Structured funding lines
Tailored Structured Financing
Institutional facilities for leasing companies: specialized funding for companies offering operating and finance leases, secured by the assigned portfolio, which also serves as the source of repayment.
The third line
Institutional Structuring for Companies Already Operating at Scale
A solid leasing company doesn't need a generic loan: it needs a counterparty that understands structured finance. FIMUBAC has taken its own portfolios to six public securitizations and operates structured bank facilities — we've been on both sides of the table. We apply that same standard when designing your line: administration trusts, reasonable collateral coverage, and amortization schedules aligned with your collections and your lessees' future cash flows.
Lease Receivables Monetization
Turn your active lease contracts into immediate liquidity so you can keep originating without waiting for lease payments to come in.
Working Capital
Fund the growth of your business — more assets, more contracts — with a term matched to the life of your portfolio.
Restructuring and Bridge Financing
Restructure your liabilities or bridge to a larger transaction with a structure built around your cash flows, not against them.
Indicative terms
Key Facility Terms
General parameters for leasing-company financing; each line is tailored to the assigned portfolio.
- Facility amount
- MXN 10 million to MXN 100 million
- Availability (drawdown) period
- Up to 18 months
- Term
- Matched to the assigned portfolio, up to 60 months
- Payment frequency
- Monthly
- Interest rate
- Fixed or floating, 18%–22%
- Minimum collateral coverage (aforo)
- 1.20x
- Use of proceeds
- Monetization of the borrower's lease contracts
- Collateral
- Assigned portfolio + guarantee (aval) from the principal shareholders + the company
Requirements
What You Need to Get Started
One year in business and a portfolio to assign — from underwriting to first drawdown, our team structures the facility with you.
01
Applicant Profile
- Companies (personas morales) and individuals with business activities (personas físicas con actividad empresarial)
- At least one year in business
- Good credit history
- Guarantor (aval) or joint and several obligor (obligado solidario)
02
Documentation
- Articles of incorporation recorded with the Public Registry of Property and Commerce (RPPC) (companies only)
- Tax status certificate (Constancia de Situación Fiscal, issued by SAT)
- 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.