Fraud alarm signals when they offer you a credit

The credit environment in our country has experienced considerable improvements in recent decades. While before obtaining a personal loan or business credit was truly complicated and infinite bureaucratic procedures were required, today there are dozens of accessible alternatives , which require much less requirements and can also be managed through digital platforms that make the whole process much easier.

But not everything is rosy, Internet fraud related to credit has existed almost from the very beginning of the web, and has evolved to become quite sophisticated and to some extent credible hoaxes that today affect thousands of people worldwide.

There are regulated and safe ways to get a loan for your company, and with some common sense it is easy to distinguish them from fraud attempts. Stay tuned for these signs so they don’t see your face.


1.- Unsolicited contact

Unsolicited contact

While some banks offer loans to their users with good credit history, really “cold” contact is not a common method among lenders to get prospects, for the simple and simple reason that there is much more demand for loans than the offer.

If any “lender” or “lender” with whom you had no previous contact gets in touch with you by telephone, by mail or by courier to offer you a pre-approved credit, you can be almost certain that it is a scam that seeks to steal your money or your personal data.


2.- Non-traditional advertising

2.- Non-traditional advertising

Business credit institutions, say banks or private investors, are usually not advertised on social networks, instant messaging or flyers. For the same reason that they don’t need to attract customers in a massive way. If you notice some type of advertising that offers credits for companies but that looks more like the type of ads used by pawnshops or short-term personal loans, it is very likely that it is a hoax.


3.- Requests for “section”

credit request

There is absolutely no reason why they have to ask you for money to manage a business credit or to “set it aside.” Financial institutions request a series of prerequisites precisely to determine if a candidate is eligible or not before starting with verification processes that may generate some cost. In addition, such costs are normally absorbed within the interest rate of the credit.

The vast majority of internet credit scams are intended for users to disburse some small amount as a result of the promise that this will ensure a credit and, of course, as soon as they get it, they simply disappear.

Some credit brokers charge in advance for the management service, but make it clear that these are fees and not amounts that ensure the authorization of the loan. Either way, it is best to work with a broker that receives your commission from the bank. In Himitum, for example, we help you manage your business credit in a completely transparent and free way.


4.- There is no physical address

financial loan

Even credit platforms that operate exclusively through the Internet must have a registered tax address. In the case of serious credit institutions, it is normal for this physical address to correspond to a formal and well established office, but rather to a full corporate one.

Internet scammers do not have a verifiable physical address because they are not established companies. Sometimes they use “ghost” addresses, but their authenticity can always be verified by visiting the location.

Another alarm signal is that a company with physical address in Monterrey, for example, offers you a credit if you live in Yucatan. It is the kind of strategies that scammers use to complicate the validation of their address.


5.- Generic email addresses

Generic email addresses

Absolutely no serious lending institution uses emails like tucré, or prestamoinmediato @ yahoo. All companies or institutions of this class have their own domain. So whenever you receive a suspicious email stating that you have a pre-tested loan or something like that, verify that the sender’s email address actually has the domain of the lender it claims to be.

If it is a domain address, but still have doubts, you can always call the corporate to confirm the authenticity of the information.


6.- Guaranteed approval or pre approval

6.- Guaranteed approval or pre approval

Banks sometimes offer pre-approved loans to their clients who have demonstrated good credit management. But they are usually moderate amounts and it is much more common that they are personal loans than business ones. It is not normal for a bank with which you have no contact to “pre-approve anything” and much less there are “secured loans” through an advance or amount per section.

That they make promises that sound too good, that they assure you something or that they insist that, even if you don’t have a good credit history, you can access a loan, they are warning signs of possible fraud.


7.- Sales techniques

Normally, a loan is something that you request from a lender and not something that a lender comes to sell to you, especially when it comes to business loans, which usually involve more delicate amounts. A lender has no need to pressure you to apply a loan or to take advantage of a limited “opportunity”.

The moment you feel they want to sell you something or pressure you to make a decision, you can decide, quite surely, that it is a scam.


In Himitum we want to promote a healthy and transparent business credit culture. Therefore, regardless of whether you are an entrepreneur who wants to start with your company, that you have an SME that you want to grow or that you need a credit of any kind for your business, we help you compare between dozens of guaranteed and secure options so that Choose the best one for you.

We also support you throughout the entire management and best of all, we do it transparently and without cost.