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 Article 95 Bis or Article 115 LIC compliance embedded from origin.
The Mexican SOFOM sector operates with a total portfolio of MXN 547.8 billion and an average IMOR of 5.1%. 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.
Your portfolio no longer fits in your current core.
Migrating frightens you because the cost is not the license — it is the risk of losing historical data and breaking regulator reporting.
The credit committee meets with fragmented information.
Five sources for one decision, paperwork that does not reconcile, decisions made under time pressure.
IMOR is climbing and no one sees the root cause.
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.
The CNBV technical review keeps you up at night.
Your AML program lives in manuals nobody updates, ROR/ROI reports are produced manually, and every inspection is a weekend of the compliance officer.
The ENR-to-ER transition scares you more than it should.
You know that if a bank enters the ownership, you would automatically become ER under Article 115 of the Banking Law — and your current infrastructure cannot withstand full supervision.
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.
Funnel by product type (SME, factoring, microcredit, leasing) with channel traceability.
Watchlist screening, transactional profile, digital file aligned with Article 95 Bis or Article 115 LIC according to your figure.
Automated scoring for low-ticket or assisted underwriting for SME and leasing.
Packet built with file data, generated proposal, documented decision.
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.
Automated generation by product type with advanced electronic signature.
Automated constitution and registration of movable collateral when applicable.
SPEI integrated with NIF accounting and CNBV criteria in a single flow.
Portfolio staging under IFRS 9 with methodology specific to your portfolio type. Article 95 Bis (ENR) or Article 115 LIC (ER) reports automated. Segmented collections with delinquency scoring. Continuous AML monitoring with automatic generation of ROR/ROI/ROIP.
By stage, with methodology adapted to your credit product.
Article 95 Bis (ENR) or Article 115 LIC (ER) automated from the live portfolio.
Delinquency scoring by origination cohort with documented escalation.
Transactional surveillance + automatic ROR/ROI/ROIP to UIF.
DTX Audit gives you the map, DTX Launch builds it, DTX Compliance removes the pain of the CNBV technical review.
SOFOM ER · SME lending
"We went from assembling committee packets in Excel and emailing them around to having the complete file, integrated, accessible from anywhere — and committee times shrunk dramatically." — Operations director
Results: 97% reduction in UIF report generation time · 40+ person-hours/month recovered in compliance · Zero observations in the post-implementation CNBV visit · Credit committee from 5 days to 4 hours.
Leer caso completoIf you have a 20%+ ownership link with a bank, SOCAP or SOFIPO, you are ER by operation of law and Article 115 LIC applies with full supervision. If not, you are ENR and only Article 95 Bis of the LGOAAC applies. We tailor the implementation to your regime — and if you are near the threshold, we design architecture that can withstand the ER upgrade.
A typical DTX Launch for a SOFOM takes between 4 and 8 months, depending on the state of your current information and credit product complexity. We start with a DTX Audit (45 min, free) to give you the 90-day plan with concrete timelines.
Most mid-size SOFOMs do not. That is why we offer DTX Retainer — we operate as your external IT department, dedicated, specialized in lending and compliance. We remove the pain without forcing you to add headcount.
DTX Audit is always complimentary. DTX 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.
45 minutes with a senior consultant. Executive report with maturity scoring of your SOFOM, sector benchmark and 90-day plan. No cost, no commitment.
