We empower SMEs (Small and Medium-sized Enterprises) with an export focus through financial solutions with Environmental, Social, and Governance Impact. More than just financing, we offer your support for purposeful growth.
Smart debt for SMEs that export, innovate, and employ.
Bill Defender, S.A.P.I. de C.V. is a Multiple Purpose Financial Company, Non-Regulated Entity (SOFOM, E.N.R.), legally incorporated in Mexico.
We were founded with a vision focused on financial soundness. Today, under the brand name “Impacto ESG,” we reflect our conviction that credit must go beyond the balance sheet; it must be a driver of transformation.
Our commitment is to SMEs that export, innovate, and/or generate formal employment—companies that grow with purpose and build value.
We provide simple loans and checking account lines in dollars, designed to support real-world plans, with technical support, foreign exchange risk mitigation, and operational traceability.
We are not a traditional SOFOM. We are a bridge between companies seeking to scale and financing that demands transparency, impact, and responsible returns.
Two dollar-denominated credit solutions, structured to support the real growth of SMEs that export, innovate, and employ.
Structured financing for projects with defined goals. A clear and direct financial solution.
Dollar liquidity with immediate access and continuous control.
Pre-approved line with partial or total provisions according to your operational needs.
We offer a fixed annual interest rate ranging from 1% to 30%, an annual default interest rate of up to 60%, an Opening fee* of up to 5%, terms ranging from 6 to 72 months, and a variable annual CAT* of 49.7% calculated as of July 29, 2025.
*CAT: (Costo Anual Total) is a percentage indicator that expresses the total cost of a loan, including interest, fees, and other associated expenses, on an annual basis. It is used to compare different financing options more accurately, as it encompasses all costs.
*Opening fee: a one-time, initial payment charged for opening a loan with Impacto ASG.
At Impacto ESG, each financing begins with a rigorous analysis (technical, operational, and sustainability) designed to align the loan structure with each company’s objectives and capabilities.
Each transaction incorporates a comprehensive assessment based on Environmental, Social, and Governance (ESG) criteria.
These criteria are not an add-on; they are an essential part of the financial design and define conditions that recognize our and our clients’ commitment.
Our work model includes:
Our approach isn’t massive, it’s strategic: we support companies that drive the economy.
Beyond the SOFOM standard
Traditional non-bank financing operates in pesos, with small amounts and inefficient processes. We designed another route.
Credit for companies that export, innovate and/or employ
We offer financing from $100,000 to $4 million, geared toward SMEs with international operations and foreign currency invoicing.
Agility without improvisation
Our processes combine speed with rigorous analysis. Less friction, more certainty.
Impact as a structural criterion
Each operation incorporates Environmental, Social and Governance (ESG) criteria, documented in a Smart Repository that allows full traceability.
Manufacturing
– In 2023, non-oil manufacturing exports grew 5.2%, reaching USD 588,673 million (El País)
– Key nearshoring sectors (such as auto parts and electronics) are expected to grow consistently above 6% annually in 2024 (INEGI)
Agribusiness
– In 2024, agricultural exports grew 3.1% to USD 23.255 billion (El Economista)
– The agribusiness sector represented 3.8% of total non-oil exports (INEGI)
Global Services & Tourism
– In 2024, the tourism sector contributed USD 30.3 billion in foreign currency (INEGI)
– This represents approximately 5% of the national GDP (INEGI)
Livestock
– National cattle herd exceeds 110 million head of cattle (El País)
– The agricultural sector grew 7.1% in 2024 (El Economista)
Automotive / Auto Parts
– In 2024, Mexico exported USD 194 billion worth of vehicles, an annual increase of 2.6% (El Economista)
– The automotive sector represents more than 30% of the country’s manufacturing exports (INEGI)
Technology / Electronics
– Electronic equipment represented 13.7% of the value of manufacturing exports in 2024 (INEGI)
– Mexico is the second-largest exporter of electronic products to the US (El país)
Mining and Materials
– Mexico is the world’s leading exporter of silver and among the top 10 in gold and copper (El Economista)
– Non-oil minerals totaled USD 10.874 billion in exports (18.6% annually) (El Economista)
Extractives & Energy
– Extractives exports grew 18.6% to USD 10.874 billion (El Economista)
– In 2024, total merchandise exports reached a record USD 617.1 billion (+4.1%) (El Economista)
Real, auditable, and sustainable results. Each of these results is audited and supported by our digital monitoring platform (RI) and external verification mechanisms.
100%
digitalized operations by 2025
+10
funded environmental projects with proven impact
-20%
in operating costs of clients with technological adoption
+35%
projected growth in portfolio by 2025
-40%
in non-compliance rates in companies with ASG commitments
The Bureau of Financial Entities contains information from Bill Defender, S.A.P.I. de C.V., SOFOM E.N.R., regarding our performance to users in providing products and services. We also invite you to consult it on the website. https://www.buro.gob.mx or through https://impactoasg.com
Learn how our solutions deliver real value, minimizing risks and maximizing efficiency in every project.
Share your information so we can get in touch with you.
contacto@asgsofom.com
+52 (55) 5292 5559
Ciudad de México