Whether you need a revolving credit line for everyday purchases or a lump-sum loan for a major investment, Ximple has a product built for your business stage.
A revolving business credit line that grows as you repay. Use it at catalog partners, suppliers, and over 20,000 Oxxo payment points nationwide.
A fast working capital loan for larger, one-time needs — inventory purchases, equipment, seasonal stocking, or business expansion.
Our application process was designed to be completed on a mobile phone during a lunch break. No branch visits, no fax machines.
Complete our 5-minute application on your phone or computer. We need your INE and basic business details — nothing more.
Our credit engine analyzes your application using alternative data signals. Most decisions are returned in under 15 minutes.
Review your credit offer and sign your agreement digitally. No printing, no notary, no branch visit required.
Your Ximple Card or loan funds are available immediately. Start purchasing inventory and managing payments from your phone.
Our eligibility requirements were designed to include, not exclude. If you run a business in Mexico, you likely qualify.
No existing credit history required. No guarantors. No collateral for loans up to $20,000 MXN.
Check My Eligibility| Feature | Ximple | Bank |
|---|---|---|
| Approval Time | 15 min – 48 hrs | 2–8 weeks |
| Credit History Required | No | Yes |
| Annual Fee | None | $500–$2,000 MXN |
| Collateral | Not Required* | Often required |
| Repayment Flexibility | Weekly | Monthly |
| Application | 100% Online | In-branch |
*For loans up to $20,000 MXN. Higher amounts subject to additional review.
Ximple credit is accepted at hundreds of suppliers, catalog brands, and payment points across Mexico.
Everything you need to know about applying, repaying, and growing with Ximple credit.
The application takes 10 minutes. Most businesses get a decision the same day.
Start My Application →