SOLRAC Capital is a private credit investment platform focused on financing Mexico’s next generation of non-bank lenders. We provide tailored capital to regulated financial institutions: SOFOMES, fintechs, and specialty finance companies with proven origination models and scalable credit portfolios. Our structure is simple: investors receive a fixed return, backed by secured loans and distributed through a robust fiduciary framework. Our mission is to fill the growing credit gap in Mexico by supporting responsible lenders that are often overlooked by traditional banks.

The private credit landscape in Mexico is evolving fast but still underpenetrated. While GDP credit penetration in developed markets averages over 100%, Mexico remains below 40%, with banks focused on prime borrowers and leaving a large swath of SMEs and individuals underserved. SOLRAC steps into this space by underwriting credit lines to lenders with data-driven models, strong governance, and demonstrated repayment behavior. We perform deep due diligence on each portfolio, requiring overcollateralization, cash sweeps, and covenants aligned with investor protection.

Our team combines institutional investment experience with local market insight. With a track record of deploying over MXN 4.5 billion in structured credit transactions, we bring rigor, speed, and flexibility to every deal. We target companies with monthly originations above MXN 10 million, audited financials, and clear paths to scale. From onboarding to monitoring, we treat every investment as a partnership, actively supporting our borrowers while maintaining strict compliance and performance oversight.