Financiamiento Empresarial

Financiamiento Empresarial

Offers selected Mexican enterprises in strategic sectors with simple-credit loans for production and industrial expansion.

Financiamiento Empresarial is Nacional Financiera's (NAFIN) flagship SME lending program, channeling government-backed credit guarantees through a network of 17 commercial banks to Mexican micro, small, and medium enterprises across the industry, commerce, and services sectors. NAFIN, Mexico's national development bank, does not lend directly; instead it provides first-loss guarantees that enable participating banks — including BBVA, Banorte, HSBC, Citibanamex, and Scotiabank — to offer credit to businesses that might otherwise face access barriers. Loans cover working capital needs and fixed-asset acquisitions up to MXN 20,000,000, with terms of up to five years and interest rates set per loan purpose by the participating bank.

Eligible borrowers are formally constituted businesses or individuals with registered business activity operating in industry, commerce, or services. Applicants must have at least two years of business operations, a positive credit bureau history, and documented cash flow sufficient to service the debt. Required documentation is determined by the participating bank. The program is available nationally across all Mexican states.

Applicants begin by selecting a participating bank and submitting the required credit documentation. The bank conducts its credit evaluation under NAFIN's guarantee framework and, upon approval, formalizes the loan contract. No competitive scoring or government review panel is involved — the decision rests with the bank. Because NAFIN's guarantee reduces bank risk, approval rates and terms for SMEs are typically more favorable than a conventional commercial loan. This is a loan product with a government guarantee; it is not a non-dilutive grant. Interested businesses can call NAFIN at 800-2000215 or email info@nafin.gob.mx for guidance on which bank and product to approach.