Partner Success Story: Kushki and Anticipa, a partnership for the growth of Mexican businesses

The partnership between Kushki and Anticipa has revolutionized access to financing in Mexico, allowing businesses to obtain immediate liquidity. Anticipa, founded by Juan Fernández and Fernando Guzmán, specializes in providing cash advances to businesses that operate with bank cards. Kushki, a Latin American fintech company, provides innovative payment solutions. Together, they have created a successful model that combines agile financing with payment technology.

General Context of Anticipa

Anticipa was created with the goal of offering immediate financing to businesses without the bureaucracy of traditional banks. Its business model, inspired by Merchant Cash Advance in the US and Canada, has enabled Mexican businesses to access more than $1.2 billion pesos in advances. This solution, in conjunction with Kushki, has been key to optimizing the cash flow of businesses that operate with POS terminals.

“In our northern neighbors, the United States and Canada, this product is known as Merchant Cash Advance. It was thanks to the lack of competition and seeing that it was a tangible and quite profitable business model that my partner and I decided to create Anticipa, a company that today has placed more than $1.2 billion pesos in advances."

-Juan Fernández, founding partner of Anticipa.

Challenges and Solution

From its inception, Anticipa faced the challenge of finding a strategic partner that would allow it to process payments efficiently. After evaluating various banking options and aggregators, they found the ideal ally in Kushki. Its aligned vision and ability to offer non-bank acquiring solutions facilitated the implementation of a sustainable model.

The main challenges overcome included:

- Short term: Finding a reliable partner with robust payment technology.

- Long term: Building a portfolio of highly transactional and sustainable customers.

Business model and benefits

The collaboration between Kushki and Anticipa is based on four key pillars:

- Transparency and visibility: Merchants have access to clear information about costs and available amounts.

- Scalability and growth: Enables business expansion with immediate working capital.

- Competitive rates and flexibility: Tailored to the needs of each merchant.

- Comprehensive and automated platform: Optimizes calculation of amounts, terms, and financing conditions.

Target audience

The product is aimed at businesses with sales through POS terminals that require liquidity for operations, expansion, or remodeling and that transact at least $150,000 pesos per month. Although most of Anticipa's clients have monthly revenues of between $1 million and $5 million pesos, they also offer financing to businesses with lower turnover.

Financing process

Anticipa financing is granted based on the merchant's monthly sales volume. The process includes:

• Merchant evaluation (minimum sales of $150,000 pesos/month, established business, and length of time in business).
• Analysis of financial and operational documentation.
• Determination of the advance amount (equivalent to 1-1.5 times monthly sales).
• Main challenges and solutions implemented
• The Kushki-Anticipa alliance faced several operational challenges:
• Definition of roles in contracts and documentation: Clear processes were established for greater efficiency.
• Implementation of POS terminals: Training and adoption of the solution were optimized.
• Rate adjustment: Rates were aligned with industry standards to improve competitiveness.
• Internal transitions at Kushki: Administrative processes were strengthened to streamline affiliations.

As a result, the time to grant financing and enable POS terminals was reduced to seven days, consolidating the efficiency of the alliance.

Results

• Quick liquidity: Immediate financing combined with in-person payments.
• Simplicity and repeatability: Flexible model that encourages renewal of advances.
• Access to financing without collateral: Credit lines based on sales history.
• Fast and transparent processes: Reduction in approval and disbursement times.

Current and future relationship of the alliance

Currently, the relationship between Kushki and Anticipa is characterized by:

• Faster responses to inquiries and requests.
• Improved customer service with personalized support.
• Optimized POS implementation, reducing installation times.

Next steps

Juan Fernández proposes launching a pre-approved advances campaign for Kushki customers, allowing them to quickly access financing with integrated payment solutions. He also seeks to establish contact with Kushki's partners to train them in the sale of advances, generating an additional source of income for them.

Conclusion

The alliance between Kushki and Anticipa is a successful model of collaboration in the financial sector. Thanks to the combination of payment technology and immediate financing, they have managed to boost hundreds of businesses in Mexico. With a focus on transparency, speed, and flexibility, this solution has positioned itself as a reliable alternative to traditional banks.

With more than $1.2 billion pesos in advances granted and a 60% repeat rate, the model continues to evolve. The implementation of new strategies, such as pre-approved advances and the strengthening of the partner network, will consolidate Kushki and Anticipa as leaders in liquidity and payment solutions in Mexico.

Interested in becoming part of Kushki Partners? Contact us and start generating more income with us.