Fund your credit portfolio without diluting your own capital, ready to scale.

Fund your credit portfolio without diluting your own capital, ready to scale.

Fund your credit portfolio without diluting your own capital, ready to scale.

Funding the origination of new loans without diluting your own equity, and without building the disbursement infrastructure yourself, is one of the most common bottlenecks to scaling a portfolio.

Funding the origination of new loans without diluting your own equity, and without building the disbursement infrastructure yourself, is one of the most common bottlenecks to scaling a portfolio.

How it works

How it works

We structure a funding line backed by your portfolio's cash flow.

You disburse each credit via SPEI or cash, with connected dispersion.

The collection flow is automatically applied to the line service, with surpluses returned to your operation.

Key benefits

Key benefits

Revolving line with multiple drawings, not a one-time loan.

Disbursement via SPEI or cash, covering both banked and unbanked customers.

If you also need to manage and collect the portfolio on a daily basis, it is complemented by Servicing.

Industries

Industries

SOFOMs (Multiple Purpose Financial Societies)

Lenders

Products included

Facilities

Credit as a

service

Credit

Infrastructure

Are you looking to fund your credit portfolio without diluting your own equity?

Are you looking to fund your credit portfolio without diluting your own equity?

Lenders and SOFOMEs are already funding their portfolios without diluting their own capital or building their own disbursement infrastructure. This can be combined with Servicing if you also need to manage and collect the portfolio on a day-to-day basis.

Lenders and SOFOMEs are already funding their portfolios without diluting their own capital or building their own disbursement infrastructure. This can be combined with Servicing if you also need to manage and collect the portfolio on a day-to-day basis.

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy