On September 11, 2000, a story began that, 26 years later, is still being written. Creditaria was founded in Madrid with an idea that was as simple as it was ambitious: helping people make better financial decisions and find solutions at important moments in their lives.
What began as a project specializing in financial intermediation and advice evolved over time, adapting to different markets, creating new business models, and crossing borders to become an international ecosystem of financial, legal, mortgage, training, and real estate services.
Last September 11, 2026, we celebrated 26 years of experience, innovation, entrepreneurship, and, above all, trust. Because behind every loan, every franchise, every transaction, and every new company created over the years, there is something much more important: People working to build a better future.
From Madrid to the world: where our story began
Creditaria was founded in Madrid on September 11, 2000, at a time when brokers and financial intermediaries were still relatively uncommon in Spain. From our early years, we set out to do things differently: compare options, understand clients’ needs, and help them find suitable financial solutions by providing expertise, support, and specialized knowledge.
Over time, this philosophy became part of our DNA:
"Putting the client first, using experience to simplify complex decisions, and continually evolving." Gonzalo Bellón, Creditaria Founding Partner.
Creditaria’s history recalls that the company was a pioneer in Spain in mortgage-related products, refinancing, and debt consolidation, at a time when these types of solutions were just beginning to reach the general public.
2006: We began crossing borders
Our international outlook emerged very early. In 2006, Creditaria began operating in Portugal, developing services related to mortgage loan processing, financial advice, and debt refinancing. That expansion was an early sign of something that would later become a constant throughout our history: adapting our expertise to new markets.
We later established a presence and gained experience in several markets, including Chile, Colombia, and Brazil, but one of the most important chapters in our history was still to come.
Mexico: The project that transformed Creditaria
Creditaria arrived in Mexico in 2007. The first franchise launched with Juan Kasuga, and from there we developed a model that would go on to transform Mexico’s mortgage brokerage market. Ten years later, the company had surpassed 220 offices and reported a record 25 billion pesos in mortgage placements.
An extraordinary expansion began from there. "The model enabled professionals from banking, finance, and entrepreneurship to build their own businesses, leveraging the Creditaria brand, banking relationships, technology, training, and experience." Juan Kasuga - Former Director of Creditaria Mexico.
The network eventually grew to more than 1,000 offices in Mexico, supported by thousands of advisors and relationships with dozens of financial institutions. But perhaps one of the greatest achievements was not simply the size of the network. It was helping to professionalize mortgage brokerage in Mexico. Creditaria helped create and strengthen an ecosystem in which specialized financial advisors became increasingly important intermediaries between banks and families seeking financing.
We create entrepreneurs, not just offices
From the beginning, we understood that growth did not simply mean opening branches. It meant creating business owners. Through our franchise model, more than a thousand entrepreneurs have been able to build businesses related to financial services. The group’s corporate materials currently put the number of entrepreneurs connected to this story at more than 1,100. To help them grow, we developed tools that ultimately became part of the Creditaria model.
One of these was Universidad Creditaria, created to keep the network continually trained in financial products, regulations, sales processes, and customer service. Training initiatives such as Gimnasio Creditaria followed, along with technology systems, sales tools, and tracking platforms to help our advisors work ever more efficiently. That spirit lives on today: experience has value only when we are able to share it.
From mortgages to a 360° financial vision
Creditaria began with a strong focus on mortgage loans, but our clients’ needs evolved, and we evolved with them. Over time, we added solutions for SME loans, insurance, investment funds, auto loans, personal loans, and other financial options.
Today, Creditaria’s offering in Mexico aims to support clients at different stages of their financial lives: buying a home, improving a mortgage, financing a business, protecting assets, investing, or purchasing a car. This diversification shows something we have learned over 26 years: products change, technology changes, and markets change, but the need for a good advisor remains.
Spain: Turning financial problems into new opportunities
While the Mexican model evolved into a large financial services network, Creditaria Spain developed another specialty that is now part of the group: specialized legal advice.
Creditaria Estudio Legal currently works in areas related to debt, deed-in-lieu arrangements, mortgage proceedings, and Spain’s Second Chance Law. Cases published by the firm describe real situations in which people facing serious debt problems have obtained court-ordered debt relief and the opportunity to rebuild their financial lives.
