MásKapital

MásKapital, operating under the legal entity Kapitalmujer S.A. de C.V. SOFOM ENR (Sociedad Financiera de Objeto Múltiple Entidad No Regulada), is a microfinance institution based in Oaxaca, Mexico, specializing in group lending to female entrepreneurs. Founded in 2005 and headquartered at Violetas No. 104, Colonia Reforma, Oaxaca de Juárez, the company focuses exclusively on providing financial services to entrepreneurial women who operate small shops, market stalls, and traditional trades in one of Mexico's poorest regions. The institution offers its flagship product "Más Flexible," a group loan model where women form groups of at least two borrowers, with each member remaining individually responsible for her own loan while benefiting from mutual support and financial discipline. Loan amounts range from 1,000 to 50,000 Mexican pesos with flexible repayment terms between 4 and 24 weeks. MásKapital serves 100% female clientele, with most borrowers active in trade and services (73%) and craft and small-scale production (25%). The company employs approximately 699 staff members, of whom 59% are women, with 62% working as loan officers providing personal guidance to clients. As a SOFOM ENR, MásKapital operates as an unregulated multiple-purpose financial company under Mexican law, not requiring authorization from the National Banking and Securities Commission (CNBV). The institution has partnered with international impact investors such as Lendahand to expand its lending capacity. MásKapital contributes directly to financial inclusion and gender equality in Oaxaca, where 58.4% of the population lives in multidimensional poverty and women have limited access to formal banking services.