Con Crédito

Con Crédito operates as a network-based microlending platform in Mexico that enables individuals to establish their own lending and catalog sales businesses without upfront capital investment. The company provides independent agents, referred to as 'Empresarias' (businesswomen), with personalized credit lines to facilitate microloans to end customers, along with access to an online catalog featuring over 20,000 consumer products through its CrediTienda platform. Con Crédito targets underbanked populations in Mexico, offering small-ticket loans ranging from 2,000 to 10,000 pesos with repayment terms between 90 and 240 days. The business model combines direct lending with catalog-based sales on installment payment plans, allowing agents to earn commissions while customers access credit and consumer goods. The company operates through its legal entity Fincrementar, S.A. de C.V., which functions as a SOFOM (Sociedad Financiera de Objeto Múltiple). Fincrementar is a subsidiary of Gentera, one of Mexico's largest microfinance institutions. Con Crédito operates under supervision of the Comisión Nacional Bancaria y de Valores (CNBV), ensuring regulatory compliance. The company was founded in 2007 and maintains its headquarters in Culiacán, Sinaloa, though it lists offices in Mexico City. Con Crédito employs between 1,000 and 5,000 staff and provides technology tools including the MiOficina and CrediTienda mobile applications to support its distributed agent network. The platform focuses on financial inclusion for Mexico's popular sector, delivering accessible credit solutions through a decentralized agent-based distribution model.