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Legal Paradox®
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Capital Funding
Next Fintech
Capital Funding Lab (CFL) is a Mexican crowdfunding platform that connects investors with rigorously selected borrowers through a fully digital app and web platform. Operated by Emprendimientos Maussan y González S.A.P.I. de C.V., it is formally classified as an Institución de Financiamiento Colectivo under Mexico’s Fintech Law, focusing on collective financing backed by real collateral.
What Capital Funding Lab does
CFL specializes in providing funding to Mexican SMEs and projects that offer attractive business opportunities but lack sufficient access to traditional bank credit. It structures collective loans where multiple investors contribute capital, and all financings are supported by “garantías reales” (real guarantees), which helps control credit risk compared with unsecured lending models. The platform aims to bridge the gap between mid‑sized companies with growth potential and investors—both in Mexico and abroad—seeking yield‑bearing, collateralized opportunities.
How the platform works for investors
Through the Capital Funding Lab mobile app (Android and iOS), investors answer a brief suitability questionnaire, choose an investment profile, and fund their client account, from which they can allocate capital into available loans. The app highlights diversification and risk‑adjusted returns, providing information on each project, collateral, terms, and payment schedules so users can build a portfolio aligned with their goals. Data is encrypted in transit, the app offers options to request data deletion, and privacy practices are detailed in its privacy policy, reflecting attention to data security and regulatory compliance.
Regulatory framework and positioning
CFL states in its legal notice that it is an Institución de Financiamiento Colectivo operating under the commercial name Capital Funding Lab, which implies oversight by CNBV and adherence to Mexico’s Fintech Law requirements.
In summary, Capital Funding Lab offers investors a regulated, collateral‑backed way to participate in Mexico’s credit market, while providing SMEs with alternative funding channels outside traditional banks.
