What Finbra.com does

Finbra.com is a Mexican fintech platform operated by Litore Avances, S.A.P.I. de C.V., SOFOM, E.N.R., providing secured working-capital loans to small and medium enterprises (PYMEs). Founded in 2020 and headquartered in Ciudad de México, the company targets two borrower segments: Personas Morales (corporations/LLCs) and Personas Físicas con Actividad Empresarial (self-employed/sole proprietors), each requiring at least one year of operations and minimum annual billing of 1 million pesos. The core product, Crédito PyME, is backed by vehicle (minimum 1:1 loan-to-value) or real estate (minimum 3:1) collateral and is priced at 36.00% annual fixed interest for PM borrowers (CAT 60.6%) and 38.00% for PFAE borrowers (CAT 63.9%), with a 5% opening commission and 520 pesos monthly GPS rental for vehicle-collateralized loans.

The platform operates as a digital-first lending process: a pre-offer is generated within one business day via the Lendia self-service portal, followed by digital document submission, an on-site verification visit, and electronic contract signing. Funding is delivered within 3-5 business days. The technology stack consists of a web-based application portal, digital document upload, electronic signature functionality, geolocation capture for regulatory fraud prevention, and GPS monitoring of vehicle collateral. No public API, mobile app, or AI/ML capabilities are disclosed.

Finbra.com monetizes through three revenue streams: interest income on outstanding credit (the primary stream), a one-time 5% opening commission deducted from the loan principal, and a recurring 520 pesos monthly GPS rental fee. Distribution occurs through a combination of direct digital self-service (website and Lendia portal), phone and WhatsApp inside sales, and the Programa de Aliados Comerciales, a referral channel paying commercial partners up to 2% commission per funded loan. The company is regulated by CNBV and supervised by CONDUSEF as a SOFOM E.N.R. entity, with no external funding rounds, parent company, or PE/VC backing disclosed.

Name

Finbra.com

Legal name

Litore Avances, S.A.P.I. de C.V., SOFOM, E.N.R.

Website

https://finbra.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Finbra.com is a Mexican SOFOM-regulated fintech that provides secured working-capital loans (vehicle or real estate collateral) to PYMEs, with a digital-first application process, 36-38% annual interest rates, and a complementary commercial partner referral program.

Ownership category

akta.pro rank

Product category

SME Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Online/Digital Pawn & Remote Collateral Lending (FSAKALAG)

Keywords

• SME secured lending
• Collateral-backed loans
• Digital lending platform
• Mexican fintech credit
• Vehicle collateral loans

Headquarters

HQ city

Ciudad de México

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Interest Income: Finbra.com generates revenue primarily through interest charged on PyME loans. For PM credits: 36.00% annual fixed interest rate (CAT 60.6%); for PFAE credits: 38.00% annual fixed interest rate (CAT 63.9%). Interest income is the core revenue stream from lending operations.
2. Opening Commission: A one-time 5% opening commission is charged, discounted from the initial loan amount. This represents an upfront revenue component on each credit transaction.
3. GPS Rental Revenue: Monthly GPS rental fee of 520 pesos before IVA for vehicles used as collateral, generating recurring revenue throughout the loan term.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Finbra.com originates secured working-capital loans for Mexican small and medium enterprises (PYMEs), backed by vehicle (minimum 1:1 collateral coverage) or real estate (minimum 3:1) collateral. The end-to-end process runs through a digital application portal that produces a pre-offer within one business day and funds approved credits within 3-5 business days, with digital document upload, electronic signature, and an optional GPS rental service for pledged vehicles. Pricing is fixed at 36% annual interest for Personas Morales and 38% for Personas Físicas con Actividad Empresarial, with a 5% opening commission deducted upfront and 520 pesos monthly GPS rental before IVA.

Product overview

Finbra.com operates as a single-product SME lending platform backed by Litore Avances, S.A.P.I. de C.V., SOFOM, E.N.R. Its core offering is the Crédito PyME, a secured working-capital loan for Mexican small and medium enterprises requiring vehicle or real-estate collateral. The platform layers on a commercial-ally referral program (Programa de Aliados Comerciales) that pays up to 2% commission per funded loan, extending Finbra's distribution through third-party agents. All lending operations run through a digital-first process covering pre-offer, document submission, site visit, and digital contract signing, without a separate developer API.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito PyME Finbra.com

Quantifiable outcome

• Pre-offer generation time
• +3 more outcomes

Segments2 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

Partnerships

One partnership is on record.

• Litore Avances, S.A.P.I. de C.V., SOFOM, E.N.R.coreOthersLegal entity name of Finbra.com. The company operates as a Sociedad Financiera de Objeto Múltiple Entidad no Regulada (SOFOM, E.N.R.) under Mexican financial regulations, regulated by CNBV and supervised by CONDUSEF.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Credijusto: Mexican fintech lender to small and medium businesses offering working capital loans through digital underwriting. Directly comparable to Finbra as a Mexican digital PyME lender with similar target segment and product focus.
• Stori Card: Mexican credit card fintech serving underbanked consumers and small businesses with no-credit-history products. Comparable in serving first-time formal borrowers in Mexico through a digital-first model with similar underserved-segment targeting.
• Kueski: Mexican digital lending platform offering online consumer credit and small business loans. Comparable as a Mexican fintech lender using digital onboarding and rapid decisioning, though more weighted toward consumer credit than Finbra's PyME focus.
• Konfío: Mexico's leading digital lender to small and medium businesses, providing working capital and growth loans to PYMEs. Directly comparable to Finbra as both serve the underserved Mexican SME segment with rapid digital underwriting, though Konfío operates at significantly greater scale.

Emerging players

• Albo: Mexican digital banking platform offering accounts, cards, and credit products to consumers and small businesses. Comparable as a Mexican digital financial services provider expanding into credit for underserved segments.
• Clip: Mexican fintech providing payment acceptance and working capital products to small businesses. Comparable as a Mexican digital SMB financial services provider with credit products targeting similar PyME customers.
• Klar: Mexican neobank providing digital accounts, credit lines, and personal loans to mass-market customers. Comparable as a Mexican digital lender expanding credit access through technology-driven underwriting.

Broad incumbents

• Nu México: Mexican subsidiary of Nubank offering digital banking, credit cards, and personal loans. Comparable as a major Mexican digital lender serving underbanked segments, though operates as a full bank with broader product portfolio.
• Banco Azteca: Large Mexican commercial bank focused on mass-market and informal-sector lending, with extensive PyME and consumer credit exposure. Comparable incumbent lender serving underbanked Mexican borrowers, though via physical branches rather than digital-first.
• Mercado Pago: Mercado Libre's Mexican fintech arm offering payments, credit, and working capital to merchants and SMBs. Comparable as it extends credit to Mexican PYMEs through digital channels, though as part of a much larger e-commerce ecosystem.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/people/Finbra/100093149355545
• LinkedInlinkedin.com/company/finbra-com
• Instagraminstagram.com/finbra.oficial

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 Finbra.com