Aviva secures USD$50 million credit line ahead of Series A funding round
Aviva obtains a USD$50 million credit line from CIM to expand its phygital model and bring financial services to underbanked communities in Mexico.
Aviva has taken a major step forward in its expansion strategy. The Mexico-based startup, known for using AI and natural-language processing to transform conversations into structured data, has secured a US$50 million credit line from Community Investment Management (CIM). This milestone marks a new phase of growth for Aviva, strengthening its capacity to serve underserved communities across the country.
A Landmark Funding Round for Financial Inclusion
The new credit line, equivalent to MXN $900 million, is Aviva’s first institutional financing agreement with an international lender. CIM, an impact-focused investment manager, supports scalable and responsible innovations that expand credit access to underbanked populations.
This transaction is Aviva’s third funding deal in 2025, further diversifying its capital sources as the company prepares for its upcoming Series A. With this boost, Aviva aims to provide financial services to an additional 500,000 people traditionally excluded from formal financial systems.
CIM highlighted the significance of the partnership.
“Aviva is the gateway for many people who remain overlooked by fintechs and banks, including the 58% of Mexicans working in the informal sector,” said Elena Amato, Managing Director at CIM.
She added that Aviva’s conversational assessment model removes barriers that have historically restricted access to credit.
A ‘Phygital’ Model Driving Adoption in Small Cities
Aviva’s approach bridges digital efficiency with physical accessibility. Its phygital model integrates AI-powered mobile applications with low-cost physical kiosks located across smaller cities, areas typically underserved by traditional financial institutions and fully digital fintechs.
Instead of paperwork-heavy processes, customers complete a seven-minute video call guided by a bot. During this conversation, Aviva’s proprietary originations engine uses natural-language processing, computer vision, and machine learning to evaluate repayment capability and issue micro-loans ranging from MXN $2,000 to $20,000.
This model has enabled rapid expansion: in just three years, Aviva has grown to more than 100 cities across ten Mexican states, focusing on regions with fewer than 500,000 inhabitants.
Impact on Underserved Communities
Aviva’s founders emphasize that the impact goes beyond financial products.
“This investment will not only support micro-entrepreneurs. It will also inject liquidity into cities that have been overlooked time and time again by other players,” stated Filiberto Castro, founder and co-CEO of Aviva.
By removing documentation and credit-history barriers, Aviva is opening financial doors to millions of individuals often excluded from traditional banking systems. CIM’s involvement reinforces the startup’s vision of responsible, data-driven credit access.
Aviva’s Funding Momentum in 2025
To date, Aviva has secured more than US$16 million (MXN $288 million) in equity capital. Earlier this year, the startup also received a US$1.5 million (MXN $27 million) convertible debt investment from IDB Lab, the innovation and venture capital arm of the Inter-American Development Bank.
The new partnership with CIM further solidifies Aviva’s trajectory toward national scale and positions the company as one of the most innovative players in inclusive fintech across Mexico.
