At CAINTRA We continue to strengthen our ecosystem of strategic partnerships so that Nuevo León's SMEs can access the best market conditions. We are proud to present our agreement with Banorte, a comprehensive offering designed to boost liquidity, operational efficiency, and the growth of your business.
This alliance adds to our portfolio of financial options, providing you with a range of possibilities to choose the one that best suits your company's needs.
Active partners of CAINTRA will have access to an All-Inclusive Offer that includes preferential conditions on financial products and services, highlighting:
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Opening: Minimum amount of $0.
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Membership: 12 months free.
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Electronic Banking: No membership fee, SPEI and unlimited transfers from the same bank.
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Amounts: From $200 thousand to $30 million pesos.
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Preferred Rates: Margin from 5.5% + TIIEF. If you bring your credit from another bank, we reduce your rate by -0.5% (minimum rate of 11%).
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Commission for Opening: 0%.
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Evaluation: With balance sheets (up to $8mdp) or financial statements (more than $8mdp).
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Dispersión: Free (first 4 months, with extended benefits based on volume).
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Death and Organ Loss Insurance: $35,000.
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Assistance: Dental, medical and funeral services at no cost to employees (under certain conditions of use).
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Membership: No fee.
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Billing: No minimum requirements required.
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Fees: Special per turn
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Discounts: 10% on Seguros PyME (Flotilla, Vida Grupo, Daños PyME, etc.).
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Additional benefit: 5% discount on your 2nd and 3rd PyME insurance.
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Technological University of Monterrey: 20% off postgraduate programs, continuing education, or business agreements.
¿Quiénes pueden acceder al crédito?
Exclusively for current CAINTRA members. It is essential to have the current membership when requesting any of the products included in the agreement.
What are the requirements for the PyME Credit?
For amounts up to $8 million pesos, the assessment is made using bank statements. For amounts exceeding $8 million, an assessment with financial statements is required. In both cases, proof of ownership is required (with exceptions possible for smaller amounts depending on the profile).
What do I need to get the Advanced Business Link Account?
The opening amount is $0 and membership is free for the first 12 months.
Does payroll outsourcing have any cost?
Online dispersion is free for the first 4 months after hiring. Subsequently, benefits are maintained if the company has more than 10 employees and a dispersion amount greater than $3,000 per employee, or a total amount greater than $10,000 per employee.
Do medical and dental services for employees have conditions?
Yes. The benefits remain valid as long as the employee receives payroll deposits into their account in an amount of at least $3,000 per month, does not have portability to another bank active, and has the beneficiary register.
Does the TPV have any membership or rental costs?
No. With this agreement, the membership fee and equipment rent are $0. Additionally, there is no minimum billing requirement.
What if I already have a credit with another bank?
You can bring your credit to Banorte. They offer a reduction of -0.5% on your current rate, with a minimum rate of 11% and an opening fee of 0%.
Do the discounts on insurance apply to any policy?
They apply to PyME Insurance (Auto Fleet, Grupo Vida, Covid Protection, Commercial and Industrial/PyME Damage) and personal insurance (Home, Banorte Women's Car Insurance, TDC Protection). The discounts are 10% and 5% for the 2nd and 3rd PyME insurance policies.
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