Fintech service Finsus reinforces its Small and Medium Enterprise offerings by acquiring Anticipa
Finsus, a leading Mexican fintech platform, has recently taken a significant step forward in its mission to improve financial inclusion for small and medium-sized enterprises (SMEs) in Mexico. The company has acquired the technology of Anticipa, a merchant cash advance platform, to expand its SME liquidity solutions [1][2][3].
Carlos Marmolejo, CEO of Finsus, highlighted the need for innovative, digital solutions to address the digital transformation in Mexico's retail sector. He pointed out that while the sector is undergoing a digital revolution, financial products have lagged behind [1].
Anticipa specialises in advancing future flows of card sales to businesses. Founded in 2019, the platform has facilitated over 1.3 billion Mexican pesos in business advances [1][2][4]. Juan Fernández Casas, CEO of Anticipa, expressed excitement about the acquisition, stating that Anticipa's mission is to help businesses meet their liquidity needs for working capital, business expansion, and growth [4].
The acquisition aligns with Finsus' strategic focus on Mexico's unbanked and under-served small business segment. With the integration of Anticipa's technology, Finsus aims to change the situation for businesses that struggle to access financing in the traditional financial ecosystem [3]. A very low percentage of businesses qualify for advance products in the current system [3].
Total card payments in Mexico exceeded USD 103 billion in 2023 and continue to grow at double-digit rates annually, making the sector a dynamic one worth over 400 billion pesos [1][4]. This growth presents an opportunity for Finsus to launch a new digital financing product that offers SMEs fast and transparent access to cash advances secured against their future card sales [1][2][4]. Financing upwards of $150,000 MXN will be available through a digital experience tailored to each business's needs [1][3].
The acquisition reinforces Finsus' position as a key player within the Mexican financial system and aligns with the Ministry of Finance and Public Credit's commitment to financial stability and inclusive economic growth [1][5]. In addition to the Anticipa acquisition, Finsus has previously acquired Pulpi in 2024, a company that offers payroll advances and credit to employees [3].
Integrating Anticipa's services into Finsus' platforms will drive continued growth and expansion, enabling Finsus to offer a comprehensive suite of financial services to SMEs in Mexico [2]. Marmolejo emphasised that this acquisition is a significant step towards Finsus' ambition to be Mexico’s first homegrown digital neobank, enhancing its portfolio that combines investment and savings accounts with various credit options [1].
In summary, the acquisition of Anticipa's technology by Finsus marks a significant milestone in the Mexican SME liquidity market. It addresses a major barrier for small businesses: access to operating capital. The new financing product targets SMEs that often cannot prove steady sales to traditional banks to obtain financing, thus filling a critical financing gap with a fully digital, tailored experience [1][3][4].
Fintech platform Finsus, in line with its mission, has acquired Anticipa's merchant cash advance technology to offer innovative digital financing products, aiming to fill a critical financing gap for small and medium-sized enterprises (SMEs) in Mexico's unbanked and under-served segment, accelerating their access to working capital, expansion, and growth. Anticipa's specific expertise in advancing future card sales will be crucial in facilitating fast and transparent access to cash advances secured against SMEs'future card sales.
