Amicred

Amicred is a Variable Capital Investment Promotion Public Limited Company (Sociedad Anónima Promotora de Inversión de Capital Variable or SAPI de CV), specializing in credit card debt repair.

• Solution Specifics: Amicred offers three innovative products for credit card debt repair.
A) Savings Plan: Our revolutionary proposal helps clients tackle their debts intelligently and effectively. We provide exclusive and personalized discounts on their debts, creating a savings plan tailored to their financial capacity. Clients make monthly contributions over a specific period, ensuring they pay no more than 30% of their monthly income. Additionally, leveraging our strong alliances with financial institutions, we secure even greater discounts for the benefit of both clients and our company.
B) Financing Plan: Committed to our clients' credit rehabilitation, if we secure a discount exceeding 70% on their debt, we offer a unique and attractive solution: immediate debt settlement and a 12-month loan with a fixed interest rate. This swift and efficient approach allows clients to exit the Credit Bureau blacklist in just 45 business days, with only one recorded settlement. Furthermore, by meeting payments on this new credit, their credit scores immediately strengthen, providing an exceptional opportunity to improve their financial situation.
C) Personal Loan: Recognizing the loyalty and good credit history of our clients, those who fulfill their commitments promptly with our initial products are pre-approved for a personal loan with a fixed interest rate. This loan is an excellent opportunity for clients to meet their individual financial needs while offering a transparent and convenient experience.

• Differentiation: Our technological platform streamlines the entire process, from credit analysis to contract signing, enabling us to serve clients throughout Mexico quickly and online. Our financing products set us apart by providing a faster exit from debts and rapidly improving clients' credit history, making them eligible for better credits and rates.

• Market Size: With data from the National Banking and Securities Commission, we know that the annual market for credit card debts in Mexico exceeds 70 billion pesos, with the highest credit card IMORA rate in the country's history (19%). This presents a significant opportunity to target this sector.

• Business Model Sustainability: Our revenue comes from opening and monthly fees, discounts obtained in savings plans, as well as interest on the financing and personal loans. Our 5-year plan includes becoming a SOFIPO to finance credits granted to clients and to have a portfolio of higher-caliber clients.

• Financial Education: Amicred provides personalized financial advice through our agents, along with a blog and informative videos on our social media, helping clients better manage their finances and avoid future unmanageable debts.

With these unique characteristics and a growing market, Amicred positions itself as an attractive opportunity for investors seeking a solid and growth potential business in the financial sector in Mexico.