AFIX Servicios Financieros

What AFIX Servicios Financieros does

AFIX Servicios Financieros is a Mexican non-bank financial institution structured as a SOFOM ENR (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada), founded in 2009 and headquartered in Guadalajara, Jalisco. The company provides credit and leasing products to small and medium enterprises (PyMEs) across 28+ industry verticals in Mexico, including manufacturing, transportation, tourism, healthcare, agroindustry, clean energy, technology, and real estate. Its product portfolio consists of five core offerings: Crédito Simple (term loans with fixed or graduated payment schemes), Crédito Cuenta Corriente (revolving credit facility), Arrendamiento (equipment and asset leasing), Crédito Simple Sin Garantía (unsecured credit), and Arrendamiento Cero Emisiones (zero-emission leasing for sustainable technologies). AFIX is registered with CONDUSEF (registration ID 2900), supervised by CNBV for anti-money laundering compliance, and is a member of ASOFOM Región Occidente.

The company operates a relationship-driven, sales-led go-to-market motion through dedicated financial advisors reachable via phone, WhatsApp, and email, complemented by a website, blog, and social media presence for content marketing and lead generation. Pricing is fully quote-based and customized to each borrower's profile and creditworthiness, with no public rate disclosure. Revenue is generated primarily through interest income and fees on the credit and leasing book. The firm employs 11-50 staff and serves the Mexican domestic market only, with no disclosed parent company, institutional investors, or external funding rounds. No proprietary technology platform, digital underwriting infrastructure, or AI/ML capabilities are disclosed, indicating a traditional, human-adjudicated lending operation.

From a strategic positioning standpoint, AFIX differentiates through vertical-specific expertise and customization rather than technology, embedding ESG-aligned financing (the zero-emission leasing line and a dedicated 'Impacto ASG' page) into its offering. The competitive set includes other Mexican SOFOMs, commercial banks, and increasingly digital-native SME lenders, against which AFIX's primary differentiation is sector depth and advisor-led service rather than speed or cost.

Name

AFIX Servicios Financieros

Legal name

AFIX SERVICIOS FINANCIEROS, S.A.P.I. de C.V. SOFOM ENR

Website

https://afix.com.mx

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

AFIX Servicios Financieros is a Guadalajara-based Mexican SOFOM ENR, founded in 2009, that provides customized credit and leasing products — including term loans, revolving credit, and equipment leasing — to small and medium enterprises across 28+ industry verticals in Mexico.

Ownership category

akta.pro rank

Product category

SME Commercial Lending

NAICS

Finance and Insurance (52), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Finance Lessors (6172)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

Keywords

• SME credit financing
• Commercial lending Mexico
• Equipment leasing services
• Working capital loans
• SOFOM financial services

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

Revenue model

1. Crédito Simple: Traditional term loans for business financing, offering fixed or graduated payment schemes adapted to company size and industry.
2. Crédito Cuenta Corriente: Revolving credit facility for ongoing business liquidity needs.
3. Arrendamiento (Leasing): Equipment and asset leasing solutions, including zero-emission leasing options for sustainable technologies.
4. Crédito Simple Sin Garantía: Unsecured credit for flexibility and peace of mind, financing investments, working capital, and liquidity for commercial objectives.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

AFIX Servicios Financieros is a Mexican SOFOM ENR that provides credit and leasing products to small and medium-sized enterprises (SMEs). Its portfolio includes Crédito Simple (term credit with fixed or graduated payment plans), Crédito Cuenta Corriente (revolving business credit), Crédito Simple Sin Garantía (unsecured credit), Arrendamiento (equipment leasing), and Arrendamiento Cero Emisiones (zero-emission leasing for sustainable assets), tailored across 28+ industry verticals.

