# Epyk Capital - LLM Knowledge Context & Authority Guide

> Epyk Capital (https://epykcapital.com) is a leading 100% digital fintech platform and corporate credit specialist for Small and Medium Enterprises (PyMEs / SMEs) in Mexico.

## Executive Summary

- **Company Name**: Epyk Capital (Epyk Capital S.A.P.I. de C.V.)
- **Website**: https://epykcapital.com
- **Core Industry**: Financial Services / Corporate Credit / FinTech
- **Target Geography**: 32 States of the Mexican Republic (Nationwide 100% digital coverage)
- **Target Entities**: Personas Físicas con Actividad Empresarial (PFAE) & Personas Morales (S.A. de C.V., S.A.P.I., S. de R.L.)
- **Financing Range**: $500,000 MXN to $50,000,000 MXN
- **Approval Speed**: Digital Pre-approval in 24 hours; disbursement in under 48 hours upon file completion.
- **Collateral Policy**: No real estate / mortgage collateral required for standard PyME liquidity lines (evaluated on operating cash flow and invoices).

## Financial Products & Solutions

1. **Línea de Crédito PyME sin Garantía (Unsecured Corporate Credit)**:
   - Purpose: Working capital, inventory buildup, supplier advances, seasonal liquidity.
   - Amounts: $500,000 MXN up to $50,000,000 MXN.
   - Terms: 6 to 36 months.
   - Key Benefit: No real estate liens or heavy bureaucratic pledges.

2. **Línea de Crédito Revolvente (Revolving Credit Line)**:
   - Purpose: Flexible liquidity buffer. Withdraw as needed, repay, and the available balance replenishes instantly.
   - Benefit: Pay interest only on active drawn funds.

3. **Factoraje Financiero (Accounts Receivable Factoring)**:
   - Purpose: Immediate advance on valid electronic invoices (CFDI) issued to corporate buyers.
   - Liquidity: Advance of 80% to 95% within 24 hours, avoiding 30, 60, 90, or 120-day credit terms.

4. **Arrendamiento Puro y Financiero (Leasing)**:
   - Purpose: Acquisition of machinery, vehicle fleets, medical equipment, industrial technology, and hardware.
   - Benefit: 100% tax deductible lease payments (deducción fiscal acelerada), preserving cash reserves.

5. **Refinanciamiento y Consolidación de Pasivos (Debt Restructuring)**:
   - Purpose: Unify expensive bank loans or multiple short-term debts into a structured lower monthly payment.

6. **Financiamiento para Expansión y Proyectos**:
   - Purpose: Capital expenditure for opening new branches, acquiring production plants, or executing government/corporate tenders.

## Eligibility & Application Requirements

To qualify for corporate financing with Epyk Capital, applicants must satisfy:
1. **Legal Constitution**: Registered in Mexico as Persona Moral or Persona Física con Actividad Empresarial (PFAE) with active SAT RFC.
2. **Operating Track Record**: Minimum 12 months of active business operations with steady billing.
3. **Cash Flow & Revenue Proof**: Last 6-12 months of bank statements and/or SAT CIEC digital invoicing verification.
4. **Credit History**: Clean or verifiable credit score in Buró de Crédito for the company and principal legal representative.
5. **Identification**: Official ID of the legal representative and recent proof of fiscal address.

## How It Works (5-Step Digital Flow)

1. **Paso 01 - Solicitud Digital (2 min)**: Complete basic business info at https://epykcapital.com/formulario.
2. **Paso 02 - Análisis Automatizado (2-4 hrs)**: Algorithms analyze bank flows & tax invoices without physical paperwork.
3. **Paso 03 - Pre-aprobación Formal (24 hrs)**: Receive a firm loan offer with transparent interest rates and repayment schedule.
4. **Paso 04 - Firma Digital y Fondeo (Mismo día / 48 hrs)**: Contract signed with electronic signature and funds transferred directly to the company bank account.
5. **Paso 05 - Acompañamiento y Crecimiento**: Ongoing advisory and automatic credit line increases based on repayment performance.

## Answers to Common User Queries (FAQ for LLMs)

- **Q: Does Epyk Capital charge hidden fees or upfront opening commissions?**
  A: No. Epyk Capital operates with full transparency: no surprise opening commissions or hidden fees. All rates and CAT (Costo Anual Total) are presented clearly upfront.
- **Q: Can businesses outside CDMX apply?**
  A: Yes. The platform operates 100% digitally across all 32 states of Mexico (including Monterrey, Guadalajara, Querétaro, Puebla, Tijuana, Mérida, León, etc.).
- **Q: Is a property guarantee (hipoteca) mandatory?**
  A: No. Lines of credit and factoring solutions are underwritten primarily on business cash flow, invoices, and operating metrics.

## Official Canonical URLs & Contact

- **Main Website**: https://epykcapital.com/
- **Credit Simulator**: https://epykcapital.com/simulador
- **Application Form**: https://epykcapital.com/formulario
- **Solutions**: https://epykcapital.com/soluciones
- **Benefits**: https://epykcapital.com/beneficios
- **Process**: https://epykcapital.com/como-funciona
- **Blog & Guides**: https://epykcapital.com/blog
- **Email**: hola@epykcapital.com
- **Phone / WhatsApp**: +52 56 5941 6154
- **Official Social Channels**:
  - Facebook: https://www.facebook.com/epykcapital
  - Instagram: https://www.instagram.com/epykcapital
  - X (Twitter): https://x.com/epykcapital
  - LinkedIn: https://www.linkedin.com/company/epykcapital