• 72% of loans in the Mexican financial sector are provided by the four largest commercial banks
• The terms and conditions of the largest banks are standardized, so SMEs are struggling to meet those terms, reducing their ability to have credit approval and obtain traditional financing
• Traditionally, banks require additional collateral, taking another credit profile. Funding through suppliers and creditors is the most commonly used by Mexican companies​
• The financing structure of large, medium and small Mexican companies is commonly focused on non-bank loans, obtaining more than half of its financing needs with suppliers and about a third from the banking sector

• The strict investment guidelines of institutional investors in Mexico, have limited access to financing through debt issuances in the local market to Mexican companies with investment credit rating
• According to various international and national organizations, one of the biggest challenges for Mexico is to improve the credit environment in the country, facilitating access to financing for Mexican companies and contributing to stability and economic growth in the country
• Since most of the loans in the financial sector are standardized in terms and conditions, there is an opportunity for new intermediaries to innovate in structuring loans and generate benefits for companies that need new financing