Finantial evolution. Innovation and technology.

About us

AlphaCredit® is a non-banking finantial institution, that stands out as a leader in the Fintech field inside the country, with headquarters in Mexico City.

AlphaCredit® has two main lines of business, with technology being one of the most important pillars for its development:

  1. Consumer loans in Mexico and Colombia, with the following products: 1) Loans to government employees in Mexico and Colombia, 2) Loans for pensioners and retirees in Mexico, and 3) 100% digital loans for independent professionals and private employees.
  2. Financing solutions for PYMEs: 1) Factoring, 2) Leasing and 3) Working capital loans in digital form.

Our philosophy inside the market is to offer a broad portfolio of financial instruments through specific brands to meet multiple investment, financing and growth needs. AlphaCredit® makes a difference thanks to its philosophy of closeness, humanity, technology and permanent improvement to ensure success in financial markets.

Our DNA is made by innovation, technology and start-up thinking, this mindset is what allows us to be agile and flexible in order to offer financial solutions that the world needs today.

AlphaCredit is financial evolution to build business success.

AlphaCredit® is financial evolution to build business success.


Total loan portfolio (USD$ mm)


Number of clients served


Number of factoring invoices


LTM revenue (USD$ mm)


Total funding (USD$ mm)


Sucessful acquisitions


Loan fortfolio CAGR ´14-2Q´18

AlphaX is our innovation laboratory, which is constantly working and designing new and innovative solutions for our different lines of business, managing to generate differentiating elements to build the value that will allow them to be more competitive in the market.

In addition to this continuous internal improvement, inside AlphaX we develop Fintech solutions adapted to the needs and speed of markets today, this allows us to be agile and flexible to offer financial solutions in a market that is constantly evolving.

Geographical presence

AlphaCredit® has a presence throughout the Mexican territory with its business lines of consumer credit and loans to PYMEs. Currently, we have more than 210 branches and more than 2,000 sales force agents in our consumer credit business, which have technological tools that allow them to offer loans in an agile manner, which makes us an important player within the company’s enviroment

The knowledge and experience developed in Mexico and our solid local management team have allowed us to expand into the Colombian market, experiencing rapid growth, with more than 25 branches and over 950 sales agents.

Thanks to our technological developments, nowadays we can offer our products to our clients located in any part of the country, in a fast, simple and reliable way.



A great start with great expectations for the future…

AlphaCredit® begins operations by granting payroll loans to employees of the Federal and State Government in Mexico.




AlphaCredit obtains its first line of credit granted by an international financial institution for



AlphaCredit®, towards a solid and accelerated growth, Starts operations in Colombia.
AlphaCredit® expands to the Colombian market by granting discount credits via payroll to pensioners and employees of the Colombian government.

Issuance of the first stock certificate and is integrated vertically.
The CNBV authorizes AlphaCredit® to issue debt in the Mexican Stock Exchange, with a first issuance of stock certificates for $ 400 mm pesos. With this securitization, the ‘mxAAA’ rating is obtained by S & P and HR Ratings, obtaining the highest rating for structured products in Mexico.

TotalCredit Acquisition.
AlphaCredit® becomes a vertically integrated company by acquiring Total Credit as its main credit originator via discount through payroll with more than 15 years of experience in the market, and with one of the best origination platforms in the industry. Thanks to this acquisition, AlphaCredit® has direct access to the borrowers.


We become one of the most important players in the market
Diversification of our consumer loan portfolio
We expanded our customer base thanks to a new product in the payroll discount market for Retirees and Pensioners in Mexico, a market with great growth potential in the coming years.

Finmart benefits Acquisition in Mexico
AlphaCredit® becomes one of the leading players in the payroll discount industry by acquiring one of its main competitors, Finmart Services.

Effective Alliances Acquisition in Colombia
In Colombia, the operations of an independent originator, Alianzas Efectivas, are acquired. This allows AlphaCredit to have direct access to the borrowers.

Diversification of our business lines for the SPYMEs market AlphaLeasing and AlphaFactoring, was born as part of the strategy of development of new business and diversification of the group, as an alternative financing to PYMEs in Mexico, through Factoring and Leasing products.


Constant growth for a global vision

New brand in Colombia
AlphaCredit® in Colombia announces the launch of its commercial brand, Vive. Allowing customers to identify themselves with a close brand that supports them and cover their needs, living life as they want to live it.

