Asset-backed private credit · Monterrey

Your assets, turned into liquidity.

Private credit in Monterrey backed by what you already own —real estate, receivables, vehicles, machinery, gold or a steady cash flow—. Amounts tailored to you and a fast answer, without the bureaucracy or the timelines of a bank.

Apply on WhatsApp → See what we accept
01 · FastWe review and get you an answer fast.
02 · TailoredAmount, term and conditions based on your collateral.
03 · DiscreetDirect, confidential dealing from start to finish.
The offer

Get liquidity against your assets without having to sell them.

Tunton is a private credit firm in Monterrey. We lend against real collateral: your asset backs the transaction and you keep its ownership. Direct, discreet and tailored dealing — with our own capital and clear rules.

Each transaction is formalized with a contract and with the collateral recorded or pledged as the case requires.

0Types of collateral accepted
0Steps from request to disbursement
0Free public calculators
0Hidden fees
Services

Three ways to turn into cash what you already own

We choose the instrument based on your asset. In all of them, you keep ownership while you repay the loan.

01

Collateral-backed loan

Liquidity backed by real estate, a vehicle, machinery, gold or another asset, through a mortgage or pledge. You receive the capital and keep the use of the asset depending on the structure.

02

Invoice advance

An advance against receivables from solid companies (AAA clients), via assignment of rights or factoring. You turn your portfolio into cash today.

03

Cash-flow-based lending

Financing backed by a recurring, verifiable income —an active pension, trust payments, rents— through direct debit or assignment of the cash flow.

Collateral we accept

If it has value, chances are we finance it

We work with assets that can be pledged, mortgaged or assigned —and with steady cash flows that back repayment—. These are the most common types of collateral; if yours is not on the list, ask us.

Real estate

House, apartment, retail space, warehouse or land with title deeds.

Mortgage collateral

Receivables

Receivables from solid companies (AAA clients).

Assignment of rights · factoring

Vehicles

Cars, trucks, freight vehicles and fleets.

Pledge · title as collateral

Machinery and equipment

Industrial, agricultural, construction or medical equipment.

Non-possessory pledge

Gold, jewelry and watches

Precious metals and valuable timepieces, held in safekeeping.

Pledge with safekeeping

Shares and equity interests

Company shares and equity interests in businesses.

Pledge over shares

Inventory and merchandise

Stock and stored merchandise with inventory control.

Pledge · warehouse receipt

Art and collectibles

Artwork, collectibles and high-value goods held in safekeeping.

Pledge with safekeeping

Pensions and steady cash flows

Active pensions, trust payments, rents and other verifiable recurring income.

Direct debit · assignment of cash flow

You don't need to own the collateral. Any of these options can be contributed by a guarantor or joint obligor on your behalf —a family member or business partner who backs the loan with their asset or their cash flow—, even if they are not the one applying.

Method

From request to disbursement, in four steps

A short but rigorous process. What a bank takes weeks to resolve, we resolve quickly and without ambiguity.

STEP 01

Request

You tell us the amount, the purpose and the collateral you're offering. We review feasibility at no cost and answer you frankly.

STEP 02

Appraisal and analysis

We appraise the collateral and your repayment capacity. We define the amount, term and rate tailored to your transaction.

STEP 03

Contract and collateral

We formalize the contract and collateral with a certain date. You know exactly what you're signing, when and why.

STEP 04

Disbursement

You receive the funds through a traceable channel, with your amortization schedule. All follow-up is documented.

Rate, term and monthly payment are agreed in writing before signing. You can estimate them yourself with the loan simulator and the total cost and CAT calculator.

Philosophy

What you can expect from us

Six commitments that make your credit experience different. No fine print, no committees and no runaround.

01

A frank, fast answer

We tell you yes or no fast, and why. If the transaction isn't right for you, we'll tell you that too: we'd rather lose a deal than set you up with a bad loan.

02

No surprises

Rate, term and total cost agreed in writing before signing. No hidden fees or clauses you discover later.

03

Absolute discretion

Your information is used only for your transaction. Direct dealing with the decision-maker, confidential from start to finish.

04

Direct decision

We lend our own capital: we don't depend on committees or corporate policies. That's why we resolve fast.

05

Your collateral works for you

Strong backing reduces the risk of the transaction, and that translates into better terms for you.

