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Rich Financial Institutions

As a Non-Regulated Multiple Purpose Financial Institution (SOFOM, E.N.R.), we are committed to providing flexible, reliable, and forward-thinking credit solutions for individuals and small businesses to help them achieve their financial goals.

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Our Services

Unlike traditional banks, we tailor each credit offering to the unique financial situation of the client, covering needs ranging from short-term cash flow support to long-term growth financing.

Personal Loans

Unsecured microloans for individuals, emergency funds, and education-related financing—offered with simple procedures and transparent interest rates.

Salary-Based

Special loan products for salaried clients with fixed income, suitable for short-term personal expenses like healthcare, family needs, or unexpected events.

Business Loans

We support local entrepreneurs with working capital loans, equipment financing, and inventory credit to help them operate smoothly and expand sustainably.

A Few Words About Us

Using a proprietary credit assessment model and automated workflow, we significantly reduce the time from application to approval.

Clients can apply for loans, check application status, and upload documents through our website or mobile platform—providing a fully remote and user-friendly experience.

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Agreement

We respond quickly to client needs with high-quality, localized solutions.

Privacy Policy

We place a high priority on the protection of client information and privacy. In compliance with Mexico's Federal Law on Protection of Personal Data Held by Private Parties (LFPDPPP), our key privacy principles include:

  • All personal and financial data collected during the loan process is used solely for loan evaluation and service improvement.
  • Data is securely stored and encrypted, and will not be shared with third parties without explicit client consent.
  • Clients have the right to access, correct, or request deletion of their personal records at any time.
  • We maintain a designated Data Protection Officer to handle any questions or complaints related to data usage.
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Loan Agreement

To protect both parties' interests, we provide clear and detailed loan agreements that include the following:

  • Loan Amount and Term: Clear specification of the approved loan amount and repayment period based on the evaluation.
  • Interest Rates and Fees: Full disclosure of annual interest rates, late fees, and any applicable service charges before contract signing.
  • Repayment Options:Flexible repayment methods including bank transfers, in-person payments, or digital payments.
  • Default and Collections Policy:If a payment delay occurs, we will follow a legal and respectful collection process.
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LENDER: Iniciativa & Financiera N&N, S.A. de C.V., SOFOM, E.N.R.

REC: IAF121109B54