About Ximple

Our Mission

We exist to close the credit gap for Mexican small businesses.

Over 4 million Mexican SMEs are underserved by the formal financial system. They're too big for microloans, too small for bank loans, and too busy to navigate mountains of paperwork. Ximple was built for them.

We use embedded finance infrastructure and alternative credit scoring to evaluate businesses on what matters — their actual commercial activity, not just their credit history. The result is faster approvals, lower rejection rates, and credit that's genuinely accessible to the working business owner.

Our mission is simple: every Mexican small business that wants to grow should have access to the capital it needs to do so.

Our Journey

How Ximple Was Built

From a bold idea in Mexico City to a licensed fintech trusted by thousands of SMEs across the country.

2020

Founded in Mexico City

Daniel Sujo and co-founders identify the $60B credit gap in the Mexican SME market and begin building Ximple's alternative credit scoring engine in a small CDMX office.

2021

SOFOM License Granted

Ximple receives its Sociedad Financiera de Objeto Múltiple (SOFOM) E.N.R. license from the CNBV, enabling regulated lending operations across Mexico. Seed funding secured from Lotux VC.

2023

Product Launch & Scale

The Ximple Card launches nationally. Oxxo payment integration goes live, enabling SMEs in any municipality to make repayments at 20,000+ locations across Mexico.

2024

10,000 SMEs Funded

Ximple crosses the milestone of 10,000 active business customers and $500M MXN disbursed. Customer satisfaction reaches 95% — well above the industry average of 67%.

Our Values

What Drives Us Every Day

Four principles guide every product decision, every credit policy, and every customer interaction at Ximple.

Transparency

No hidden fees. No confusing fine print. Every rate, term, and condition is stated clearly before you apply.

Speed

Your business can't wait weeks for a credit decision. We deliver answers in hours, not months.

Accessibility

Credit should be available to businesses in every state, every sector, and at every stage of growth.

Partnership

We succeed only when our customers succeed. Our credit improves as you build your repayment track record.

Investor Confidence

Backed by Lotux VC

Ximple's seed round was led by Lotux VC, one of Latin America's leading fintech-focused venture capital funds. Their investment validates not just Ximple's technology, but our thesis: that the $60 billion credit gap in the Mexican SME market is solvable — and solvable now.

Lotux VC brings deep expertise in embedded finance, regulatory strategy, and Mexican financial markets, partnering with Ximple's founding team to build a company that will define the next chapter of SME credit in Mexico.

Seed funding · Round disclosed 2021

Seed Investor

Lotux VC

"Ximple is addressing one of the largest underserved markets in Latin America. Their approach to alternative credit scoring is technically sophisticated and commercially compelling."

— Lotux VC Investment Committee