Capitaltech (MFM)

CapitalTech, formerly known as MFM OPM, is a Mexican financial institution based in San Pedro Garza García, Nuevo León, within the Monterrey metropolitan area. The company operates as a SOFOM ENR (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada), which allows it to offer financial services without requiring authorization from the Mexican Ministry of Finance, though it remains subject to supervision by the National Banking and Securities Commission under specific articles of Mexican credit law. Founded in 2010, CapitalTech focuses on providing liquidity and financing solutions to small and medium-sized enterprises throughout Mexico. The company's flagship product is the OPM Credit Line, a revolving short-term business credit line with a maximum term of 45 days that charges no opening or disbursement commissions. This multi-currency credit facility allows businesses to fix exchange rates, addressing the needs of importers and exporters dealing with currency volatility. In addition to credit lines, CapitalTech offers factoring services, including international factoring in partnership with Mundi, enabling exporters to convert export invoices into immediate cash. The company acquired crowdfactoring startup Konsigue to expand its portfolio of financial solutions and enhance its market position. CapitalTech received funding from institutional investors including Alta Ventures Mexico and Dalus Capital. The platform operates with a fully digital infrastructure, providing clients with streamlined processes for accessing financing. The company specializes in serving SMEs that require rapid liquidity solutions and are engaged in international trade operations, positioning itself as a technology-driven alternative to traditional banking for growing Mexican businesses.