micro-enterprise customers with a similar social-banking mission.

Emerging players

• Gentera (Compartamos): Mexican microfinance and SME banking group originally launched as Compartamos, serving underbanked micro-entrepreneurs across Latin America. Comparable as a microfinance-led business model serving a similar customer profile, though at much larger scale and based in Mexico.

Broad incumbents

• Grupo Ficohsa: Large Central American financial group with significant Honduras operations spanning commercial banking, insurance, and pensions. Comparable as an established incumbent competing for the same deposit, lending, and SME customers in Honduras.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/finsolhonduras
• Facebookfacebook.com/finsolhn
• Instagraminstagram.com/finsolhonduras
• LinkedInlinkedin.com/company/finsol-hn

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 Finsol