International Bond Issuance
AlphaCredit® accesses international markets through the placement of an international bond for US $ 300 million under the format 144A / Reg S.

AlphaCredit issues Stock Certificates in the Mexican Stock Exchange

AlphaCredit® successfully issued stock Certificates for $ 1,800 million pesos with the slate code “ALPHACB 18” on the Mexican Stock Exchange, which will be used to increase consumer credit.

New Fintech platforms Development
Within the AlphaX laboratory, Fintech platforms were developed focused on providing consumer credit solutions and obtaining working capital for PYMEs, in a fast, simple and digital way.

New Factorage and Leasing brand
AlphaCredit® announces the launch of its Alcanza Capital brand, being the solution that Mexican SMEs need through a true business partner, where together we take the next step for the business of our clients.

Business units

We have 2 business units: Consumer Credit and SMEs Financing, each with its own specialized solutions.
For us, the client is what matters the most, consequently, we care about analyzing the individual needs to better provide customized solutions, designing unique and flexible strategies for each project, thanks to our great funding capacity.


Our payroll deduction credit to federal and state government employees, both in Mexico and Colombia, enables us to offer financial support for any type of need. We have two consumer credit products:

Through the elaboration of an agreement between the government agency and AlphaCredit®, we offer credits to its employees via payroll deduction.

  1. Formulation of the agreement between the government agency and AlphaCredit®.
  2. AlphaCredit® releases approved credits directly to employees who meet the strict criteria.
  3. The government agency deducts the redemption of capital and interest directly from the employee’s payroll.

The government agency transfers the capital and interest deductions to AlphaCredit® through a bank account managed by a master trust.

Venturing into a high potential market in Mexico, AlphaCredit® presents a financial solution for loans to government retirees and pensioners (ISSSTE or IMSS), public and private social security systems, with direct monthly deductions from the applicant’s bank account, to uphold their plans for the future.

  1. AlphaCredit® delivers approved credits directly to retirees and pensioners.
  2. AlphaCredit® deducts monthly interest from the pensioner’s bank account directly.

Our trademarks in the market:
TotalCreditCrediamigo, AdexVive  (Colombia).


Our goal is to support the development of small and medium enterprises in Mexico, by offering specialized factoring and leasing services, thus financing their working capital needs in the short, medium and long term for their business operation.

A financial service that supports the productive cycle of enterprises and working capital, offering greater liquidity by making a discount on their invoices. Companies take advantage of this cash flow to cover operating expenses, inventories, development, products or services, or a new business opportunity

A financial service to acquire fixed assets for your company, saving you from investing in capital assets that depreciate, helping to improve the capital structure and optimizing the tax burden.

Our trademarks in the market:
Alcanza Capital


Financial Evolution




January 2020

AlphaCredit® Prices $400 million U.S. Dollar-denominated 5-year Senior Unsecured Notes.


AlphaCredit® enters into an agreement

January 2020

AlphaCredit® enters into an agreement to raise up to USD$125 million from an investor group led by SoftBank’s Latin America Fund.


International Bond

December 2017

AlphaCredit® made its debut in the global capital markets in December, 2017 through the issuance of a US$300 million international bond.

See the news release (spanish)

Acquisition of Finmart Group

July 2016

AlphaCredit® acquired Prestaciones Finmart, S.A.P.I. de C.V. (“Grupo Finmart”), one of its main competitors.
With this acquisition, AlphaCredit® consolidated as the third most important player in the Payroll Deduction Credit industry in Mexico.

See the news release (spanish)See BMV link

The CNBV authorized AlphaCredit to issue debt on the Mexican Stock Exchange

October 2015

AlphaCredit® issued its first stock certificates and was granted the ‘mxAAA’ rating by S & P and HR Ratings, the highest rating for structured products in Mexico.

See the news release (spanish)See BMV link

Acquisition of Total Credit

March 2015

AlphaCredit® acquired 51% of its main credit originator via payroll deduction: Total Credit (“TC”), a Mexican broker with more than 15 years’ experience in the sector and with one of the best origination platforms in the industry.

See the news release (spanish)

Av. Antonio Dovalí­ Jaime 70,
Torre C Piso 7,
Zedec Santa Fe, 01210,
Ciudad de México

Contact us