TUNTON Private credit · Monterrey
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Credit criteria.

What we finance, what we don't do, and what the full process looks like — published before you ever write to us, so that you and your advisor know exactly what an application is assessed against.

What we finance

The entry numbers

Amounts$100K – $20M MXN

The approved amount depends on the value of the collateral and on your repayment capacity.

Terms3 months – 5 years

Flexible, tailored to the purpose of the loan and to the cash flow that repays it.

RatePer transaction

Based on amount, term, collateral and risk profile; in writing to qualified applicants.

RepaymentTwo options

An installment that amortizes principal and interest, or interest-only with principal at the end.

What we look for in an application
  • Tangible collateral with verifiable value — preferably real estate; also vehicles, machinery, receivables from solid companies, gold, shares, inventory or steady cash flows. It may be provided by a guarantor or joint obligor.
  • A conservative loan-to-value ratio: the collateral must cover the loan with a comfortable margin (ideally 2.5 to 1), reviewed case by case.
  • A complete applicant file: identification, proof of income or financial statements, and the collateral documentation.
  • A clear use for the loan — asset acquisition (real estate, vehicles, machinery), working capital, liquidity against assets, consolidation, productive investment.
What we don't do

The lines we don't cross

By business design

  • No collateral, no loan. We do not grant unsecured or "on your word" credit.
  • We do not take part in guaranteed-return schemes and we do not offer investments: we lend, we do not take deposits (Mexican Credit Institutions Law, arts. 2 and 103).
  • We do not do business with anyone who will not complete KYC identification — a firm standard, no exceptions.
  • We do not respond to artificial urgency. "It's now or never" is a red flag, not an opportunity; a properly made loan can withstand 48 hours of analysis.

What you can expect

  • A straight answer promptly: yes, no, or what's missing to make it a yes.
  • Terms in writing before signing, with no hidden fees.
  • A transaction documented from the signing to the last payment.
  • Never a charge before the contract is signed — anti-fraud warning.
The full process

From your first email to the release of the collateral

01

Initial summary

Reach out via WhatsApp or at [email protected] with the essentials: amount, purpose, the collateral you're offering and the term you want. No endless forms.

  • No cost
  • Confidential
02

Review against criteria

We compare your summary against the criteria on this page and respond promptly. If it moves forward, we ask for your file: identification, income and collateral documentation.

  • A straight answer
  • A clear requirements list
03

Analysis and terms

We appraise the collateral, verify repayment capacity and define the amount, term, rate and repayment option. You receive the terms in writing before any commitment.

  • Collateral appraisal
  • Terms in writing
04

Formalization

The contract is signed with the SAT's e.firma and, in transactions that warrant it, with a certain date before a public officer (fedatario). The collateral is created and registered in the corresponding registry (RPP or RUG).

  • e.firma / public officer
  • Registered collateral
05

Disbursement

Once the transaction is formalized, the funds are delivered as agreed. The payment dates and amounts are set out in the contract and the promissory note.

  • Per the contract
06

Life of the loan and release

Payments by transfer, clear account statements and direct dealing in the event of any contingency. Upon payoff: a no-debt letter and release of the collateral — cancellation of the mortgage before a notary or of the pledge in the RUG.

  • Documented follow-up
  • Release upon payoff

The specific terms of each transaction —rate, applicable fees and conditions— are shared in writing with qualified applicants during step 3, before any signing. You can preview your numbers with the credit simulator.

Borrower questions

What you and your advisor ask first

What amounts and terms does Tunton offer?
We finance from $100,000 up to $20,000,000 pesos, with flexible terms from 3 months to 5 years. The approved amount depends on the verifiable value of the collateral and on the applicant's repayment capacity.
What collateral do you accept?
Tangible collateral with verifiable value, preferably real estate (a house, apartment, retail space, warehouse or land with title deeds). We also evaluate vehicles, machinery, receivables from solid companies, gold, shares, inventory and steady cash flows such as pensions or trusts. The collateral may be provided by a guarantor or joint obligor.
What is the interest rate?
The rate is set per transaction based on amount, term, type of collateral and risk profile, and is shared in writing with qualified applicants before any commitment. We do not publish a single rate because we do not sell an off-the-shelf product: every loan is structured to fit.
How is the loan repaid?
Two options to choose from: monthly payments that amortize principal and interest (a fixed installment), or monthly interest-only payments with the principal due at the end of the term — useful when you are expecting an incoming amount of liquidity. You can simulate both in our credit simulator.
How long does the process take?
The pre-assessment against criteria is resolved promptly from your initial summary. The total time to disbursement depends on the type of collateral: a pledge is faster than a mortgage, which requires an appraisal and a notarial procedure. The entire timeline is agreed with you from the outset.
What documents will you ask me for?
Official ID, proof of address, income information or financial statements, and the collateral documentation (title deeds, invoices, account statements depending on the asset). Complete identification of the client and of the beneficial owner is a firm requirement, with no exceptions.
How is it signed and how do I receive the money?
The contract is signed with the SAT's e.firma and, in transactions that warrant it, with a certain date before a public officer (fedatario público); the collateral is registered in the corresponding registry. The disbursement of funds and the payment schedule are set out in the contract and the promissory note.
What happens when I finish paying?
Upon payoff, we issue the no-debt letter and release the collateral: cancellation of the mortgage before a notary, cancellation of the pledge in the RUG, or return of the item held in safekeeping, as applicable. The release is part of the process, not a formality you have to chase.

Transparency

  • Tunton Fin, S.A.P.I. de C.V. lends with its own funds; it does not take deposits from the public, nor does it offer investments or returns to third parties (Mexican Credit Institutions Law, arts. 2 and 103).
  • This page describes general origination criteria; it does not constitute a binding offer. Each transaction is assessed and documented individually.
  • Always verify our official channels at the verification center.