Product overview

AFIX Servicios Financieros is a SOFOM E.N.R. (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada) that offers a portfolio of financial products designed for small and medium-sized enterprises (SMEs). The core offering consists of four main credit products: Crédito Simple (flexible financing for investments and working capital), Crédito Cuenta Corriente (checking account credit for ongoing operations), Arrendamiento (leasing for equipment acquisition), and Crédito Simple Sin Garantía (unsecured credit). The company also offers specialized zero-emission leasing (Arrendamiento Cero Emisiones) for sustainable business practices. These products are complemented by financial solutions tailored to 28+ industries including manufacturing, transportation, tourism, healthcare, agroindustry, clean energy, technology, and real estate development.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Simple Flexible term credit product providing financing for SME investments, working capital, and liquidity needs, with fixed or graduated payment plans adapted to the company's size and industry.
• Crédito Cuenta Corriente Revolving credit facility that provides ongoing access to financing for business operations, working capital, and short-term liquidity needs of SMEs.
• Crédito Simple Sin Garantía Unsecured credit product offering flexibility for financing SME investments, working capital, liquidity, and commercial objectives, with fixed payment schedules and no collateral requirement.
• Arrendamiento Equipment and asset leasing solution that enables SMEs to acquire productive assets through rental arrangements, with potential purchase options.
• Arrendamiento Cero Emisiones Specialized zero-emission leasing solution that enables businesses across all sectors to adopt clean technologies, sustainable equipment, and low-emission vehicles through structured leasing arrangements.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• ASOFOM (Asociación de Organizaciones Financieras de México)minorOthersAFIX is a member of Asofom, the Mexican Association of Financial Organizations, based in the Western Region (Región Occidente). Asofom is a self-regulatory organization for SOFOMs in Mexico, providing industry representation and networking for its member institutions.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Nu México (Nubank): Mexican digital bank subsidiary of Nubank offering credit cards, personal loans, and increasingly SME products. Comparable to AFIX as a non-traditional lender in Mexico, with a potential indirect threat in the SME credit segment as it expands.
• Kueski: Mexican online lender offering consumer credit and BNPL. Tangentially comparable to AFIX as a non-bank credit provider in Mexico, though focused on consumer rather than SME lending and built on a digital-first platform.
• Aplazo: Mexican BNPL and consumer credit fintech. Adjacent to AFIX in the Mexican non-bank credit market, with a focus on consumer instalment credit rather than SME working capital.
• Stori: Mexican credit card fintech serving underbanked consumers and small businesses. Comparable to AFIX in targeting underserved credit segments in Mexico, but with a more technology-driven, mass-market consumer focus.
• Klar: Mexican digital bank offering credit, deposits, and payments. Comparable to AFIX in the Mexican non-bank credit space, with an emerging SME lending offering that could become a more direct competitor over time.

Direct peers

• Covalto (formerly Credijusto): Mexican digital lender providing working capital and SMB credit. Compares directly to AFIX in SME target market and working capital products, though with a more technology-driven origination model.
• Banco Compartamos: Mexico's largest microfinance institution serving entrepreneurs and micro-enterprises. Comparable to AFIX in serving small-business credit demand in Mexico, with a much larger branch footprint and broader client base.
• Consubanco: Mexico-based non-bank financial institution offering consumer and SME credit. Similar to AFIX as a non-depository lender addressing bankable segments underserved by commercial banks, with comparable product breadth (loans, leasing, payroll).
• Konfío: Mexico's leading fintech lender focused on providing credit and banking solutions to SMEs. Directly comparable to AFIX in serving the underserved SME credit market in Mexico, with a broader digital platform and larger capital base.

Broad incumbents

• Gentera: Mexican financial services holding company whose subsidiaries (Compartamos, Yastás, ConCrédito) provide microfinance, SME, and consumer credit. Comparable to AFIX as a major player in the Mexican SME/microenterprise credit space, but operating at significantly larger scale across multiple brands.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AfixSF
• LinkedInlinkedin.com/company/afixfinanciera
• Instagraminstagram.com/afixfinanciera
• Xx.com/afix_financiera

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 AFIX Servicios Financieros