Paid straight
from payroll
The employer or payroll office deducts the installment before paying the salary or pension. The borrower doesn’t decide whether to pay this month.
Private credit backed by payroll-deduction loans
Finmobil acquires portfolios of loans repaid through direct payroll deduction, funded with capital from institutions, investment firms and family offices.
For investors
Model your investment cash flows.
The rate must be between 6% and 24% per year.
Monthly payment
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Total interest
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Total received
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Illustrative simulation. For institutional and professional investors only.
For originators
Turn your payroll-loan portfolio into liquidity and lend more.
- Recurring portfolio purchases
- You keep servicing collections
- Fiduciary structure from the first purchase
Write to us at info@finmobilsas.com
Segregated trust
Ring-fenced assets
Portfolio and collections held off Finmobil’s balance sheet.
Aligned originator
Holdback and repurchase
The seller shares the portfolio risk.
Eligibility
Limits per payroll payer
Criteria set before every purchase.
Traceability
Tokenized registry
Collections and delinquency, loan by loan.
The thesis
An asset paid at the source, and short of capital
Paid straight
Stable, granular
cash flows
Thousands of small loans spread across payroll payers, with low correlation to public markets.
Originators
short of funding
Credit unions and originators have loan demand they can’t meet for lack of liquidity. That’s where we buy.
How it works
From capital to portfolio, and back
Funding
The investor lends to Finmobil through a private debt instrument with a set rate, term and payment schedule.
Structure and protections
Built to protect capital before it earns
Asset segregation, originator alignment and visibility into the underlying asset.
Segregated trust
The portfolio and its collections sit in a fiduciary vehicle (patrimonio autónomo), separate from Finmobil’s and the originator’s balance sheets.
Aligned originator
A holdback on part of the purchase price and an obligation to repurchase loans that fail the criteria.
Eligibility criteria
Limits per borrower, payroll payer and originator; loan rate, term and profile set before each purchase.
Full traceability
Tokenized registry of the portfolio, with loan-level reporting on collections, delinquencies and prepayments.
Simulator
Payment schedule
Updates with the amount, rate and term you choose above.
Your investment
PeriodInterestPrincipalPaymentCumulative
Total
Enter the amount and rate to see the schedule.
Illustrative simulation using simple interest on principal, before taxes and withholdings. It is not an offer and does not guarantee returns; final terms depend on each transaction’s documentation.
For investors
Who it’s for
Financial institutions
Investment firms
Family offices
High-net-worth investors
Private debt funds
Full terms, the financial model and portfolio history are shared in the investment memorandum and data room, under a non-disclosure agreement.
Indicative terms
InstrumentPrivate debt
Minimum ticketNegotiable
Target return6% – 24% per year, by transaction
Term6 to 60 months
Interest paymentsMonthly, quarterly, semiannual or at maturity
CurrencyCOP, MXN or USD
Indicative terms, subject to final documentation.
Risks
We know them, and we manage them
Credit
Borrower job loss or death. Mitigated with insurance, diversification and concentration limits.
Payroll payer
Employer delays in remitting collections. Mitigated with per-payer limits and monthly monitoring.
Originator
Servicing failures or weak portfolio quality. Mitigated with due diligence, holdbacks and a backup servicer.
Regulatory and FX
Regulatory or exchange-rate changes in Colombia and Mexico. Detailed in the investment memorandum.
For originators
Originating payroll-deduction loans? Let’s talk
Credit unions and originators in Colombia and Mexico that want to lend more without waiting for their portfolio to mature.
- Recurring portfolio purchases, not one-off deals.
- You can keep servicing collections and your client relationships.
- Fiduciary structure and standard documentation from the first purchase.
Let’s build a long-term partnership
We want to understand your operation and explore how we can grow together. Write to us and we’ll set up a call with our team.
To move faster, tell us:Entity and country · Payroll-loan portfolio balance · Main payroll payers · Historical portfolio performance
Write to usor directly at info@finmobilsas.com
About
Who we are
Finmobil S.A.S. is a Colombian company headquartered in Bogotá. We buy payroll-deduction loan portfolios in Colombia and Mexico and fund them with private debt from institutions, investment firms and family offices.
Headquarters
Bogotá, Colombia
Markets
Colombia and Mexico
Business
Payroll-loan portfolio purchases
Funding
Private debt from professional investors
Team
Vision & leadership
Alejandro Vélez
Founder & CEO
Daniel Botero
Co-founder & CFO
Mónica de Brigard
COO
Business development
Regional team
Santiago Quintana
Business Development Director
Colombia
LinkedIn ↗Patricia Scott
Business Development Director
Mexico
LinkedIn ↗Jim Cardins
Director, Family Office Relations
United States
LinkedIn ↗Andrés Rodríguez
Business Development Director
Canada
LinkedIn ↗Partners and advisors
We work with names investors already know
Fiduciaria BancolombiaFiduciary
Audit · Colombia and Mexico
Legal counsel
Investors
Request the investment memorandum
Tell us about your institution. We’ll reach out to schedule a meeting and share the data room.