Capem

Grupo CAPEM, operating legally as Grupo Olinx, S.A.P.I. de C.V., SOFOM, E.N.R., is a non-bank financial institution based in Guadalajara, Jalisco, Mexico. Founded in 2014 by Rodrigo Correa, who serves as CEO, the company provides financial solutions specifically designed for small and medium-sized enterprises. The firm operates as an unregulated multiple-purpose financial company (SOFOM ENR) under Mexican law, registered with the Ministry of Finance and Public Credit and CONDUSEF. CAPEM's core business model combines direct financing with strategic consulting services. The company offers simple credit facilities ranging from 1.5 to 30 million pesos, leasing arrangements that allow SMEs to acquire machinery and equipment without depleting capital, and factoring services. Beyond traditional lending, CAPEM differentiates itself through its Smart Money program, which provides multidisciplinary advisory support covering financial management, corporate governance, legal matters, tax guidance, and human resources. This comprehensive approach aims to not only finance but also institutionalize and improve the productivity of client businesses. The company primarily operates in the Bajío region and fifteen states across Mexico, maintaining a loan portfolio valued at approximately $35 million USD. CAPEM targets underserved Mexican SMEs, recognizing that while these enterprises constitute the majority of businesses and employment in Mexico, they often lack access to institutional financing. The firm joined the SME Finance Forum as a member in 2021 and is affiliated with ASOFOM and AMEXCAP. Beyond its lending operations, Grupo CAPEM has demonstrated investment activity in the fintech and healthtech sectors, having participated in funding rounds for companies including Medsi and Leasy. In 2021, CAPEM partnered with Mintos, a European peer-to-peer lending platform, to expand its funding sources.