Mexican fintech Finsus has acquired the merchant cash advance platform to tackle one of the main barriers to SME growth: operating liquidity
Finsus, a leading Mexican fintech platform providing banking services to people and SMEs, has acquired the technology of Anticipa, a merchant cash advance platform.
Anticipa is a fintech platform specialised in advancing future flows of card sales to businesses, addressing the main barrier to SME growth: operating liquidity. Its digital product complements Finsus’ vision to provide SMEs with digital-first financial solutions that can help them to grow.
The acquisition will enable Finsus to launch a new product aimed at tackling one of the biggest challenges facing SMEs: fast, transparent access to liquidity solutions. Finsus will provide SMEs with financing upwards of $150,000 MXN, secured against their card sales flow and delivered through a fully digital experience tailored to each business’s unique needs.
The deal reinforces Finsus’ position as a key player within the Mexican financial system, operating under the regulation of the National Banking and Securities Commission (CNBV) and aligned with the Ministry of Finance and Public Credit’s commitment to financial stability and inclusive economic growth.
Total card payments in Mexico exceeded $103bn USD in 2023, and continue to grow at double-digit rates annually, as more businesses adopt card terminals and increase electronic payments. Advancing card sales is a dynamic sector, worth over 400bn pesos.
Finsus’ strategy is to provide much-needed services to Mexico’s unbanked, prioritising productive loans to SMEs to turbocharge the Mexican economy and improve financial inclusion. Integrating these services into Finsus’ platforms will drive continued growth and expansion and play a key role in Finsus’ strategy to become the leading player in liquidity and financing solutions for SMEs in Mexico.
The deal follows Finsus’ acquisition of Pulpi in 2024, a company that offers payroll advances and credit to employees.
Carlos Marmolejo, chief executive officer of Finsus said: “The retail sector in Mexico is undergoing a digital transformation, but financial products haven’t kept pace. With a very low percentage of businesses qualifying for advance products in the traditional financial ecosystem, there is a real need for innovative, digital solutions that will improve financial inclusion for SMEs in Mexico, which are the backbone of our economy.
“This deal isn’t just about acquiring new technology; it’s allowing us to better understand small businesses and their everyday needs. In Mexico, millions of businesses make sales every day, but have no way to prove it to a bank in order to access financing. With this acquisition, we’re going to change that.”
Juan Fernández Casas, chief executive officer of Anticipa commented: “Since its founding, Anticipa has placed more than $1.3bn pesos in advances to establishments and businesses that sell primarily to end consumers with bank cards, allowing them to meet their liquidity needs for working capital, business expansion and growth.
“With the shared vision of driving SME growth, we are excited to now be a part of Finsus, to provide financial solutions to the challenges faced by the Mexico’s SMEs.”
Image: Dennis Schrader on Unsplash
Robert Welbourn
Robert Welbourn is an experienced financial writer. He has worked for a number of high street banks and trading platforms. He's also a published author and freelance writer and editor.
