Finsus acquires Anticipa Tech to boost SME liquidity in Mexico

By Vriti Gothi

Finsus, a FinTech platform delivering innovative banking services to individuals and small and medium-sized enterprises (SMEs), has acquired the technology of Anticipa, a merchant cash advance platform, to address one of the primary barriers to SME growth: access to operating liquidity.

Anticipa specialises in advancing future flows of card sales to businesses, offering a fully digital solution designed to improve cash flow and operational agility. This acquisition strengthens Finsus’ commitment to providing SMEs with digital-first, tailored financial products that support growth and enable faster, more transparent access to capital.

The integration of Anticipa’s technology will enable Finsus to launch a new financing product offering upwards of $8,073, secured against a business’s card sales flow. Delivered entirely through a digital channel, the solution is designed to meet the specific needs of each enterprise, ensuring speed, simplicity, and alignment with modern SME operations.

By combining capabilities, Finsus reinforces its strategic position as a key player in Mexico’s regulated financial system, operating under the oversight of the National Banking and Securities Commission (CNBV) and in alignment with the Ministry of Finance and Public Credit’s vision for financial stability and inclusive economic development.

Mexico’s card payments market reached over USD 103 billion in 2023 and continues to grow at double-digit rates annually, with more businesses embracing card terminals and electronic payments. The merchant cash advance segment alone represents a market of over 400 billion pesos, offering significant potential to expand financial access and inclusion.

Carlos Marmolejo, CEO of Finsus, said, “The retail sector in Mexico is undergoing a digital transformation, but financial products haven’t kept pace. With a very low percentage of businesses qualifying for advance products in the traditional financial ecosystem, there is a real need for innovative, digital solutions that will improve financial inclusion for SMEs in Mexico, which are the backbone of our economy. This deal isn’t just about acquiring new technology; it’s allowing us to better understand small businesses and their everyday needs. In Mexico, millions of businesses make sales every day, but have no way to prove it to a bank in order to access financing. With this acquisition, we’re going to change that.”

Juan Fernández Casas, CEO of Anticipa, said, “Since its founding, Anticipa has placed more than $69,978 in advances to establishments and businesses that sell primarily to end consumers with bank cards, allowing them to meet their liquidity needs for working capital, business expansion and growth. With the shared vision of driving SME growth, we are excited to now be a part of Finsus, to provide financial solutions to the challenges faced by the Mexico’s SMEs.”

With this acquisition, Finsus advances its goal of redefining SME financing in Mexico, harnessing innovation and data-driven insights to create a more inclusive, competitive, and digitally empowered financial ecosystem.