Yotepresto
“Can a regulated P2P marketplace remain the credible non-bank alternative for Mexico's underbanked credit demand as larger fintechs and neobanks move into consumer lending?”
Founded2014
HQZapopan, Jalisco, Mexico
Total raised$1.8M
Latest roundSeries A
IndustryFintech / Lending
The story
Yotepresto (operating entity Comunidad de Préstamos, S.A.P.I. de C.V.) was founded in 2014 as a peer-to-peer lending marketplace targeting underbanked Mexicans who pay punitive bank rates. Following the 2018 Ley Fintech, it became one of the first companies authorized as an Institución de Financiamiento Colectivo (P127/2021), regulated by CNBV, Condusef and Banxico. Its product remains narrow — personal/business loans up to MXN $425,000 funded by retail investors starting at MXN $200 — but it now reports over 4M registered users and >MXN $5B in loans originated.
Last 12 months
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Product timeline
2014
Founded in Zapopan, Jalisco as a P2P lending marketplace connecting Mexican borrowers with retail investors.· lending
2021
Received CNBV authorization as Institución de Financiamiento Colectivo (authorization P127/2021) under Mexico's Ley Fintech.· lending
2024
Recognized by Condusef as one of 4 crowdfunding fintechs complying with transparency standards.· lending
Regulated entities
1
regulatory licence held by Yotepresto
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Yotepresto’s embedded-finance stack
Payments / PSP
Yotepresto P2P disbursement (self-operated via Mexican bank accounts)
Banking / BaaS
in the full report
Lending
in the full report
Accounting gap: none
8 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.