Kapitalizer

Kapitalizer is a digital lending platform operating in Mexico as a SOFOM ENR (Sociedad Financiera de Objeto Múltiple Entidad No Regulada) under the legal entity Millennials Innovations, SAPI de CV. The company specializes in providing secured loans backed by real estate collateral to small and medium-sized enterprises and individuals seeking working capital and business financing. Kapitalizer offers loans ranging from MXN 1 million to MXN 300 million with repayment terms of up to 10 years and annual interest rates starting at 19.9 percent. The platform targets businesses with at least two years of operational history and requires borrowers to provide real estate guarantees with a loan-to-value ratio of up to 50 percent of the property value. The company emphasizes fast digital processes with pre-qualification decisions in less than 24 hours. Kapitalizer markets several products including Impúlsate for working capital, Renuévate for real estate-backed business loans, and Optimízate for debt refinancing and consolidation. The company has established a strategic partnership with COPARMEX, Mexico's leading employers' confederation. Kapitalizer is registered with CONDUSEF, Mexico's National Commission for the Protection and Defense of Financial Services Users, ensuring regulatory compliance. The platform operates through both B2B channels, partnering with financial brokers, and B2C direct customer acquisition. Based in Torre Cuarzo on Paseo de la Reforma in Mexico City, Kapitalizer positions itself as an innovative digital alternative to traditional bank lending for Mexican entrepreneurs and businesses requiring asset-backed financing solutions.