Micro-business SME (Micronegocio Pyme)

Micronegocio Pyme is Nacional Financiera's small-business loan route for formal microenterprises in Mexico. It provides working-capital and fixed-asset financing through a development finance institution, so it should be read as credit support rather than public grant funding. Loans go up to MXN 500,000 for 36 months at a fixed annual rate of up to 15 percent. Applicants must be operating in Mexico, have at least 12 months of business history, and present positive credit bureau history; nonprofits, universities, research organizations, and individuals are not eligible. The fit is strongest for very small firms that already have a formal footprint and need a modest, straightforward capital injection. The program is rolling, uses Spanish-language documentation, and works best when the business can show stable operations and a clean repayment profile. In practice, it is a straightforward bridge for owners who need capital for inventory, payroll, or equipment and can demonstrate that the business has already moved beyond the earliest start-up phase.

Each grant below is a distinct funding opportunity with its own eligibility, scope, and deliverables.