Whitelist: May 18 - 24, 2026❋
Mexico Consumer Loan Fund
High yield fixed income product investing in emerging market consumer credit assets.Asset Class
Credit / Bond
Target Return
10% P.A.
Investment Horizon
12 months
Minimum Investment
USD 100
The fund manager was co-founded in 2017 by Tencent & Standard Chartered Bank's asset securitization team.
13.8% CAGR - Fastest growing subsector in Mexico's financial market
Senior tranche offering of USD 9.5 million at 10% annualized net return (after fees, in USD)
Partnered with leading consumer credit companies in Mexico
Fund size USD 10 million: Senior tranche (95%) open to qualified professional & sophisticated investors
Income distributed at the end of each calendar quarter; principal returned in full at maturity (April 13, 2027)
Daily LTV monitoring, asset pledge isolation, and cash replenishment obligation
Over-collateralization plus Monte Carlo stress testing
Registered under the Hong Kong Securities and Futures Commission (SFC)
Custodian: DBS Bank | Legal Counsel: King & Wood Mallesons | Auditor: Grant Thornton Hong Kong
Investment Highlights
Mexico consumer credit market overview
PEOPLE
Mexico has a population of 126 million, with an urban population share of 81.4% and internet penetration of 83.2%. Its well-developed digital infrastructure provides a strong foundation for the growth of local digital consumer credit.
The local financial regulatory environment is mature, with a well-established SOFOM licensed institution framework and improving financial inclusion. Demand for personal credit from underserved individuals remains strong, and overseas Chinese-funded credit platforms have established stable operations and market share locally.
regulation
ECONOMY
Mexico's macroeconomic fundamentals are broadly sound. 2024 GDP reached USD 185.2 billion, unemployment stands at 2.7%, and the employment environment remains stable. The central bank continues an accommodative monetary policy stance, which is favorable for the continued development of the consumer credit sector.
Mexico's consumer credit market carries significant growth potential. The 2024 market size was USD 323.4 billion, expected to grow at a CAGR of 5.2%, reaching USD 532.7 billion by 2033. Fintech credit within this market is projected to grow at a CAGR of 12.8%.
CONSUMER CREDIT MARKET
KEY TERMs
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10% annualized, net USD return after fees
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April 14, 2026 – April 13, 2027 (one year); non-redeemable during the investment period
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Income distributed at the end of each calendar quarter; principal returned in full at maturity
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Professional & sophisticated investors
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Management fee, custodian fee, and other expenses not to exceed 2% per annum in aggregateem description
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USD $100
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Consumer Credit Fund — Private open-ended fund company registered with the Hong Kong SFC
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Consumer Credit Fund — Private open-ended fund company registered with the Hong Kong SFC
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Personal loan portfolio of leading consumer credit companies in Mexico; pledged and custodied under a Mexican trust structure.
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Asset Monitoring: Daily LTV testing, weekly data reconciliation; LTV strictly maintained at ≤75%
Asset Pledge: Underlying loan assets transferred to a Mexican guarantee trust for isolation and pledge
Cash Replenishment: Consumer credit company bears replenishment obligations, guaranteed by global core operating entity
Junior Protection: Fund manager holds junior tranche to maturity to protect the senior investment tranche
Stress Testing: Monte Carlo simulation across 1,000 portfolio scenarios; benchmarked to international ABS investment-grade standards
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Custodian Bank: DBS Bank
Legal Counsel: King & Wood Mallesons
Auditor: Grant Thornton Hong Kong
About the ISSUER: WESHARE
The fund manager was co-founded in 2017 by Tencent and Standard Chartered Bank's asset securitization team, and specializes in the investment and asset management of consumer credit portfolios.
The fund manager uses proprietary IT, data, and risk control technology to invest in and manage consumer credit asset portfolios. Underlying asset classes include auto finance, consumer credit, and micro-loan assets.
Over nine years of operation, the manager has served more than 50 global financial institutions, with total managed asset transaction volume exceeding USD 30 billion. All investments have been fully exited in accordance with agreed investment terms.
The fund manager maintains offices in Hong Kong, Shenzhen, and Shanghai with a team of over 100 professionals. The core team brings deep expertise in asset securitization, retail finance, and data-driven risk control, drawn from leading financial institutions and technology companies.
The fund manager's proprietary technology-driven risk control system enables pre-investment penetration assessment of underlying assets, transaction-by-transaction verification during the investment period, and real-time post-investment monitoring. Multiple credit asset portfolios under management have received AAA ratings from S&P, Moody's, and Fitch.