Mujeres Empresarias

Mujeres Empresarias

Supports women-led Mexican enterprises through guaranteed loans with reduced collateral pressure and repayment flexibility.

Mujeres Empresarias is a NAFIN-backed loan program designed to expand credit access for women-led small and medium enterprises in Mexico. The program channels guaranteed credit through five participating banks — Banamex, BanBajío, Banorte, BBVA, and Mifel — at a fixed annual rate of up to 14.50%, with loan amounts up to MXN 3,000,000 and repayment terms of up to 60 months. A defining feature of the product is its borrower-friendly structure: no opening commission, no prepayment penalty, and no mortgage collateral requirement. Funds cover working capital and fixed-asset acquisition for businesses in any sector.

Eligibility is defined by ownership and governance structure: at least 51% of shares must be held by women, and a woman must occupy the role of board president, hold a majority of the board, or be the sole administrator. The business must be a formally constituted micro, small, or medium enterprise registered and operating in Mexico. There is no minimum operating-age requirement published at the program level, though individual banks apply their own credit criteria.

The application process begins with a pre-qualification questionnaire on NAFIN's portal, followed by submission of credit documentation to the chosen participating bank. The bank conducts its own credit assessment under the NAFIN guarantee framework and issues the loan decision. Mujeres Empresarias is a loan product, not a non-dilutive grant; borrowers assume a repayment obligation. The program's structural design — no mortgage, no penalty for early repayment — is intended to lower barriers for women entrepreneurs who may lack real-estate collateral or face cash-flow uncertainty in early operations.