Unlocking $9M to Expand Inclusive Motorcycle Lending in El Salvador

Flexiplan is an asset-backed lending fintech based in El Salvador that provides motorcycle financing to underserved and unbanked populations. With average loans of ~$1,500, Flexiplan enables income-generating vehicle ownership for Salvadorans with limited or no access to traditional banking services. By focusing on affordable mobility, Flexiplan plays a vital role in advancing financial inclusion and economic opportunity across the country.

This engagement was delivered under Investment Facilitation El Salvador (IFES), a USAID/INVEST program designed to mobilize private capital into high-impact enterprises that promote inclusive economic growth, job creation, and regional stability.

CrossBoundary served as transaction advisor to Flexiplan, supporting the company in raising growth capital to expand its loan book, strengthen its operations, and scale into adjacent markets, including electric motorcycles. The engagement focused on validating Flexiplan’s investment case, preparing for investor engagement, and structuring the capital raise to meet both growth and impact objectives.

For more on this engagement and the people it impacts, read this spotlight on Flexiplan.

CrossBoundary applied a tailored investment facilitation process to position Flexiplan for a successful raise, drawing on deep financial expertise and market insight. Key activities included:

• Opportunity Validation: Assessed Flexiplan’s capital needs, proposed uses of funds, and ideal capital structure to support scale, liquidity, and sustainability.
• Financial Model Development: Revised the company’s financial model to reflect updated projections, key value drivers, and capital deployment strategy.
• Investment Memorandum Preparation: Produced a compelling investor-facing document articulating Flexiplan’s business model, growth trajectory, and market opportunity within the Salvadoran and broader Northern Central American mobility sectors.
• Investor Mapping and Outreach: Identified and prioritized strategic and financial investors—including local commercial banks, regional asset managers, and development finance institutions—and supported initial engagement through tailored materials and presentations.
• Due Diligence Preparation: Worked closely with Flexiplan’s leadership to prepare for investor due diligence, including responding to data requests and clarifying assumptions underpinning the financial model and growth plans.
• Deal Structuring: Advised on capital structuring options, helping align financing instruments with investor expectations and Flexiplan’s operational realities.