Our manifesto

More Than Finance: Your Future.

In finance, many talk, but few truly deliver. At FIMUBAC, we don't just keep our promises — we exceed them. We transform lives, businesses, and futures.

Who we are

18 Years of Lending Done Right

2008
year founded
1,000,000+
loans granted
32
federal entities (31 states and Mexico City)
AAA
local-scale issuance ratings from Fitch, HR Ratings, and Moody's Local

Data as of October 2026; loans granted as of July 14, 2026.

Founded in May 2008, FIMUBAC is a Mexican non-bank financial institution (SOFOM, E.N.R.) and a leader in specialized lending, with a diversified model: payroll-deduction loans through payroll agreements, wholesale (second-tier) funding for financial intermediaries, and structured funding lines for leasing companies.

We pursue disciplined growth, supported by sound processes, robust risk management, and a proven track record of managing high-quality portfolios — now reinforced by AAA ratings from three agencies on our public debt issuances.

Through our payroll-deduction loan brand, Credenz, and the intermediaries we fund through wholesale funding, we have granted more than one million loans that help Mexican families reach their goals. We have also been the #1 SOFOM in ASOFOM's national ranking for seven consecutive years.

Mission

To offer the best payroll-deduction loans, delivering excellent client service grounded in strong ethical values, promoting financial inclusion, and acting with the utmost sense of urgency, innovation, teamwork, and an unmatched client focus.

Vision

To be the most recognized company in Mexico's payroll-deduction lending sector for our profitability, operational efficiency, personal touch, and the unmatched level of service we provide to our clients.

Values

The Four Values That Define Us

Sense of Urgency

Always ready to act and respond quickly. Doing things right the first time, with quality and excellence, is our competitive advantage: we work against the clock to disburse funds quickly and efficiently.

Innovation

Innovation is the engine that keeps us growing. We continuously improve processes, systems, and technology — from digital origination to artificial intelligence — to deliver the best solutions.

Client Focus

Our clients are at the heart of everything we do. We build long-term relationships and constantly seek their satisfaction through service excellence and leading-edge technology.

Teamwork

Together we achieve better results. We foster collaboration across all departments and levels, and we recognize both individual and collective achievements. Our people are passionate and committed.

Management team

Proven Experience in Credit, Risk, and Capital Markets

Alberto Alvo R.

Chief Executive Officer

David Moel

Chief Business Officer

Jorge Fitzpatrick

Chief Financial Officer

Rafael Meraz

Chief Commercial Officer

Cristina Duarte

Compliance Officer

Cesar Peregrina

Chief Innovation and Technology Officer

Group and memberships

Affiliations That Hold Us to a High Standard

Grupo BBG

We are part of one of Mexico's most prominent multinational conglomerates, with a history of more than 25 years and operations in telecommunications, finance, hospitality, retail, and energy.

AMDEN

We have been members of the Mexican Association of Payroll Lending Companies (AMDEN) since 2013. Its self-regulatory standards enable us to operate with transparency, disclosure, and accountability.

Socially Responsible Company (ESR)

Recognized with the ESR (Socially Responsible Company) distinction since 2019, with a public annual social responsibility report and dedicated internal committees.

Made in Mexico

We are a proudly Mexican company. We believe in lending done right: responsible, close to people, and designed for the realities of the country.

Learn more about us