Eco Sustainable Credit (Eco Crédito Sustentable)

Eco Sustainable Credit (Eco Crédito Sustentable)

Funds Mexican firms buying efficient equipment and renewable systems, including support for required energy audits.

Eco Crédito Sustentable is a NAFIN sustainability-focused loan program that finances the acquisition and installation of high-efficiency equipment and renewable energy technologies for businesses with commercial CFE electricity contracts. Covered technologies include refrigeration systems, air conditioning, efficient lighting, electric motors, solar thermal water heaters, photovoltaic systems, and other catalog-listed clean technologies. Loans reach up to MXN 15,000,000 at a fixed annual rate of up to 16%, with terms of up to eight years (96 months) including a grace period of up to six months. A distinguishing feature of the program is a diagnostic subsidy: NAFIN covers up to 100% of the cost of the mandatory energy audit required before the loan is issued, functioning as a partial non-reimbursable grant element embedded in the program.

Eligible applicants are businesses that are legally constituted, registered with Mexico's SAT tax authority, have at least one year of operations, and hold active CFE electricity contracts under tariffs PDBT, GDBT, GDMTO, or GDMTH. A guarantor is required. There is no sector restriction beyond the tariff eligibility rule, meaning manufacturers, food processors, hospitality operators, and others can apply provided they hold a qualifying CFE contract.

The process begins with a NAFIN-subsidized energy audit that identifies which catalog technologies qualify for financing and documents the projected energy savings. Applicants then submit credit documentation to a participating bank, which conducts a standard credit evaluation under NAFIN's guarantee structure. Disbursement is made to the equipment supplier upon approval. The audit subsidy — up to 100% of audit cost — is the program's primary non-reimbursable element; the loan itself must be repaid at the stated commercial rate. Businesses seeking to modernize energy infrastructure and simultaneously reduce their electricity expense are the target profile for this instrument.