For borrowers

Capital that grows with your business.

We provide senior, secured, asset-backed facilities to companies that originate or own pools of cash-flowing assets: loans, receivables, leases, or contracts. As your assets grow, our facilities grow with them, so you can fund your expansion without diluting your equity.

Start a conversation → See our process

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Who we finance

We back businesses powered by financeable assets.

If you generate predictable cash flows from assets, we can likely structure a facility around them – whatever label your business wears. Our partners span Latin America and Asia.

Fintech lendersNon-bank financial institutionsFactoring companiesLeasing platformsSpecialty finance companiesOperating companies with receivables or inventory

Common structures include:

A group of Vexi clients, one holding her Vexi credit card — Photo courtesy of Vexi

Consumer & SME loan portfolios

Warehouse and forward-flow facilities for lenders originating consumer or small-business credit.

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Trade & commercial receivables

Facilities secured by invoices and factored receivables from creditworthy payors.

A Millennium Mobility client with her fleet of leased vehicles — Photo courtesy of Millennium Mobility

Equipment, vehicle & asset leases

Facilities backed by lease contracts and the underlying leased assets.

Why partner with Accial

Built to help you scale.

Proprietary technology that lightens reporting

ORCA, our proprietary technology, verifies, analyzes, and monitors your portfolio automatically, improving your decision-making and lightening the reporting load on your team.

Credit and data expertise on call

Think of us as an outsourced credit-risk and data-science team focused exclusively on emerging markets, ready to weigh in whenever you need a second opinion.

A pathway to future capital raises

We help you access cheaper capital as you grow, and lay the groundwork for future equity and debt raises with senior allocators.

What we look for

The five things we look for.

We underwrite based on the quality of your assets and the discipline behind them.

The team at Millennium Mobility, a lender Accial Capital finances — Photo courtesy of Millennium Mobility

Financeable assets: A growing pool of loans, receivables, leases, or contracts with identifiable, recurring cash flows.
Track record and scale: Demonstrated origination and collections history, seasoned through at least one credit cycle, plus enough current or near-term volume to support a structured facility.
Competitive edge: Clear advantages in client acquisition, underwriting, collections, or borrower loyalty that give you stronger control of credit risk.
Data & controls: Reliable asset-level data and operational controls we can diligence and monitor.
Alignment: A committed team with meaningful skin in the game and a clear use of proceeds tied to growing your asset base.

Our process

From first call to funded.

A clear path, so you always know what happens next.

Introduction & fit

A short conversation to understand your business, assets, and funding goals.

Indicative terms

If there's a fit, we share a term sheet outlining structure, sizing, and pricing.

Diligence & structuring

We dive deeper into your asset data, legal structure, and operations, and build the facility with you.

Close & fund

We document, perfect security, fund, and partner with you as you scale.

Recent financings

A few of the businesses we've recently backed.

See all news →

Portfolio

Clara Secures Debt Financing for up to 90 million dollars from Accial Capital to strengthen their presence in Colombia

Clara, a digital corporate spend management platform in Latin America, announced approved financing for up to 90 million dollars from Accial Capital and its fund launched with Skandia. The credit line was secured before Clara completed its first year of operations in Colombia.

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Portfolio

Mexico’s Kapital lands $40m financing from Accial Capital Management

Accial Capital Management provided $40 million in financing to Kapital, a multi-service financial company in Mexico that offers services to SMEs and suppliers. Mexican law firm Gonzalez Calvillo acted as counsel to Accial on the warehousing facility.

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Portfolio

Vexi raises $24M to revolutionize financial services in Mexico

Mexican fintech Vexi raised a $24M funding round in debt and equity, with the equity portion led by Magma Partners and the debt funding led by Accial Capital. Vexi provides fully mobile and digital credit cards to the rising middle income population in Mexico.

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FAQ

Common questions

What kinds of companies does Accial Capital finance?

Accial Capital finances companies that originate or own pools of cash-flowing assets: fintech lenders, non-bank financial institutions, factoring and leasing companies, and operating businesses with financeable assets. We partner across Latin America and Asia, and we care about your track record and the quality of your assets, not your stage or age.

What assets can Accial Capital finance?

Accial Capital structures facilities around pools of cash-flowing assets: loans, leases, receivables, and recurring contracts. Across our partners that spans secured and unsecured SME credit, consumer credit (credit cards and salary-backed loans), buy-now-pay-later, factoring, and supply chain finance.

Can early-stage companies get financing from Accial Capital?

Yes. Accial Capital underwrites the quality of your assets and your track record, not your company’s stage or age. If you have a demonstrated origination and collections history and a growing pool of cash-flowing assets, you can be a fit at nearly any stage.

Does Accial Capital only finance fintech lenders?

No. Accial Capital works with many fintech lenders, but also finances non-bank financial institutions, factoring and leasing companies, and operating businesses with financeable assets. If you own a pool of cash-flowing assets, you can be a fit.

How does financing with Accial Capital work?

Accial Capital’s process has four steps: an introduction and fit conversation, indicative terms, diligence and structuring, then close and fund. Timelines vary by company and deal, but the path is structured so you always know what happens next.

Do I need to share data to get financing from Accial Capital?

Yes. Sharing asset-level data is core to how Accial Capital assesses and monitors a portfolio. For an initial assessment, we can work with whatever format you already have, such as a data extract, spreadsheet, or file export. Full API integration with your systems comes later, post-investment: ORCA, our proprietary technology, then ingests your data daily, which means less manual reporting for you and faster decisions for us.

How does Accial Capital help beyond providing capital?

Beyond capital, Accial Capital acts as an outsourced credit-risk and data-science team focused exclusively on emerging markets. We also help partners access cheaper capital as they scale and lay the groundwork for future equity and debt raises.

Where is Accial Capital based?

Accial Capital is headquartered in Miami, Florida, with additional offices in Mexico, Spain, and Peru, and team members across 10 countries, including investment and risk team members in Mexico, Colombia, Peru, Indonesia, the Philippines, and Spain.

How do I start a conversation with Accial Capital?

Reach out via our contact form and we’ll be in touch soon.

Get in touch

Tell us about your portfolio.

We start every partnership with a real conversation. Share a few details and the right team will reach out soon.

If there's mutual interest, we'll move into a pre-screening conversation from there.

A smiling Avista client working on a laptop — Photo courtesy of Avista