Unlock Cash Flow for Your School
We provide tuition factoring services for educational institutions worldwide, helping schools get paid today while supporting families with flexible payment options.
Challenges We Help You Overcome
We understand the financial complexities of running an educational institution. Our solutions are designed to address your most pressing liquidity needs.
Delayed Payments
Waiting months for tuition payments creates unnecessary liquidity challenges that impact your ability to invest in your school.
Unpredictable Revenue
Fluctuating payment schedules make it difficult to plan for the future and manage operational expenses effectively.
Access to Capital
Traditional financial institutions often lack specialized solutions for the unique needs of the education sector.
The Eskalar Solution
We purchase tuition receivables from schools, giving them instant cash while offering families flexible payment options—all backed by sophisticated risk assessment.
Instant Liquidity
Schools get paid immediately for tuition receivables, unlocking cash flow for operations and growth.
Family Flexibility
Students and families get flexible payment plans, reducing dropouts and improving retention rates for schools.
Smart Risk Assessment
Our advanced models enable smarter financing decisions at the student level, ensuring sustainable growth.
Why Partner With Eskalar
- Personalized student assessment vs. generic school-level scoring
- Customized financing that unlocks access for underserved families
- Built specifically for the unique needs of educational institutions worldwide
- Local support teams dedicated to your school's success
How Eskalar Works
Our streamlined process combines technology and finance to deliver rapid results for schools and families.
School Submits Receivables
Educational institutions submit their tuition invoices and student enrollment data through our secure platform.
AI Risk Assessment
Our advanced ML models analyze each student using 42+ behavioral and demographic variables to predict payment success.
Eskalar Purchases Invoices
We purchase approved receivables at a calculated discount based on risk, providing schools with immediate cash flow.
Flexible Payment Plans
Families receive customized payment options while schools operate with predictable cash flow.
Typical Timeline
Our Technology
Our platform combines cutting-edge technology with robust security to deliver accurate, reliable, and safe financial solutions for your school.
Advanced Risk Analysis
- •AI-powered credit scoring
- •Real-time risk assessment
- •Comprehensive behavioral analysis
- •Continuous model optimization
Secure Infrastructure
- •Bank-grade data security
- •Reliable cloud hosting
- •24/7 system availability
- •Real-time transaction processing
Actionable Insights
- •Clear financial reporting
- •Data-driven decision support
- •Predictive cash flow analytics
- •Transparent risk factors
Data Protection
- •End-to-end encryption
- •Strict privacy compliance
- •Secure data handling
- •Regular security audits
Built for Trust and Reliability
We understand that school financial data is sensitive. That's why we prioritize security and accuracy in everything we do.
Our models are validated against real-world payment data to ensure reliable predictions.
We look beyond just credit scores, analyzing over 40 different factors to understand true payment capacity.
Methodologies adapted from leading academic research in educational finance.
Meet the Founders
Two decades of friendship, from competitive swimmers to co-founders, building the future of education finance.
Juan Mendoza
Co-Founder & Co-CEO
Quant-driven finance leader with expertise in macro strategy and credit markets. MSCI Mexico City Office Head for Quant Research (New Product Development), with previous leadership roles across Citi, Banorte, and BBVA. Brings institutional-grade portfolio and risk insights to Eskalar's school receivables underwriting. CFA charterholder; MSc Financial Mathematics (UChicago); BA Economics (ITAM).
Expertise
Highlights
- •MSCI Office Head, Quant Research (NPD)
- •Fixed Income PM (BBVA)
- •CFA Charterholder
- •MSc Financial Mathematics (UChicago)
Luis Lozano
Co-Founder & Co-CEO
Applied AI/ML leader specializing in credit and time‑series modeling for financial decisions. Former Financial Engineering Team Lead at MSCI, where he built and deployed internal AI assistants and risk analytics; currently Lead AI Scientist at Valiot. Former university professor (Tec de Monterrey). PhD in Physics; MBA. Leads Eskalar's student‑level credit models and data infrastructure.
Expertise
Highlights
- •Lead AI Scientist (Valiot)
- •MSCI Financial Engineering Team Lead
- •Professor (Tec de Monterrey)
- •PhD Physics; MBA
Our Story
Luis and Juan have known each other for over 20 years, first meeting as competitive swimmers, training and racing together in their youth.
After their separate paths in academia and industry, they reconnected professionally at MSCI in 2022, where they worked closely on high-impact projects and realized their complementary skills.
After proving their teamwork both in and out of the pool, they knew they wanted to build something together. Combining Luis's technical expertise in risk and AI with Juan's strategic vision and operational insight, they launched Eskalar to solve a problem they both understood deeply.
Based in Mexico City, Mexico 🇲🇽 • Operating Globally 🌍
Ready to Unlock Your School's Cash Flow?
Transform your school's financial operations with Eskalar
Have questions? We're here to help.