About Finsus and Its Relevance
Finsus, part of the Sociedad Financiera Popular (Sofipo), has reported a 64% increase in its user base, growing from approximately 365,000 users at the end of 2024 to over 600,000 by the end of 2025. This growth occurred during a regulated digital operation with entirely Mexican capital, crucial for obtaining authorization as a multiple bank.
Credit Segment Performance
In the credit segment, Finsus saw a 76.9% increase in financing provided to small and medium-sized enterprises (SMEs). The financiera moved from disbursing around 21,000 credits at the end of 2024 to over 37,000 by the end of 2025, with nearly 13 billion pesos in placements. These results positioned Finsus as the Sofipo with the highest SME credit placement, according to regulatory reports from the National Banking and Securities Commission (CNBV).
Leadership Insights
Carlos Marmolejo, Finsus’ executive director, explained that while the rest of the sector has leaned towards consumer credit, Finsus maintains 90% of its portfolio focused on SMEs. This approach has resulted in a delinquency rate of 1.8%, reflecting the strength and discipline in their credit model.
“What has set us apart in the market is our ordered growth, oriented towards profitability and careful credit placement. This approach, supported by technology use, has allowed us to diversify: today we offer digital credit to SMEs while also promoting agro-digital credits. This addresses one of Mexico’s most neglected productive sectors, which is income-generating, profitable, and long overlooked,” Marmolejo stated.
Marmolejo also highlighted that the company has been consistently capitalized by its shareholders, enabling it to reach nearly 4 billion pesos in social capital.
Financial Performance and Expansion
Finsus reported positive results starting from the first quarter of 2025, thanks to its financial model. This performance complements the operational advances registered throughout the year.
Regarding its coverage, Finsus mentioned it has a presence in 64% of municipalities with fewer than 15,000 inhabitants through digital solutions for savings, investments, and credit. The goal is to expand formal financial services access in areas with lower coverage.
Future Plans
Based on these achievements, Finsus continues its transition to a digital banking model and expects to obtain its license within this year.
Key Questions and Answers
- What is Finsus? Finsus is a part of Sociedad Financiera Popular (Sofipo) focusing on digital financial services.
- Why is Finsus’ growth significant? The 64% user base increase indicates expanding reach and relevance in the Mexican financial market.
- What is Finsus’ credit segment performance? Finsus saw a 76.9% increase in SME credit disbursements, totaling over 37,000 credits and nearly 13 billion pesos in placements by the end of 2025.
- What sets Finsus apart from competitors? Finsus maintains a 90% portfolio focus on SMEs, resulting in a low delinquency rate of 1.8% and demonstrating a disciplined credit model.
- What are Finsus’ future plans? Finsus aims to become a multiple bank and obtain its license within the year, continuing its digital transformation.
