Mi adelanto

Mi Adelanto is a Mexican fintech platform that provides earned wage access services, allowing employees to obtain advances on their earned salary before their official payday. Founded in 2012 and based in Benito Juárez, Mexico City, the company operates as a B2B2C model where employers partner with Mi Adelanto to offer the service as an employee benefit. Workers at affiliated companies can access up to 30 percent of their net salary instantly, with a minimum withdrawal of 100 pesos, through multiple channels including a mobile app, website, SMS, phone, and WhatsApp, available 24 hours a day, 365 days a year. The service positions itself as a solution to improve employee financial wellness and liquidity without requiring traditional credit checks or creating debt. Funds are disbursed immediately to the employee's payroll card and automatically deducted in full from the next paycheck. Mi Adelanto charges a small transaction fee rather than interest rates, with reported fees around 5 pesos per 100 pesos advanced. For employers, the platform is marketed as a talent attraction and retention tool that reduces employee financial stress without requiring the company to allocate its own resources. The company has developed technology infrastructure to enable instant processing and operates with a team of 11-50 employees. Mi Adelanto competes in the growing earned wage access segment of the fintech market, offering an alternative to traditional payday loans by giving employees access to wages they have already earned rather than extending credit.