Bepensa Capital Exits US Market, Pivots to Prioritize Mexican Operations

MEXICO CITY – December 26, 2025 – Bepensa Capital, S.A. de C.V., the financial division of the diversified Mexican conglomerate Grupo Bepensa, announced today the successful completion of a full sale of its United States business, Bepensa Capital Inc., to Generosity Lending Services, LLC. The move marks a definitive exit from the U.S. financial services market for the company and signals a major strategic realignment toward strengthening its operational focus and capital allocation in Mexico.

The transaction, finalized this week, transfers the entirety of Bepensa's U.S. financial operations, which had established a significant footprint across 32 states. Company officials framed the divestiture not as a retreat, but as a calculated decision following a comprehensive strategic portfolio review. The sale is designed to unlock resources and sharpen the company's competitive edge in markets it deems a priority for long-term expansion.

A Strategic Divestment for Future Growth

The sale of Bepensa Capital Inc., which operated in the U.S. under the brand FinBe USA, is the culmination of a deep strategic assessment by Grupo Bepensa's leadership. According to the company's announcement, the decision was driven by a long-term vision to concentrate resources on projects and markets demonstrating the highest potential for sustainable growth. The U.S. entity, which will continue its operations on an ongoing basis under the new ownership, was identified as a valuable asset that could be sold to fuel more promising ventures closer to home.

This strategic pivot is centered on a bullish outlook for the Mexican economy. José Juan Vázquez Basaldúa, the Managing Director of Bepensa Capital, provided clear reasoning for the move. “As a result of the strategic review of our portfolio and in line with the Company’s long-term vision, we decided to sell this asset and focus our resources on markets and projects with greater growth potential,” he affirmed. “Our focus is directed toward Mexico, based on the results and opportunities we identify over the medium and long term.”

This statement underscores a deliberate shift in capital allocation, moving away from the broad, multi-state U.S. market to double down on the perceived opportunities within Mexico. The company aims to leverage its deep domestic knowledge and existing infrastructure to capture a larger share of the local financial services sector.

Reinforcing its Mexican Stronghold

With the proceeds and freed-up resources from the sale, Bepensa Capital plans to aggressively pursue a strategy of reinforcement and consolidation within Mexico. The company's immediate goals include the development of new, highly competitive financial products tailored specifically to the needs of its Mexican client base. This focus on innovation is expected to be a key driver of its growth strategy.

Furthermore, the company will prioritize regional consolidation, likely seeking to expand its presence and influence in key economic zones across the country. By concentrating its efforts, Bepensa Capital aims to build a more robust and resilient operation capable of generating sustainable value for its stakeholders over the coming years. The move is a clear vote of confidence in Mexico's economic trajectory and Bepensa's ability to capitalize on it.

This sharpened focus is intended to enhance the company's agility and responsiveness to the evolving demands of the Mexican market, allowing it to compete more effectively against both domestic and international financial institutions operating in the region.

Ensuring Operational and Personnel Continuity

Addressing the human impact of the transaction, Bepensa has outlined a clear path forward for employees affected by the sale. All personnel hired and based in the United States will see their employment continue with the new owner, Generosity Lending Services, LLC, in accordance with all applicable labor laws. This ensures operational continuity for the 32-state business and stability for its workforce.

For Mexican employees whose roles were linked to the U.S. operation, Bepensa has committed to providing alternatives for relocation within its extensive corporate structure. This move aims to retain valuable talent and expertise within the broader Grupo Bepensa organization, redeploying skilled personnel to support its renewed push in the Mexican market.

In a further sign of the new owner's commitment to the acquired business, the company announced that Scot Seagrave will join the organization and assume the role of Managing Director. Seagrave will be responsible for overseeing the day-to-day operations of the former Bepensa Capital Inc. business, signaling a commitment to a smooth transition and continued service for its existing customer base.

A Reflection of Grupo Bepensa's Dynamic Portfolio Management

This strategic divestment by Bepensa Capital is reflective of the broader philosophy of its parent company, Grupo Bepensa. As a major Mexican business group with over 40 distinct companies, Grupo Bepensa manages a highly diversified portfolio organized into five core divisions: Bepensa Beverages, Bepensa Motriz (automotive), Bepensa Industrial, Bepensa Spirits, and Bepensa Capital.

The conglomerate employs more than 14,000 people across Mexico, the Dominican Republic, and the United States, managing a portfolio of brands that includes global leaders. The decision to exit the U.S. financial market while other divisions may maintain a U.S. presence highlights the group's sophisticated and sector-specific approach to capital allocation. It demonstrates a willingness to make decisive, large-scale adjustments to its portfolio to align with evolving market conditions and long-term strategic objectives. By concluding its participation in the U.S. financial sector, Bepensa Capital is now fully aligned with its parent company's mandate to prioritize investments that generate the most significant and sustainable value in its chosen core markets.