Facilities.
Structured on the collection flow of your own portfolio.

Funding lines.
Structured on the collection flow of your own portfolio.

Funding lines.
Structured on the collection flow of your own portfolio.

Estructuradas sobre el flujo de cobranza de tu propia cartera.

Estructuradas sobre el flujo de cobranza de tu propia cartera.

Estructuradas sobre el flujo de cobranza de tu propia cartera.

Funding the origination of new loans without diluting equity or relying on a single debt investor is one of the most common bottlenecks to scaling a portfolio.

Funding the origination of new loans without diluting equity or relying on a single debt investor is one of the most common bottlenecks to scaling a portfolio.

How it works

How it works

We structure a revolving line of credit backed by the collection flow of your portfolio.

Disbursements are made in accordance with the agreed operating parameters.

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.

Debt service is paid with the cash flow already generated by your own portfolio.

Structured for periodic clean-ups, not a loan that sits static until maturity.

Where it is used

Where it is used

Originators and SOFOMs with an active portfolio looking for capital to continue originating without relying solely on their own equity.

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Available in bundles

Non-dilutive credit funding

Are you looking to fund your portfolio without relying on a single debt investor?

Are you looking to fund your portfolio without relying on a single debt investor?

Originators and SOFOMEs with active portfolios are already structuring revolving lines over their own collection flow, with multiple drawdowns instead of a static credit until maturity.

Originators and SOFOMEs with active portfolios are already structuring revolving lines over their own collection flow, with multiple drawdowns instead of a static credit until maturity.

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