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Can B2B Fintech Solutions Reinvent Business Cash Flow Dynamics?

Key Takeaways:

  • Efektiva is a B2B FinTech Startup based in Guadalajara, Jalisco, Mexico offering a Buy Now Pay Later (BNPL) solution for businesses.
  • The company was founded with the mission to provide businesses with the tech and financial muscle to thrive, after the revelation that +52% of business sales are made through commercial credit.
  • Through Efektiva’s financial solution, businesses can pay their suppliers in their own terms without the need for a corporate credit card.
  • The startup’s innovative approach to trade credit is set to revolutionize business cash flow dynamics.


Can business-to-business (B2B) fintech solutions reinvent business cash flow dynamics? The answer lies in the innovative solutions offered by emerging tech startups like Efektiva. Based in Guadalajara, Mexico, Efektiva is a financial tech startup aiming to revolutionize business transactions with its proprietary Buy Now, Pay Later (BNPL) solution. The platform allows businesses to settle supplier invoices on their own terms without the reliance on corporate credit cards.

Efektiva’s unique solution is in response to a market need for more flexible and efficient commercial credit options. With over fifteen years of experience serving small and medium enterprises (SMEs) in Mexico, Efektiva’s Founder, Pablo Robles Watanabe, discovered that more than 52% of business sales are made with trade credit. This equals more than 100k USD per minute, a massive financial market yet to be optimally served.

Company Differentials

Efektiva stands out from other fintech startups due to its unique approach to trade credit. Unlike the traditional approach that relies on inflexible credit terms and often bureaucratic processes, Efektiva’s platform is intuitive, user-friendly, and designed with the modern business owner’s needs in mind. The ability to pay suppliers without the need for a corporate credit card offers businesses greater flexibility and control over their financial planning.

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Moreover, Efektiva prides itself on its mission to empower businesses. The startup recognizes the challenges SMEs face in ensuring steady cash flow and securing sufficient commercial credit. By providing them with a solution that simplifies transactions, offers financial muscle, and gives businesses freedom, Efektiva sets itself apart in the B2B fintech landscape.


Looking towards the future, Efektiva has the potential to redefine how businesses manage their cash flow and commercial credit dynamics. As the company continues to develop and enhance its B2B BNPL solution, an ever-increasing number of SMEs will have the chance to experience the unique financial flexibility it proposes. With the rise of fintech and digitalization in business operations, Efektiva’s solution is most certainly a part of the future of commercial credit.

For further updates from Efektiva, be sure to follow them on their social media channels and website listed below. Twitter: [insert link], Facebook: [insert link], LinkedIn: https://www.linkedin.com/company/efektivamx/ and their website https://www.efektiva.mx/.

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