Konfío has unveiled a large-scale plan to expand access to financing for small and medium-sized enterprises across Mexico over the next three years. The fintech intends to deploy approximately USD$2.5 billion in productive credit between 2026 and 2028, aligning its strategy with the federal government’s Plan México. The announcement underscores the growing role of private digital lenders in addressing structural financing gaps for SMEs.
Scaling SME Financing Nationwide
The planned capital deployment targets businesses that have historically struggled to secure funding from traditional financial institutions. Through this initiative, Konfío expects to reach around 85,000 companies nationwide, more than doubling the number of firms it has supported so far. If achieved, this expansion would position the company among the largest SME lending portfolios in the Mexican market.
Investment in Technology and Compliance
In parallel with credit expansion, the company will invest an additional USD 406 million to strengthen its technological infrastructure and compliance capabilities. The funding will be used to enhance risk management systems, improve data-driven underwriting, and reinforce regulatory readiness. This investment is also expected to support the creation of specialized, formal jobs within the financial services sector.
Established Track Record in SME Lending
Between 2024 and 2025, Konfío disbursed more than USD 986 million in financing to Mexican SMEs. By the end of 2025, the platform had supported nearly 80,000 businesses over more than a decade of continuous operations. These figures reflect steady growth and a consistent focus on underserved segments of the business population.
Impact on Financial Inclusion and Growth
A defining characteristic of the platform is its role as a first point of access to business credit for many entrepreneurs. Approximately 84 percent of its clients obtain their first-ever business loan through Konfío. Independent studies indicate that companies receiving financing report average post-loan sales growth of close to 20 percent, alongside increased formalization and employment.
Executive View on Productive Credit
Founder and chief executive David Arana Ley highlighted the need for more productive credit tailored to the realities of SMEs. He emphasized that responsible lending requires a combination of prudent financial criteria, advanced technology, and close engagement with business owners. According to the company, this approach allows private lenders to accelerate financial inclusion without jeopardizing system stability.
Advancing Toward a Banking License
A central pillar of Konfío’s long-term strategy is its pursuit of a full banking license in Mexico. The company aims to become a business-focused bank that combines the security of a regulated institution with the speed and flexibility of a technology platform. This model seeks to integrate capital custody, financing, and growth tools into a single ecosystem for SMEs.
Focus on Sustainable Profitability
Unlike consumer-oriented fintech models that prioritize rapid growth over financial performance, Konfío states that it operates on a sustainably profitable basis. Its technology not only allocates capital but also predicts repayment behavior and optimizes collections. This data-driven approach is designed to support long-term balance sheet strength while enabling continued expansion.
Commitment to Regulation and Governance
The company has reiterated its commitment to high regulatory standards, strong corporate governance, and robust risk prevention frameworks. It has also expressed readiness to collaborate closely with financial authorities as Mexico works to deepen and modernize its banking system. Management describes the pursuit of a banking license as evidence of operational maturity rather than a speculative future goal.
With a planned USD$2.5 billion credit push, significant infrastructure investment, and a clear regulatory roadmap, Konfío is entering a new phase of growth. The strategy positions productive credit as a cornerstone of shared economic prosperity for Mexican SMEs. If successfully executed, the initiative could materially strengthen competitiveness, formalization, and long-term growth across the country’s SME sector.