Cualli

Financiera Cualli is a Mexican non-bank financial institution operating as a SOFOM E.N.R. (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada) that provides business liquidity solutions through credit products. The company focuses on addressing working capital needs for small and medium-sized enterprises in Mexico, offering credit lines ranging from 1 million to 15 million pesos. With 18 years of experience in the market, Cualli positions itself as a flexible and immediate financing option for businesses facing cash flow challenges or requiring capital for operational continuity. The company's lending process involves basic information submission, documentation review through an advisor, review of terms and conditions via a letter, and contract signing to activate credit lines. Cualli operates as a registered entity with CONDUSEF and is subject to supervision by the National Banking and Securities Commission for specific purposes, though it remains an unregulated multiple-purpose financial entity. The company maintains physical offices in Mexico City (Miguel Hidalgo) and Querétaro. As a SOFOM, Cualli provides credit products including simple credit facilities with terms of 3-4 months based on invoicing, credit lines with 36-month terms, or revolving lines for up to 3 years. The company also offers specialized real estate-backed credit products, providing lines up to 25% of commercial property value with a cap of 5 million pesos, where repayment is tied to property sale transactions. According to 2023 credit rating reports, the company showed a capitalization index of 28.4% and maintained a non-performing loan ratio of 3.7%, though it faced challenges with non-productive assets reaching 18.5% of total assets.