funding gap emerging markets

Creze 13

  • Creze
  • Local partner investment
  • + 358 other investors
  • Dinora has been receiving funding from Creze for 6 years, which she uses to purchase inventory for her arts and crafts store. Through your investment, Creze can support approximately 10 SMEs similar to Dinora’s store, furthering its mission to bridge the financial gap in Mexico. *EUR/USD exchange rate risk*

    36 months
    1 months
    Maturity36 months
    Repayments1 months
      Fully funded in 10 days on 29 September 2023.
      Choose amount
      Invest from $10
      Complete funding
      Project will be fully funded


      Dinora left the corporate world to become an entrepreneur. Since then, access to credit has played an essential role for her. Her company 'Maikit' sells products to creatives looking for textile and craft materials and printing machines.

      While looking for financing to open her second store, Dinora came across Creze. Since then, she has been working with the financial institution for 6 years, from which she received financing to purchase inventory for her stores.

      Like Dinora, many SME entrepreneurs face great obstacles in obtaining traditional bank financing. Creze was established with the aim of closing this financial gap, and since its founding in 2015 it has already disbursed more than 68 million dollars (data as of the end of 2021) for Mexican entrepreneurs.

      Thanks to this loan, you contribute to promoting micro, small and medium-sized businesses in Mexico through accessible financing adapted to the needs of microentrepreneurs.

      What social return could your investment make?

      Mexico has 4 million SMEs, which represent 60% of the country's formal productive employment. However, more than half of these SMEs do not have access to the financing they need. Financial institutions like Creze help them overcome this hurdle by offering fast and flexible lending solutions through their digital lending platform.

      With this specific loan, Creze will be able to finance around 10 SMEs in Mexico active in the retail, industrial, technology, construction, transportation, and telecommunications sectors. Of the companies Creze finances, 25% are owned by women, who typically face greater challenges than men in obtaining business credit. Investing in Creze will contribute to reducing the SME financing gap, creating jobs and improving the livelihoods of Mexican entrepreneurs.  


      What financial return could your investment generate? 

      Click here for an example repayment schedule.

      • Annual interest: 7%
      • Maturity: 36 months
      • Principal grace period: 18 months. This indicates that the principal amount you lent won't start being repaid until after 18 months. However, even during this period, you'll earn interest. This interest will be paid to you monthly, starting from the first month
      • Monthly repayments: Repayments will be paid to you on a monthly basis. Given the 18-month grace period for the principal, your initial repayments will consist solely of the monthly interest. Starting from the 19th month, you will receive monthly payments of both principal and interest
      • Please consider that although you invest in EUR, the loan is in USD, so there is a risk of exchange rate fluctuations between dollars and euros. For more information please visit our currency page.

      The story of Creze

      Creze (officially Prestadora de Servicios Ciclomart, SAPI de CV) is a balance sheet lender founded in 2015 and based in Mexico City that originates loans to small and medium-sized businesses (SMEs) throughout Mexico. As of late April 2021, Creze had disbursed over $68 million USD since its origin, with an outstanding book of just over $17 million USD. The average loan amount is $19,500 USD, the average loan term is 12 months, and almost 90% of loans are paid biweekly.

      The company provides principal loan products focused on offering working capital to SMEs, serving a varity of industries. Creze is a digital lender that has built an in-house platform that enables a fully online loan application process with approval times between 24 and 48 hours.

      Additionally, Creze is backed by two renowned family offices in Mexico and has attracted several institutional lenders.

      There are currently over 60 people working at Creze. The founding management team is highly experienced and is made up of a mix of entrepreneurs and former employees of the finance and microfinance sector.

      Creze in numbers

      • Founded in 2015
      • 60 employees
      • Disbursed 5,042 loans for a total of USD 160,000,000 since inception
      • Current outstanding loan amount USD 48,000,000
      • About 25% of their borrowers are female
      Company nameCreze 13
      CEODiego Creel
      LocationMexico City
      SectorWholesale / Retail
      Credit Score3.17


      Mexico has 4 million SMEs, representing 60% of the formal productive employment in the country. Yet more than half of these SMEs don’t have access to the financing they need. Financial institutions like Creze help them overcome this hurdle by offering quick and flexible loan solutions through their digital lending platform.

      Even entrepreneurs who can’t present formal credit history are welcome to apply for a small loan. Creze’s goal is to leave no SME behind in the funding gap. They offer entrepreneurs a fully online and digital loan application process with 24-48 hour approval windows. Their working capital loans enable SMEs to create jobs, grow their businesses, thusly reducing poverty.


      SDGs impacted

      With this project you are contributing to the following Sustainable Development Goals:

      SDG 1 - No poverty

      SDG 8 - Decent work and economic growth

      Read more about the impact you can make through our platform and the SDGs on our impact page.


      Related blog posts

      Read the introduction of Creze as a new investment opportunity here.

      Meet entrepreneurs Dinora and Eduardo here and learn how they grow their businesses with a loan from Creze.

      Want to learn more about how financial inclusion can thrive entrepreneurship? Read here.

      • With this investment 10 jobs are created
      • With this investment 50 lives are improved

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