Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada is a Mexican non-bank financial institution specializing in consumer and commercial financing. Structured as a multiple-purpose financial society (SOFOM ENR), the company operates under a framework that allows it to design and distribute credit products without being subject to traditional banking regulations. Headquartered in Mexico City, Crédito Real has built a platform aimed at bridging gaps in access to credit for individuals and small businesses across the country.
The company’s core offerings include payroll-deductible loans for employees of private-sector enterprises, unsecured personal loans, and specialized financing for micro, small and medium-sized enterprises (SMEs). In addition to these products, Crédito Real provides leases, factoring services, and auto finance solutions, tailoring its portfolio to meet the diverse needs of its client base. By leveraging data-driven underwriting and a network of more than 380 branches and service points, the firm seeks to deliver flexible credit options to underserved markets.
Crédito Real has also extended its footprint beyond Mexico through strategic alliances and subsidiaries in select Latin American markets. The company employs a hybrid distribution model, combining an extensive branch network with digital channels to enhance customer convenience and operational efficiency. Through these channels, borrowers can access pre-approval tools, manage loan applications online and receive support from a centralized customer service team.
Governance at Crédito Real is guided by a board of directors and an executive leadership team with extensive experience in finance, risk management and technology. The company places a strong emphasis on credit quality, regulatory compliance and social responsibility, aiming to drive financial inclusion while maintaining prudent risk controls. Crédito Real continues to explore product innovations and strategic partnerships to strengthen its market position and address evolving credit needs in the region.
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