How to structure a guarantee strategy to grow with consumer credit without increasing risk

Latin American business owners analyzing credit sales growth with stable and protected financial indicators.

Consumer credit in Mexico continues to grow. More and more companies—retailers, fintech firms, leasing companies, marketing companies, and service providers—understand that offering installment payments increases sales, average order value, and customer loyalty.

The problem isn't selling on credit. The problem is the risk.

Many companies hold back because they fear:

• Increase overdue accounts receivable

• Losing liquidity

• Assume collection costs

• Impair your cash flow

The solution is not to stop selling on credit. The solution is to structure a guarantee strategy that allows for growth without compromising financial stability.

1. The common mistake: sell first and protect later

In many businesses, credit is implemented reactively:

1. A demand for financing is detected.

2. Credit begins to be granted.

3. The first defaults appear.

4. An attempt is made to "correct" the problem afterwards.

This model generates:

• Financial stress

• Increased recovery costs

• Uncertainty in projections

A professional strategy does the opposite: First the guarantee is structured, then the credit is scaled.

2. What is a guarantee strategy for consumer credit?

It's not just about purchasing a product.

A guarantee strategy involves:

• Define the ideal customer profile

• Establish maximum amounts per transaction

• Determine appropriate deadlines

• Integrate a financial protection scheme per transaction

• Measure impact on cash flow

This is where tools like ZRS become key.

3. How ZRS works within the strategy

ZRS is a surety bond designed to guarantee loans granted to individuals.

Unlike traditional credit insurance that protects entire portfolios, ZRS:

• Guarantees each individual transaction

• It covers 100% of the guaranteed amount

• It has no deductibles

• Enables scalable growth

This changes the dynamics of the business:

If the customer defaults, the warranty covers it.

The risk is no longer concentrated in your balance sheet.

4. Real financial benefits of structuring the guarantee before growth

✔ Greater flow predictability

Credit sales become projectable income.

✔ Growth without increasing provisions

You don't need to increase reserves due to the risk of non-payment.

✔ Reduced collection costs

Less operational pressure.

✔ Improvement in financial indicators

Lower exposure to non-performing loans improves perception among banks and investors.

5. Which sectors benefit the most

• Retail with installment sales

• Consumer credit fintech

• Equipment leasing companies

• Companies that sell durable goods

• Self-financed service providers

In all these models, credit drives sales. But only if it is properly protected.

6. Simplified case study

Company without guarantee:

• Increase sales by 20%

• Non-performing loans grow 8%

• Liquidity deteriorates

Company with a ZRS strategy:

• Increase sales by 20%

• Guaranteed individual risk

• Stable flow

• Sustainable growth

The difference isn't in selling more. It's in how growth is protected.

7. Integration with other guarantees

A solid strategy can combine:

• ZRS for loans to individuals

• Bonds for corporate contracts

• NOWO for leases without a guarantor

This allows the company to grow on multiple fronts with controlled risk.

Guarantee strategy for consumer credit. Consumer credit is a powerful growth lever, but only when it is intelligently structured.

Companies that lead don't eliminate risk. They manage it.

At We Link we help design guarantee strategies that allow you to scale sales, protect liquidity and strengthen financial stability.

Growing without risk is not a utopia . It's a strategic decision.

www.welink.mx