Plan México

Plan México

Funds Mexican enterprises in targeted sectors with strategic loans for growth-oriented industrial and commercial activity.

Plan México is a NAFIN simple-credit loan program targeting micro, small, and medium enterprises (MIPYMEs) in four industrial sectors identified as strategic priorities under Mexico's national economic policy: pharmaceuticals and medical devices, textiles and footwear, chemicals and petrochemicals, and consumer goods. The program channels government-backed financing through 11 participating commercial banks at a fixed or variable-equivalent annual rate of up to 14.50%, with terms of up to 84 months including a grace period of up to six months. Loans reach up to MXN 20,000,000 per borrower, and no origination fees are charged. Coverage is national across all Mexican states.

Eligible applicants are MIPYMEs or individuals with formally registered business activity in one of the four covered sectors. For loans up to MXN 3 million, collateral requirements are limited to endorsements or co-obligors; larger amounts are subject to individual bank policies. Applicants must be legally constituted, operating in a qualifying industrial sector, and meet the participating bank's standard credit criteria. The program does not require a minimum operating history on its face, though banks apply their own underwriting standards.

Applicants contact a participating bank directly, submit sector-relevant business documentation, and undergo a standard credit evaluation. NAFIN's backstop guarantee reduces bank risk and extends credit access to businesses that might not qualify for conventional commercial lending. Plan México is positioned as an industrial-policy financing tool, not a competitive grant: recipients take on a repayment obligation at a commercial rate. Businesses in the pharmaceutical, textile, chemical, or consumer-goods supply chain seeking to invest in capacity expansion, working capital, or equipment should contact NAFIN or a participating bank to assess eligibility.