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Financiera FDL

Venture debt

Managua · 13 people tracked

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Investment thesis

Financiera FDL is a socially driven microfinance institution serving Nicaragua through a network of 38 branches across 16 of the country's 17 departments. It offers financial products—primarily credit—alongside non-financial services such as technical assistance, training, and marketing support delivered via strategic alliances, aiming to capitalize mainly rural families and contribute to national development. Over 77% of its clients live in rural areas and 51% are women, reflecting an emphasis on equity and support for vulnerable communities. Through its Ecomicro green-finance program, FDL funds agroforestry, silvopastoral, and reforestation systems, supporting climate adaptation measures for local producers.

Source: firm website, verified Oct 11, 2026.

HQ
Managua, NI
Instruments
Debt
Founded
2016

Team · 13 people

from the firm's website
Julio Flores Coca· Gerente Generalin

Economist with an MBA and 24 years of experience in microfinance. Former president of the Central American microfinance network REDCAMIF, board member of SINRIESGOS, and president of the board of the Fe y Alegria association.

Ana Elizabeth Campos F.· Vice Gerente General

Business administration graduate of UNAN with a postgraduate degree in project formulation and evaluation and an MBA. Former specialized researcher at the Nitlapan UCA institute, with 20 years of experience in the financial sector.

Blanca Barcia Tapia· Gerente de Operaciones

Industrial engineer from UNI with a postgraduate degree in integral risk and financial profitability analysis with PLD/FT emphasis and international certification in coaching and NLP, bringing broad experience in national banking.

Francys Aguilar Condega· Gerente de Finanzas y Administración

Public accounting and finance graduate of UNAN with a postgraduate degree in financial and banking management and an MBA from UCA. Has worked at FDL for 19 years in roles including treasury head, financial analyst, and deputy finance manager.

Gilmer Gutiérrez Mejía· Gerente de Crédito

Business administration graduate with a master's in business management. Has worked at FDL for over 26 years in roles including regional deputy business manager, branch manager, and accountant, currently serving as business manager for the Center-North, Center-South, North, and Segovias regions.

Ivania Teresa Navarro· Gerente de Gestión Humana

Agricultural administration graduate with an MBA and certified mentor/advisor specialization. Former specialist researcher at the Nitlapan-UCA institute, with over 20 years at FDL.

Jader Paz López· Auditor Internoin

Public accounting and finance graduate holding a CPAML anti-money-laundering certification from FIBA and FIU. Has over 16 years of experience in the financial industry as both external and internal auditor.

Karem Delgadillo Cruz· Gerente de Negocios

Industrial engineer with an MBA focused on finance from UCA and a microfinance specialization from INCAE Nicaragua. Has over 20 years of experience in microfinance institutions, 16 of them at FDL, holding various roles and currently managing business in the Pacific, West, East, and South zones.

Luis Cuadra Gutiérrez· Gerente Tecnología

Computer engineer specializing in financial and project management with over 28 years of experience in ICT services, having implemented core banking systems, ERP, dashboards, and quality/risk management systems.

Mario José Flores· Gerente de Gestión Integral de Riesgo

Agronomy engineer with an MBA from UCA and a diploma in integral risk management. Has over 20 years at the institution in roles including regional deputy business manager and risk manager of Asociacion FDL.

Oscar Manzanares M.· Gerente de Finanzas Verdes y Desempeño Social

Agronomy engineer with an MBA. Former specialist researcher at the Nitlapan UCA institute, with over 20 years at FDL in roles including regional deputy business manager, deputy product manager, and branch manager.

Pablo A. Cano Mena· Administrador PLD/FT

Business administration graduate specializing in banking and finance, with 25 years of experience across compliance (PLD/FT), operations, and business roles.

Yelba Navarrete Urbina· Gerente de Recuperaciones y Cobranza

Industrial engineer with an MBA focused on finance and over 20 years of experience in the national financial system, having worked in technology, operations, collections, credit, risk, quality control, and processes.

Frequently asked questions

What sectors does Financiera FDL focus on?
Financiera FDL focuses on AgTech, Climate Tech, Fintech, Impact & Social Good, InsurTech.
Where is Financiera FDL located?
Financiera FDL is headquartered in Managua, NI.

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