Eco Business Credit (Eco Crédito Empresarial)

Eco Business Credit (Eco Crédito Empresarial)

Provides Mexican firms loan support to upgrade energy-efficiency equipment with a rebate on replacement costs.

Eco Crédito Empresarial is a NAFIN energy-efficiency loan program co-administered with FIDE (Fideicomiso para el Ahorro de Energía Eléctrica), Mexico's national electricity-savings trust. The program finances the replacement of energy-inefficient commercial equipment with FIDE-certified high-efficiency alternatives, including industrial refrigeration systems, efficient lighting, solar installations, heat pumps, and electrical storage. Loans reach up to MXN 2,000,000 at an annual rate of up to 13% plus IVA, with repayment terms of up to 60 months. Uniquely, the program embeds a partial non-reimbursable rebate of 10% of the equipment replacement cost, funded through the FIDE mechanism — making it one of NAFIN's few loan products with a direct grant element.

Eligibility requires a legally constituted business with an active commercial CFE electricity contract under tariffs PDBT, GDBT, or GDMTO, a minimum of one year of business operations, a positive CFE payment history, and no outstanding debts with NAFIN or CFE. A co-signer is required. The loan is repaid through the borrower's regular CFE electricity bill, embedding the payment in the existing utility account rather than a separate bank instalment.

Applicants submit documentation to NAFIN or a participating bank and undergo a credit and technical assessment. The financed equipment must appear on FIDE's approved catalog of certified technologies. The 10% rebate is applied at the time of purchase, reducing the net loan principal. This program is classified as a financial instrument with a partial subsidy element; it is not a standalone grant. Businesses with commercial electricity contracts seeking to cut energy costs through equipment modernization represent the core target for this program.