Partnership model
Revenue-Sharing Funding
FIMUBAC funds your origination and the portfolio's revenue is shared. You bring the payroll agreement and the sales force; we bring the capital and the structure.
The model
A True Partnership: Shared Upside, Shared Downside
In traditional funding, the intermediary pays interest and bears all other risks on its own. Not here: FIMUBAC contributes the capital, you contribute origination and servicing, and the portfolio's results are split in the same proportion — the same share of interest collected and the same share of losses. That's why we only fund portfolios we believe in: our incentives are fully aligned with yours — a healthy portfolio, timely collections, and growth supported by additional funding.
Step by step
- 1
FIMUBAC and the intermediary partner on the portfolio: we contribute the capital; the intermediary contributes origination and servicing under its payroll agreements.
- 2
That capital funds payroll-deduction loans to government employees and retirees.
- 3
Collections — direct payroll deduction under the payroll agreement — feed the portfolio's results.
- 4
Results are split equally: the same share of interest collected and the same share of losses. Shared upside, shared downside.
Facility terms
Indicative Terms
Specific terms — revenue-sharing percentages and the administration structure — are tailored to your business; below are the general parameters of our funding lines.
Illustrative example for informational purposes only. Each line is structured based on an individual analysis of the project, and final terms may vary.
- Facility amount
- From MXN 10 million
- Term
- Up to 72 months
- Payment frequency
- Monthly
- Disbursement method
- Electronic funds transfer (TEF / SPEI)
- Geographic coverage
- Nationwide (all 32 federal entities)
- Interest rate
- Fixed or floating
- Use of proceeds
- Working capital to fund loan originations
- Drawdown fee
- 1%–4%
- Prepayment fee
- 0%–4%
- Origination fee
- Up to 2%
Average CAT (Costo Anual Total, the total annual cost of credit), for informational purposes: 23.7% excluding VAT
For informational and comparison purposes only. Valid through December 1, 2026. Calculation date: June 1, 2026. No other product or service is associated with this product.
Requirements
What You Need to Get Started
The same entry requirements as any funding line; the collateral structure is adapted to the partnership model.
01
Applicant Profile
- Companies (personas morales) that originate payroll-deduction loans
- At least one year in business
- Good credit history
- Guarantor (aval) or joint and several obligor (obligado solidario)
02
Collateral Structure
- Assignment of the collection rights to the portfolio
- An irrevocable administration and source-of-repayment trust
03
Documentation
- Articles of incorporation recorded with the Public Registry of Property and Commerce (RPPC)
- Tax status certificate (Constancia de Situación Fiscal, issued by SAT)
- Shareholders' meeting minutes and powers of attorney
- Official ID of the legal representative
- Proof of address
- Financial statements and annual tax return
Let's Talk About Your Funding Line
Our team will review your business and structure a facility tailored to it — no one-size-fits-all terms.