In Mexico, small and medium enterprises (SMEs) represent the engine of the economy, so financing options are key to their development. This is the focus of Vandelier, a firm led by Diego Garciacano, Sebastián de la Mora, and Luis Miguel Arce, who has revolutionized the financial sector with its personalized and focused focus on SMEs.
Since its creation, the company has opted to offer financial solutions adapted to the specific needs of each client, an effort that, according to its founders, is not only about granting credits, but to accompany companies in the growth process.
Diego Garciacano, general director, details that Vandelier arises after discovering the need to focus on a more structured business model and with greater growth potential: “We start with an extensive range of products, with the aim of understanding the needs in the Mexican market , but we quickly saw that the SMEs market has an important representation in the economy. Thus Vandelier was born, with the aim of offering robust and personalized financing to these companies, which in many cases have been neglected by traditional financial institutions. ”
Sofom with vision of the future
The innovative approach in the Mexican financial market distinguishes Vandelier, offering not only credits, also pure lease, a key component that covers 50% of its operations, facilitating the acquisition of productive assets to companies that, instead of obtaining direct liquidity, prefer access machinery or equipment specialized in your sector that allows them to climb their production.
Regarding financial products, Diego Garciacano stressed the importance of leasing for SMEs: “Lease helps companies to continue producing with assets that generate value, in addition to optimizing their expenses. These types of products are essential for the development of small and medium enterprises, ”he said.
“The pure lease is ideal because giving money to the entrepreneur, is not always effective, we give you tools to grow. This guarantees that companies generate flow and thrive, which in turn increases the demand for more financial services, ”said Sebastian.
Financing to boost the local economy
Vandelier’s impact goes beyond financial solutions, as he involves deeply with his clients, understanding their economic cycles and offering them advice to structure their businesses more efficiently.
Luis Miguel Arce, Collection Director, said that in many cases they act as a kind of “financial coaches”, reaching a high level of customization that has allowed them to establish long -term relationships with the SMEs they attend, directly impacting on the Development of local economies where they operate.
“Financial culture in Mexico is very low. We help companies identify which is the best option for them, be it a loan or a lease. We get fully into their financial structure to ensure that the product we give them will allow them to grow and not stain, ”Diego explained.
Technological tools added to human vision
Vandelier has the ability to combine technology with a human approach, because through data analysis tools they access reliable and verified information, which gives them a competitive advantage in the analysis of risks and opportunities.
Sebastián de la Mora, CFO of Vandelier, said in this regard that although technology is an undeniable trend, human experience remains fundamental: “Sometimes, the responses that are required are not in an automated process. That human touch is necessary to understand the problem and find the correct solution, ”he said.
This is key in sectors such as SMEs, where direct knowledge of owners and business management remains essential to make adequate financial decisions. “We are looking for the best of both worlds: on the one hand, advanced tools, and on the other, personalization. It is essential to be able to listen to customers and understand their specific needs. Not everything can be processed by an automated risks matrix, since, in some cases, customers require more personalized solutions, such as variable payments or understanding their collection cycles and being able to offer a financial product adjusted to their needs, ”said Garciacano.
“We download information from reliable sources to make an exhaustive analysis of customers. This allows us to offer much more appropriate solutions for each particular case, ”he added.
Challenges and opportunities in the SME sector
Informality and the lack of adequate financial culture in Mexico has complicated access to credit for many companies; However, Vandelier has identified an opportunity in this challenge: “In many countries, companies are more transparent with their tax payments and their financial reports, which makes access to financing relatively simple. In Mexico, this is a challenge that has allowed us to highlight, since we know how to navigate in this environment and offer financing to companies that have been unattended, ”said Garciacano.
Before this panorama, the lease sector presents great opportunities due to the departure of some large companies that used to dominate this niche, so Vandelier has taken advantage of this void to consolidate as a viable option for SMEs that seek to grow.
Another important challenge facing the sofomes industry is market confidence, particularly in times of uncertainty. “There is a risk perception by investing in a sofom or lessor, especially because some large institutions have fallen or are not at their best. However, we believe that if you do things well and concentrate on companies that are looking to grow responsible, there will be no significant problems in terms of expired portfolio or defaults, ”said Luis Miguel Arce, director of Collection of Vandelier.
With the vision of becoming a reference in the financial services market for SMEs in Mexico, Vandelier has as a goal to expand to other geographical areas. Garciacano, De la Mora and Arce, are confident that their approach based on the proximity to the client, the intelligent use of technology will be the pillars that will support their growth in the coming years, by distinguishing themselves by the deep understanding of the specific needs of the client and offering not only financial products, but solutions that really drive the country’s economic development.
Note: The contents signed as “Content” are the exclusive responsibility of the brands and their spokesmen or agents, and are independent of the position and editorial line of Forbes Mexico.
