For SOFOMs that no longer fit their current core.
SOFOMs ENR in microcredit, factoring and SME lending · SOFOMs ER with bank ownership and full CNBV oversight. We design with you the technology architecture your figure requires — with LGOAAC or Banking Law (LIC) AML compliance embedded from origin.
The sector has many active SOFOMs ENR. The ones that automate first are better prepared for what comes next.
The Mexican SOFOM sector is large and competitive, and portfolio quality is under constant watch. The ones growing are those that stopped operating in Excel long ago. The ones stalling — or closing — are those still assembling files by hand, calculating provisions in spreadsheets that break, and discovering portfolio problems two weeks late.
The pain points we see in every SOFOM that arrives at an initial diagnostic.
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Your portfolio no longer fits in your current core.
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Migrating frightens you because the cost is not the license — it is the risk of losing historical data and breaking regulator reporting.
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The credit committee meets with fragmented information.
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Five sources for one decision, paperwork that does not reconcile, decisions made under time pressure.
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IMOR is climbing and no one sees the root cause.
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Your non-performing portfolio report arrives late, without origination-cohort segmentation, without delinquency scoring. By the time you finally understand the problem, it has already grown for two months.
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The CNBV technical review keeps you up at night.
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Your AML program lives in manuals nobody updates, ROR/ROI reports are produced manually, and every inspection is a weekend of the compliance officer.
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The ENR-to-ER transition scares you more than it should.
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You know that if a bank enters the ownership, you would automatically become ER under the Banking Law (LIC) — and your current infrastructure cannot withstand full supervision.
The three-level method, adapted to SOFOM.
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Origination
Capture, evaluation and committee.
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Operation
Contract, disbursement and registration.
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Administration
Portfolio, reporting and monitoring.
See each level in detail
Capture, evaluation and committee
Digital lead capture for SME, factoring, microcredit or leasing. Underwriting engine that differentiates low-ticket (automated scoring) from high-ticket (assisted underwriting). Committee with auto-assembled packet and generated proposal letter.
Digital capture
Funnel by product type (SME, factoring, microcredit, leasing) with channel traceability.
SOFOM KYC
Watchlist screening, transactional profile, digital file aligned with the LGOAAC or the Banking Law (LIC) according to your figure.
Calibrated underwriting
Automated scoring for low-ticket or assisted underwriting for SME and leasing.
Credit committee
Packet built with file data, generated proposal, documented decision.
Contract, disbursement and registration
Electronic contracts by credit product type. Constitution and registration of movable collateral in RUG when applicable. SPEI disbursement integrated with accounting under NIF standards and CNBV criteria.
Electronic contracts
Automated generation by product type with advanced electronic signature.
Collateral and RUG
Automated constitution and registration of movable collateral when applicable.
Disbursement and booking
SPEI integrated with NIF accounting and CNBV criteria in a single flow.
Portfolio, reporting and monitoring
Portfolio staging under expected-loss accounting standards with methodology specific to your portfolio type. AML reports for ENR (LGOAAC) or ER (LIC) automated. Segmented collections with delinquency scoring. Continuous AML monitoring with automatic generation of ROR/ROI/ROIP.
Expected-loss staging
By stage, with methodology adapted to your credit product.
CNBV reporting
ENR (LGOAAC) or ER (LIC) reports automated from the live portfolio.
Segmented collections
Delinquency scoring by origination cohort with documented escalation.
Continuous AML
Transactional surveillance + automatic ROR/ROI/ROIP to UIF.
Three featured services for SOFOM.
Initial diagnostic gives you the map, Launch builds it, AML compliance removes the pain of the CNBV technical review.
What SOFOM executives ask us most.
Am I a SOFOM ER or ENR? How does it affect what you do?
If you have a qualifying ownership link with a bank, SOCAP or SOFIPO, you are ER by operation of law and the AML regime of the Banking Law (LIC) applies with full supervision. If not, you are ENR and the AML provisions of the LGOAAC apply. We tailor the implementation to your regime — and if you are near the threshold, we design architecture that can withstand the ER upgrade.
How long does the full stack implementation take?
The length of a Launch for a SOFOM depends on the state of your current information and credit product complexity. We start with a complimentary initial diagnostic to give you the near-term plan with concrete timelines.
What if I do not have an IT team?
Most mid-size SOFOMs do not. That is why we offer a dedicated team — we operate as your external IT department, dedicated, specialized in lending and compliance. We remove the pain without forcing you to add headcount.
How is the project billed?
Initial diagnostic is always complimentary. Launch and the other services are quoted per project, not per hour. Scope, deliverables and price are signed before we start — not surprises at the end.
Your SOFOM deserves architecture, not patches.
A working session with a senior consultant. Executive report with maturity scoring of your SOFOM, sector benchmark and near-term plan. No cost, no commitment.