«From Access to Impact: Unlocking the Power of Small and Medium Enterprises»

Why is Mexico’s economic pillar walking in the shadows?

Mexico is a nation of entrepreneurs. More than 90% of its companies are small and medium-sized enterprises (SMEs), responsible for 70% of national employment. Yet, the vast majority operate in the dark of informality, outside the reach of the financial system that should be powering their growth. The result is a country with a dual economy: a small core of corporations with access to capital, and millions of honest entrepreneurs condemned to precarity and slow suffocation.

Financial consultant and expert Víctor Trujillo Sierra argues that this exclusion is not accidental, but a structural design flaw. It is the result of a system that focuses primarily on traditional metrics and requirements (collateral, corporate documentation) while overlooking the most relevant indicators for SMEs (daily cash flow, discipline, and dignity).

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This book is an urgent call to redesign Mexico’s financial architecture.

Through compelling data, real-life case studies (from the corner taquería to the digital exporter), and lessons from global models (Chile, India, Colombia, and more), Victor offers a practical roadmap to turn exclusion into empowerment. From Access to Impact is essential reading for entrepreneurs, fintechs, bankers, regulators, and anyone who understands that Mexico’s economic future hinges not on a few giants but on millions of small businesses that must finally be given the tools to thrive.

“Inclusion is not charity, it is justice. And justice demands we act.”

About the author

Víctor Andrés Trujillo Sierra is an entrepreneur, financial consultant, and founder of multiple institutions within the Mexican financial ecosystem. With more than 17 years of experience, he has dedicated his career to transforming access to and operation of the financial system in Mexico, moving from strategic consulting to building platforms and institutions with a direct impact on individuals and companies.

As a founding partner of Tenet Consultores, he has led the creation, development, and authorization of high-level financial entities, participating in the authorization of banks and Fintech companies, as well as specialized providers in the financial system. His career positions him as an influential figure in the institutional and regulatory design of the new generation of financial services in Mexico.

In his entrepreneurial role, Victor has promoted projects aimed at solving real market problems through technology, inclusion, and efficiency. He is a founding partner of Kuhnipay, a Fintech focused on promoting women entrepreneurs and small and medium-sized companies; of Traxwire, a money transmitter that enables domestic and international payments for Mexican and foreign companies; and a partner at Levo, an independent investment advisor focused on offering sophisticated treasury solutions for financial institutions and companies with advanced needs.

Victor holds a bachelor’s degree in Financial Management and a master’s degree in Innovation for Business Development from Tecnológico de Monterrey, as well as multiple certifications in corporate governance, investment, credit, and project management.

His career has been guided by a clear vision: to turn access into impact. Through entrepreneurship, innovation, and the design of robust financial institutions, he seeks to expand economic opportunities for thousands of people and organizations, building a more efficient, competitive, and inclusive financial system.

First Edition
November, 2025

ISBN (Amazon)
‎ 979-8275003673