Adelantalo

Adelántalo is a 100% digital financial services platform that provides short‑term financing, factoring, and early‑payment solutions specifically for the road‑transport and logistics industry in Latin America, starting in Mexico. Its goal is to improve cash flow for small carriers and trucking SMEs by paying their invoices early so they do not have to wait 30+ days for shippers to settle.

What Adelántalo does

• Offers digital factoring and “pronto pago” so transport companies can collect on freight invoices immediately, using Mexico’s electronic invoicing (CFDI) and logistics documents as the basis for risk analysis.
• Provides credit lines and early‑payment services to the transporters’ clients, so those clients can pay faster, unlocking liquidity for carriers without changing the commercial relationship.
• Targets mostly unbanked or underbanked truckers and small fleets, many of whom have never had formal credit before, using proprietary algorithms to analyze their fiscal and logistics data for underwriting.

Legal/regulatory note

• Adelántalo explicitly states that it offers credit, leasing, and factoring services that do not require prior federal authorization, so it operates as a private financial company rather than as a regulated bank, Sofom, or fintech under the Mexican Fintech Law.​
• It still must comply with applicable AML, civil, commercial, tax, and data‑protection rules, and discloses in its privacy notice how it handles and transfers user data.

Business model and technology

• Operates on a B2B and B2B2T (business‑to‑trucker) model, integrating with transport/logistics workflows so that carriers can request early payment and track the status of invoices from a web platform.
• Uses automation and document digitization (e‑invoices, proof of delivery, etc.) plus custom risk models to make the factoring process fast and low‑bureaucracy, explicitly positioning itself as a niche fintech “suite” for the trucking/logistics segment.

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