Uniclik

Uniclik, also known as Uniclick, is a Mexican fintech lending platform that provides digital credit solutions to small and medium-sized enterprises. Founded in 2020 as the digital division of Unifin Financiera, a major non-banking financial institution in Mexico, Uniclick offers unsecured working capital loans ranging from 200,000 to 2.5 million pesos with repayment terms between 3 and 24 months. The platform targets legal entities and individuals with business activity who have operated for at least 12 months in Mexico and are current with their fiscal obligations. Uniclick's fully digital credit authorization process delivers decisions within minutes, with approved funds deposited to borrowers' accounts within 24 hours. The platform requires borrowers to have their electronic signature approved by the Mexican tax authority (SAT) and does not mandate mortgage guarantees, though an endorser is required. Interest rates range from 30% to 40% annually depending on the selected term. As of 2021, Uniclick operated through more than 18 offices across Mexican cities representing 80.5% of the country's GDP. The platform announced partnerships with major technology companies including Google Mexico and Microsoft as part of efforts to expand digital services to Mexico's estimated 4.5 million SMEs. Headquartered in Polanco, Mexico City, Uniclick is backed by Unifin's extensive experience in SME lending across Latin America. However, Unifin faced significant financial challenges in recent years which may have impacted Uniclick's operations and market presence.