Red Girasol

RedGirasol, a Legal Paradox® client and for many years the favorite FinTech of the Mexican financial regulator, is a Mexican clean‑energy fintech and crowdfunding platform that connects investors with individuals and businesses seeking financing to install solar panels and other eco‑efficiency projects. It became the first renewable‑energy‑focused fintech in Mexico authorized by the CNBV to operate as an Institución de Financiamiento Colectivo (IFC) under the Fintech Law, and is supervised by CNBV,  and CONDUSEF.

Investment product: daily‑pay “portafolio RedGirasol”

RedGirasol now offers a pooled investment product where users can “grow their money” with:

• A net annualized yield currently around 13.7–14.6% (average of the last months, before taxes)
• Daily interest payments and no fixed term, from a minimum investment of MXN 5,000.

Once an investor creates an account and deposits funds, the platform automatically diversifies the money into a portfolio of productive, high‑impact loans (mainly distributed generation solar projects and similar), and interest starts accruing the next day. Users can withdraw with immediate liquidity, subject to a daily withdrawal limit of MXN 10,000 per user.

Credit product: solar loans

On the credit side, RedGirasol offers pre‑approved loans in minutes to finance residential and commercial solar panel systems, with technical and economic feasibility analysis. Requirements typically include owning the property, passing a credit check, and providing income proof, which enables installers to close more projects by offering financing to end clients.

Impact, performance, and risk

RedGirasol’s crowdfunding model lets investors earn returns while borrowers obtain cheaper, sustainable energy and installers increase sales, all contributing to CO₂ emission reductions. As of April 2022, the platform had funded over MXN 135.6 million in more than 700 solar projects, avoiding an estimated 80,000 tons of CO₂ over their useful life, with an average investor yield around 16% and a delinquency rate near 2.6%.

The company aligns interests by committing to invest at least 1% of the funding in every project it lists and by publishing periodic financial and impact reports, reinforcing transparency and governance as a regulated green fintech.

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