Mexican SMEs Face Financial Hurdles in Expanding US Trade

Mexico's growing exports to the United States are creating opportunities for small and medium-sized enterprises (SMEs), but financial constraints limit their ability to expand internationally. According to Marco, a financial infrastructure platform, improving access to liquidity and specialized financial services will be critical for Mexican SMEs seeking to capitalize on record trade volumes.

The opportunity for Mexican companies to do business with the United States has never been greater, says Peter Spradling, CEO and co-founder of Marco. However, waiting several months to receive payment can restrict business growth. Payment terms in international trade commonly range from 30 to 120 days, leaving exporters exposed to financing needs while they wait for customers to settle invoices.

Exchange rate movements can also significantly affect exporters' revenues. During the first half of 2026, the Mexican peso appreciated 2.86% against the US dollar, reducing the value of revenues once converted into local currency. For companies that invoice in dollars but receive payments months later, a stronger peso can result in significant losses.