Mexico Consumer Loan Fund
High yield fixed income product investing in emerging market consumer credit assets.
Investor inquiryA senior tranche allocation into a Hong Kong SFC-registered private open-ended fund investing in personal loan portfolios originated by leading Mexican consumer credit companies.
The senior tranche is protected by daily LTV monitoring (strict ≤75%), a Mexican guarantee trust holding pledged loan assets, cash replenishment obligations from the originator, and a junior tranche held to maturity by the fund manager.
Underlying assets sit inside one of the fastest-growing consumer credit markets in Latin America — 13.8% CAGR fintech-credit growth against a USD 323.4B total market projected to reach USD 532.7B by 2033.
- Senior tranche
- Investment-grade equivalent structuring
- Monte Carlo stress-tested across 1,000 portfolio scenarios
- Junior tranche loss-absorbing buffer held by fund manager to maturity
- SFC-registered private open-ended fund company
- Senior tranche 95% of USD 10M fund size
- DBS Bank custodian
- 01Fund manager co-founded in 2017 by Tencent & Standard Chartered Bank's asset securitization team.
- 0213.8% CAGR — fastest growing subsector in Mexico's financial market.
- 03Senior tranche offering of USD 9.5 million at 10% annualized net return (after fees, in USD).
- 04Partnered with leading consumer credit companies in Mexico.
- 05Fund size USD 10 million: Senior tranche (95%) open to qualified professional & sophisticated investors.
- 06Income distributed at the end of each calendar quarter; principal returned in full at maturity (April 13, 2027).
- 07Daily LTV monitoring, asset pledge isolation, and cash replenishment obligation.
- 08Over-collateralization plus Monte Carlo stress testing.
- 09Registered under the Hong Kong Securities and Futures Commission (SFC).
- 10Custodian: DBS Bank · Legal Counsel: King & Wood Mallesons · Auditor: Grant Thornton Hong Kong.
People
Mexico has a population of 126 million, with an urban population share of 81.4% and internet penetration of 83.2%. Its well-developed digital infrastructure provides a strong foundation for the growth of local digital consumer credit.
Regulation
The local financial regulatory environment is mature, with a well-established SOFOM licensed institution framework and improving financial inclusion. Demand for personal credit from underserved individuals remains strong, and overseas Chinese-funded credit platforms have established stable operations and market share locally.
Economy
Mexico's macroeconomic fundamentals are broadly sound. 2024 GDP reached USD 185.2 billion, unemployment stands at 2.7%, and the employment environment remains stable. The central bank continues an accommodative monetary policy stance, which is favorable for the continued development of the consumer credit sector.
Consumer credit market
Mexico's consumer credit market carries significant growth potential. The 2024 market size was USD 323.4 billion, expected to grow at a CAGR of 5.2%, reaching USD 532.7 billion by 2033. Fintech credit within this market is projected to grow at a CAGR of 12.8%.
The fund manager was co-founded in 2017 by Tencent and Standard Chartered Bank's asset securitization team, and specializes in the investment and asset management of consumer credit portfolios.
The fund manager uses proprietary IT, data, and risk control technology to invest in and manage consumer credit asset portfolios. Underlying asset classes include auto finance, consumer credit, and micro-loan assets.
Over nine years of operation, the manager has served more than 50 global financial institutions, with total managed asset transaction volume exceeding USD 30 billion. All investments have been fully exited in accordance with agreed investment terms.
The fund manager maintains offices in Hong Kong, Shenzhen, and Shanghai with a team of over 100 professionals. The core team brings deep expertise in asset securitization, retail finance, and data-driven risk control, drawn from leading financial institutions and technology companies.
The fund manager's proprietary technology-driven risk control system enables pre-investment penetration assessment of underlying assets, transaction-by-transaction verification during the investment period, and real-time post-investment monitoring. Multiple credit asset portfolios under management have received AAA ratings from S&P, Moody's, and Fitch.
- SENIOR TRANCHE RETURN
- 10% annualized, net USD return after fees
- INVESTMENT PERIOD
- April 14, 2026 – April 13, 2027 (one year); non-redeemable during the investment period
- INCOME DISTRIBUTION & EXIT
- Income distributed at the end of each calendar quarter; principal returned in full at maturity
- INVESTOR CRITERIA
- Professional & sophisticated investors
- FUND FEES
- Management fee, custodian fee, and other expenses not to exceed 2% per annum in aggregate
- MINIMUM SUBSCRIPTION
- USD 100
- MASTER FUND
- Consumer Credit Fund — Private open-ended fund company registered with the Hong Kong SFC
- SUB-FUND
- Consumer Credit Fund — Private open-ended fund company registered with the Hong Kong SFC
- UNDERLYING ASSETS
- Personal loan portfolio of leading consumer credit companies in Mexico; pledged and custodied under a Mexican trust structure
- RISK CONTROL & PROTECTIONS
- Asset Monitoring: daily LTV testing, weekly data reconciliation; LTV strictly ≤75%. Asset Pledge: underlying loan assets transferred to a Mexican guarantee trust for isolation and pledge. Cash Replenishment: consumer credit company bears replenishment obligations, guaranteed by global core operating entity. Junior Protection: fund manager holds junior tranche to maturity to protect the senior investment tranche. Stress Testing: Monte Carlo simulation across 1,000 portfolio scenarios; benchmarked to international ABS investment-grade standards.
- SERVICE PROVIDERS
- Custodian Bank: DBS Bank · Legal Counsel: King & Wood Mallesons · Auditor: Grant Thornton Hong Kong
“Mexico is a land of unparalleled opportunity, combining a strategic location, a robust free trade network, and a dynamic economy — offering a stable and business-friendly environment for investors.”
“Mexico's proximity to the US won't soon change.”
“Labor costs in Mexico are now lower than China's, which has increased the competitiveness in our country.”