06

Judgment you can verify

Whatever we state on legal or tax matters comes with its basis. We publish our tools and criteria so you can check the numbers yourself.

Candor as a differentiator

Who it's for, who it's not

We'd rather tell you no than structure a transaction badly. Here's what a good match looks like.

It's for you if

  • You have a steady, guaranteed cash flow and/or a valuable asset and want liquidity without selling it.
  • You need to resolve quickly and with clear rules.
  • You're looking for an amount and a term tailored to you, not an off-the-shelf product.
  • You prefer direct, discreet, fast dealing and a counterparty that resolves with judgment.

It's not for you if

  • You have neither collateral nor a guarantor to back the transaction.
  • You're looking for an unsecured consumer loan — there are better options for that.
  • You expect guaranteed returns or promises that no serious firm makes.
  • The asset or cash flow you offer doesn't cover the loan with enough margin.
Calculators

Run the numbers before you decide

29 calculators for credit, investment and business, 100% in your browser. Zero persistence, stated assumptions and methodology on view.

01

Loan simulator

Monthly payment and amortization schedule: fixed payments or interest-only with principal at the end.

Open → 02

Mortgage loan

Monthly payment on a mortgage with down payment and closing costs.

Open → 03

Total cost and CAT

The real cost of the loan, starting from the rate or the monthly payment.

Open → 04

Repayment capacity

How much you can put toward a loan without straining your income.

Open → 05

CETES

Net yield on CETES with the current withholding (LIF 2026).

Open → +24

See all

Real estate, auto, investment, retirement, tax and business: the complete collection.

Landing →
From the blog

Judgment, well-founded

How to borrow well, understand collateral and compare the real cost of a transaction.

Borrowing

What can I put up as collateral for a loan? Mortgage, pledge and guarantor

July 5, 2026 · 8 min Borrowing

How do you know what a loan really costs? The CAT, explained

June 23, 2026 · 7 min Borrowing

How is the monthly payment on a loan calculated?

June 11, 2026 · 6 min
See the whole blog →
FAQ

What everyone asks, answered

Direct answers about asset-backed private credit in Monterrey.

What is asset-backed private credit?
It is financing granted by a firm that lends its own capital, backed by an asset of yours —real estate, a vehicle, machinery, gold, receivables— or by a verifiable stream of income. Because the collateral reduces risk, the transaction closes faster than at a bank and the terms are tailored to your case, not to an off-the-shelf product.
What collateral do you accept for a loan in Monterrey?
Real estate (mortgage), receivables from solid companies (assignment or factoring), vehicles, machinery and equipment, gold, jewelry and watches, shares and equity interests, inventory, art and collectibles, and steady cash flows such as active pensions, trust payments or rents. If your asset isn't on the list, ask us: if it has value, chances are we finance it.
Can I get liquidity without selling my property?
Yes — that's exactly what we do. Your asset backs the loan through a mortgage, pledge or assignment, but you keep its ownership (and, under most structures, its use as well) while you keep up with payments.
How long does it take to respond to a request?
We assess feasibility at no cost and get you an answer fast — without a bank's timelines. Closing depends on the type of collateral: a pledge is usually faster than a mortgage, which requires a notarial process.
Do you lend against pensions or trust payments?
Yes. A recurring, verifiable income —an active pension, trust payments, rents— can back a loan through direct debit or assignment of the cash flow. The amount and term are sized against that cash flow.
Do I need to own the collateral?
No. A guarantor or joint obligor —a family member or business partner— can contribute their asset or their cash flow to back your loan, even if they are not the one applying.
Is Tunton a bank or a SOFOM?
Neither: Tunton (Tunton Fin, S.A.P.I. de C.V.) is a private credit firm that lends its own capital. We don't take deposits from the public —that activity is reserved by the Ley de Instituciones de Crédito (Mexican Credit Institutions Law), arts. 2 and 103, for authorized entities—, and because we operate with our own funds we decide directly and fast.
Contact

Tell us about your transaction

Tell us how much you need and what collateral you're offering. We'll tell you frankly whether it's viable and how we'd structure it.

WhatsApp · the fastest way +52 81 1909 6800
Phone +52 81 1909 6800
Email [email protected]
Office · by appointment

San Pedro Garza García, N.L., México

Monday to Friday · 9:00–18:00

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