InnovaBlack Fintech · for Mexican lenders
Your loan book is growing faster than your operation. We run the operation with agents that answer for their work.
Leads that never reach the CRM, files built by hand, a portfolio that doesn’t tie out, collections that leave no record. We design, implement and run agentic systems for every stage of the credit cycle, on the systems you already have.
Free diagnostic · no commitment
A boutique technology firm for financial institutions: SOFOMs, SOFIPOs, leasing and factoring companies.
One service for each stage of the credit cycle.
Each page says plainly what already runs in production and what the system does without a published case yet.
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Originate
Leads and applications come in clean.
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Decide
Every application is assessed and explained.
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Close
Contracts and e-signature, handled.
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Service
The portfolio ties out with your system.
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Collect
Collections that leave evidence.
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Comply and report
Reports for your funder and your regulator.
Decide
Service
- Portfolio management and reconciliation A portfolio that ties out to your system of record every night, or doesn’t publish. In production
- Portfolio migration Every loan tied out to the cent before loading, even from schedules that come as images. In production
- Automated CFDI invoicing Interest, fees and lease payments invoiced and reconciled, with validation and documented cancellations. No published case yet
- Borrower support Balances, dates and references at any hour; complaints routed to your UNE with full history. No published case yet
Comply and report
- AML and KYC Customer files, risk matrix, list screening and documented alerts. Your compliance officer decides. No published case yet
- Funder reporting Each funder’s package built from a reconciled portfolio, with covenants watched daily. No published case yet
- Executive dashboard The whole operation, current, on one screen, with per-user access and an audit log. In production
Every agent has a person who answers for it.
- Customer Hi, I fell behind on my payment and I want to catch up.
- Agent Of course. Let me check your account.
- Your credit system Balance, due date and terms, read directly from the source.
- Agent I can offer a payment plan in installments. A member of the team will confirm it.
- A person approves The collections lead reviews the plan and signs off.
- Logged, with its source and date.
- The agent
- Does the repetitive work inside your process: responds, checks, reconciles, prepares. It always introduces itself as an agent.
- The accountable person
- Someone on your team, by name. Approves anything high-stakes: credit, discounts, cancellations, regulatory filings.
- Auditable evidence
- Every decision and every action is logged, with its source and its date. Evidence ready for your auditor, your funder or your regulator.
- The stop button
- Your team pauses an agent, or a single channel, without asking anyone. The stop is tested before going live.
- Four weeks of full review
- During ramp-up the agent checks with a person on every decision and action. After that, the high-stakes calls always go through a person; simple ones it resolves with what it learned, and each one is logged.
Nothing gets replaced. Nothing gets migrated unless you decide to.
We connect to your core, your CRM, your banks, your invoicing providers, your e-signature and your bureau access through APIs or MCP, off-the-shelf or in-house. Agents work on top of those systems with scoped permissions; where a system only allows reading, they only read.
A person answers for each agent
Agent layer
- OriginationIntake and files
- CollectionsContact and agreements
- Customer serviceQuestions and follow-up
- ComplianceChecks and reports
Your systems, as they areNothing replaced, nothing migrated.
Untouched- Your lending core
- Your CRM
- Your banks
- Your invoicing providers
- Your e-signature
- Your bureau access
- Your document storage
What already runs at Mexican lenders.
Described without names: our clients operate under NDAs. Everything here was verified against the client’s own system, not against our dashboards.
- A credit engine in production —69 memos in six weeks, measured in live operations; client confidential— that assesses every application with bureau, tax compliance and tax records, and writes an explainable memo. Leadership can overrule it, with a note and signature on file.
- Leads captured by forms reconciled against the CRM every hour: at one lender, 7 out of 10 weren’t arriving, and 357 were recovered. Measured in live operations; client confidential.
- Portfolio dashboards fed from the client’s loan system that fail the nightly run if they don’t tie out: zero differences across more than 400 contracts. Measured in live operations; client confidential.
- Amortization schedules received as images read and tied out to the cent to migrate a portfolio.
- Messaging assistants that escalate to a person on a legal threat or a discount request.
- Our own sales handled by Luz, a synthetic agent in production, with a person at InnovaBlack accountable for her.
Straight answers before you decide.
- Can an AI agent run collections within CONDUSEF rules?
- How much of origination and underwriting can an agent handle?
- KYC and AML with agents: what it can and cannot do
- Customer service with agents and the UNE
- How do you govern an agent in a supervised institution?
- Can agents plug into my lending core without a migration?
- What happens to my customers’ personal data?
- Synthetic agent, chatbot or call center?
- How is an agent implemented, step by step?
- What are the risks, and how are they controlled?
- Where should a lender start?
- Glossary
Start with a diagnostic. It’s free.
We review one process with you —origination, portfolio, collections or compliance— and tell you where an agent changes something and where it doesn’t. Pricing only comes in a formal proposal.
Talk to Luz. Right now.
Luz runs InnovaBlack's sales conversations — not a recorded demo, the same one that answers our clients. Write to her the way you'd write to anyone.
Prefer WhatsApp? +52 33 3246 1111
Luz
Head of Sales · InnovaBlack
Tell me what your operation needs and I’ll point you to where to start.
If we’re not the right fit, she’ll tell you.