How Banamex and SEDECO Are Boosting Jalisco's MSMEs in 2026: How to Benefit?

with the financial expertise of one of the country’s leading banking institutions. The objective is to offer accessible financing, technical assistance, and tools that enable Jalisco’s entrepreneurs to grow, formalize their operations, and adapt to an increasingly digitized environment.

Preferential Financing and Financial Education: The Core of the Agreement

One of the central pillars of the agreement between Banamex and SEDECO is the creation of a comprehensive offering of financing schemes, specifically designed to meet the needs of the state’s MSMEs.

Businesses established as sole proprietors (individuals with business activity) or legal entities will be able to access:

• Loans with preferential interest rates
• Differentiated financial terms
• Products tailored to the size and sector of the business
• Support throughout the application process

This initiative aims to reduce one of the main historical barriers to business growth: access to formal credit under competitive conditions. However, the agreement extends beyond financing. For SEDECO, the true impact lies in financial education and business professionalization.

“We wanted to create an agreement that would allow us to address three major objectives: financial inclusion, digitalization, and most importantly, helping our economic engine, which are MSMEs, by providing them with financial education,” stated Cindy Blanco, Jalisco’s Secretary of Economic Development.

Financial Services and Tools to Strengthen Business Management

The agreement between Banamex and SEDECO also encompasses a range of services designed to professionalize the daily operations of Jalisco’s MSMEs, streamline their administration, and enhance their efficiency.

Key benefits include:

• Business checking accounts
• Investment plans tailored to business cash flow
• Point-of-sale (POS) terminals to promote digital payment collection
• Payroll disbursement services
• Electronic and mobile banking
• Access to business conferences
• Sectoral analysis for strategic decision-making

Banamex and SEDECO: An Alliance with a Long-Term Vision

The collaboration between the public sector and private banking reflects a shared vision: Jalisco’s economic development relies on strengthening its MSMEs. It is not merely about granting credit but about building business capabilities that enable companies to survive, scale, and compete.

This type of alliance also sends a positive signal to the entrepreneurial ecosystem, demonstrating that institutional support mechanisms exist for those committed to starting or consolidating their businesses in the state.

How to Access the Benefits of the Agreement?

Businesses interested in participating in this program can do so immediately. To access the preferential benefits stemming from the agreement, they must:

• Visit the Banamex portal for MSMEs (click here)
• Request financial advice
• Use the promotional code “Jalisco”

This process will allow entrepreneurs to receive personalized information on the available financing schemes, services, and tools.

MSMEs, The Backbone of Jalisco’s Economy

The potential impact of this alliance becomes even more significant when observing the state’s economic composition. According to data from the National Institute of Statistics and Geography (INEGI), 99.78% of businesses in Jalisco are MSMEs, confirming their role as the main economic and social engine of the entity.

How Many Businesses Operate in Jalisco?

INEGI’s 2024 Economic Censuses provide a detailed overview of Jalisco’s business ecosystem:

• 426,865 establishments operated in the state
• 2.5 million people employed
• 12,861 businesses began operations in 2024
• 29,017 economic units were located in rural areas
• 16,433 establishments correspond to public services or religious associations
• 365,421 economic units belong to the private sector and parastatal companies

This latter segment concentrates most of the economic activity and reflects the dynamism of the local productive sector.

Business Size in Jalisco: An Economy Driven by Micro-Enterprises

An analysis by business size reveals a structure characterized by a high presence of micro-enterprises:

• 94.2% of economic units are micro-enterprises
• They employ 40.6% of the total workforce
• They generate 21.1% of the gross census value added
• Large enterprises represent just 0.2% of the total
• They employ 27.2% of the total workforce
• They generate nearly 40% of the gross census value added

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