Konfío provides Mexican micro, small and medium enterprises with a unified financial platform that combines an instant‑approved credit line (up to MXN 5 million), an enterprise credit card that can convert part of the line into SPEI transfers and defer purchases, and low‑cost payment terminals. All services are managed through a single mobile app that aggregates transactions, generates instant payment links and automates reconciliation, helping businesses improve cash flow and reduce administrative overhead.
Funding
$369.6M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
1OGSFounders
Product
Problem
Many small and medium‑size enterprises in Mexico lack fast, flexible financing and integrated payment tools, forcing them to juggle separate bank loans, credit cards, and point‑of‑sale terminals. This fragmentation creates cash‑flow gaps, delays supplier payments, and adds administrative overhead to reconcile transactions.
Solution
Konfío offers a unified financial platform for Mexican businesses that combines a credit line, an enterprise credit card, and payment terminal services. The credit line can be approved within minutes and disbursed in hours, providing up to MXN 5 million for working‑capital needs. The enterprise card lets users instantly convert a portion of their credit line into SPEI transfers, defer purchases for up to 12 months, and access interest‑free travel financing. Integrated payment terminals enable merchants to accept in‑store and remote card payments with a low commission rate, while all transaction data flow into Konfío’s app for real‑time reconciliation and expense control.
Target Audience
Primary customers are Mexican micro‑, small‑, and medium‑sized enterprises that need rapid working‑capital financing, streamlined payment acceptance, and consolidated expense management.
Features
- Credit line approval in minutes with funds available in 48 hours, up to MXN 5 million, based on automated analysis of SAT and financial data
- Enterprise credit card that converts up to 40 % of the line into instant SPEI transfers, supports 12‑month deferral, and offers interest‑free travel financing with Aeroméxico
- Integrated payment terminal (physical and virtual) with commissions starting at 1.35 % + IVA and support for remote payments
- Unified mobile app that aggregates credit, card, and terminal activity, providing real‑time balance, transaction history, and automated expense categorization
- Instant link‑payment generation for receiving up to MXN 300 000 instantly, facilitating quick customer payments
- Automated reconciliation engine that matches incoming payments, card purchases, and credit line usage, reducing manual bookkeeping