It is another way to fulfill the mission that began in Madrid in 2000: helping people regain control of their financial lives.
Canada: A new international chapter
In 2023, we took another important step by beginning operations in Canada. The Canadian market opened the door to a new generation of services related to mortgages, insurance, investments, and financial planning. Creditaria Financial Group Corp. was registered in Canada in August 2023.
The strategy later expanded to exploratory efforts in the United States and an opportunity we clearly identified: Connecting North America financially with Mexico.
Millions of Mexicans live outside Mexico, while more and more Americans and Canadians are considering our country as a place to invest, retire, buy a second home, or build wealth. New projects grew out of that opportunity.
2025: A new chapter for Creditaria Mexico
A company that has been growing for 26 years must also know how to transform. In September 2025, Creditaria Mexico began a new chapter by joining Grupo HIR, one of Mexico’s established business groups with a long track record in the financial and real estate sectors. The transaction brought greater institutional backing, technology investment, and new opportunities for the network, while Creditaria Mexico retained its operating structure and leadership.
At the time of the transaction, the company had more than 1,000 franchises and approximately 2,000 advisors, and it was estimated that around one in every seven bank mortgage loans in Mexico was handled through the Creditaria network. More than the end of a chapter, it represents another quality that has been part of our brand since 2000: Evolving to keep growing. This fulfills the idea and vision of our founders "Leave things in better condition than we found them" —the legacy left to us by Daniel Fernández - Creditaria Founding Partner R.I.P.
Creditaria USA: Break down the barriers to financing and homeownership with Mexico Mortgage Hub and Homes in Mexico
Mexico Mortgage Hub, created to help Americans, foreign residents of Mexico, and Mexicans living abroad find financing to purchase property in Mexico. The platform is part of Creditaria USA and connects international buyers with mortgage options in Mexico, guiding them through the prequalification, comparison, and application process.
The second is Homes in Mexico, a project that shifts the focus from financing a property to finding one. It specializes in bringing Mexican real estate opportunities to international buyers. Homes in Mexico works particularly with buyers and investors from the United States, combining property searches, real estate guidance, and access to mortgage solutions through Mexico Mortgage Hub.
And Creditaria Financial Services will specialize in mortgage financing solutions, focused on facilitating access to credit for property purchases and real estate investment. It will serve clients residing in the United States as well as interested international buyers and investors. Our goal is to guide each client through the entire mortgage process, from the initial review of their financial profile and identification of financing options to assembling the application file and closing the transaction.
In many ways, this is a natural evolution of the knowledge Creditaria has accumulated around the world over more than two decades. First, we helped people compare mortgages within a country. Today, we can help a client living in one country finance their assets in another market. In doing so, we have built something that would have been difficult to imagine 26 years ago: an ecosystem where a client can discover a real estate opportunity in one country, receive guidance, evaluate financing, and complete their investment with support from specialists within the same group, thousands of miles away. Creditaria was founded to help people secure financing. Today, we also help them find where to invest it.
26 years can be summed up in one word: trust
Over these 26 years, we have founded companies, developed franchises, trained advisors, built technology, forged partnerships, crossed borders, and been part of thousands of financial journeys.
But none of these achievements would have been possible without trust:
- The trust of those who let us help them buy their first home.
- That of the business owner who entrusted us with financing their business.
- That of the franchisee who chose to build their future around our brand.
- That of the financial institutions that work with our advisors.
- That of our colleagues around the world, our partners, and their families.
And that of everyone who, over these 26 years, has made it possible for the company founded in Madrid on 11 de septiembre de 2000 to continue evolving.
Today, we are not just celebrating where we came from. We are celebrating everything we can still build.
Today, the page is called Creditaria USA; tomorrow, Creditaria Indonesia; and the day after, perhaps Creditaria Japón—or wherever the world allows us to continue writing our story. The financial world will keep changing. New technologies, products, markets, and ways to invest will emerge. And we will keep doing what we have done since day one:
Listen, learn, innovate, and use our experience to open up opportunities.
Thank you to every client, colleague, franchisee, advisor, financial institution, and partner who has been part of this story.
Thank you for 26 years of trust. Thank you for 26 years of bringing plans to life, building wealth, and creating opportunities.
And above all: