AFFLUX
Afflux is a Mexican financial technology company offering working capital solutions for small and medium-sized businesses, including simple credit, revolving credit, factoring, leasing, and payroll advances. The company combines technology with personalized service to provide liquidity in under 24 hours for qualifying requests. Its product suite includes a payroll app that lets employees access up to four months of earned salary.
- Financial Technology
- Software Only
Funding
Founders
Product
Problem
Small and medium-sized enterprises in Mexico often face cash flow gaps due to delayed client payments, uneven revenue cycles, and limited access to traditional bank financing. These liquidity constraints hinder their ability to cover payroll, purchase inventory, or invest in growth opportunities, putting their operational stability and competitiveness at risk.
Solution
Afflux provides strategic financial solutions designed to preserve liquidity, stability, and competitiveness for Mexican businesses. The company offers a range of credit products—including simple credit, revolving credit, FX credit, factoring, and leasing—each tailored to specific business needs. Its payroll app enables employees to receive up to four months of their salary in less than 24 hours, while factoring converts outstanding invoices into immediate cash flow. Afflux combines technology with a human touch, positioning itself as a strategic partner that supports clients throughout their development stages.
Target Audience
Primary customers are small and medium-sized enterprises in Mexico seeking working capital, liquidity management, and payroll solutions to maintain operational stability and support growth.
Features
- Crédito Simple: fixed-term financing with clear conditions for punctual capital needs
- Crédito Revolvente: revolving credit line providing continuously available capital for ongoing operations
- Crédito FX: currency-denominated credit to protect cash flow in foreign currencies
- Crédito Factoraje: invoice factoring that converts accounts receivable into liquidity within 24 hours
- Arrendamiento: equipment and technology leasing that preserves working capital
- App Nómina: payroll advance application allowing employees to access up to four months of earned salary with a few clicks