UniClick

Uniclick is a digital lending platform that was launched in March 2020 as the fintech arm of Unifin Financiera, one of Mexico's largest non-bank financial institutions. The platform was designed to provide fast, unsecured working capital loans to small and medium-sized enterprises in Mexico through a fully digital process. Uniclick's technology enables credit approval within minutes using algorithmic risk assessment and machine learning capabilities embedded in its onboarding platform. The company offered loans of up to 2.5 million Mexican pesos to SMEs operating across Mexico, with a focus on providing accessible financing to businesses that represent a significant portion of the country's economic activity. At launch, Uniclick formed strategic partnerships with Google and Microsoft to leverage marketing tools, artificial intelligence, and to facilitate financing for software and technology products for SMEs. The platform partnered with Berlin-based Mambu to develop its cloud-driven banking infrastructure. Following a conservative first year during the COVID-19 pandemic, Uniclick expanded its client base from 150 to 500 customers in early 2021, representing growth of over 333 percent. However, the company's parent entity Unifin entered bankruptcy proceedings in January 2023 after defaulting on bond payments in August 2022. Unifin completed its restructuring process in January 2024, with creditors taking control of the company. The current operational status of Uniclick following Unifin's bankruptcy and restructuring remains uncertain, as the platform was delisted from the UN Global Compact in 2022 for failure to communicate progress, and recent activity indicators suggest the digital lending operations may have been significantly impacted or discontinued.