BUILD
YOUR SOFOM ENR
Professional model - Customized structure
Record time delivery
Get your own financial arm with a SOFOM designed for your market,
your product and your growth strategy
Engines of investment and economic development for businesses and SMEs.
WHAT IS A SOFOM?
Engines of investment and economic development for businesses and SMEs
A SOFOM (Multiple Purpose Financial Company) is a non-bank financial entity specialized in lending. It is one of the most versatile vehicles in the Mexican financial system to build your financial arm and finance your target market.
A SOFOM can:
A SOFOM (Sociedad Financiera de Objeto Múltiple) is a non-bank financial institution specializing in lending. It is one of the most versatile vehicles in the Mexican financial system for building your financial arm and financing your target market.
Extend credit to individuals
and legal entities (including SMEs)
Operate leasing and factoring
Structure guarantee trusts (depending on the model)
These entities are subject to obligations before CONDUSEF (registration, transparency) and to AML/CFT supervision under applicable provisions
There are two main types:
SOFOM ER (Regulated):
Affiliated with a financial group/bank (through ownership or operational ties).
Affiliated with a financial group/bank (through ownership or operational ties).
SOFOM ENR (Unregulated):
It operates with its own capital and can structure funding with commercial and/or development banks, according to its model.
It operates with its own capital and can structure funding with commercial and/or development banks, according to its model.
These entities are subject to obligations before CONDUSEF (registration, transparency) and to AML/CFT supervision under applicable provisions.
There are two main types:
BUILD YOUR SOFOM
AND BUILD YOUR FINANCIAL ARM
Built from scratch | Turnkey model
Form a SOFOM ENR with a professional model, aligned with regulation and ready to operate from the start.
At Grupo IBC we support you through the whole process: from incorporation and filings to product design, manuals, systems and operational launch.
WHY BUILD YOUR SOFOM WITH GRUPO IBC?
Building your SOFOM from scratch lets you create a tailored entity, with the DNA of your business and ready to scale.
With it you get:
Custom design based on your market and strategy
A model ready to grow in products, funding and expansion
Full institutional structure to operate with order
Expert guidance from start to finish
FINANCIAL CAPABILITIES OF A SOFOM
A SOFOM is one of the most versatile vehicles in the financial system for structuring your operation:
Lending to individuals and legal entities
Financial leasing
Financial factoring
Guarantee trusts (depending on structure)
Specialized models based on your strategy
With your own SOFOM, you can offer your clients a wide range of financial services:
Lending to individuals and legal entities
Financial factoring
Guarantee trusts (depending on structure)
Specialized models
based on your strategy
Financial leasing
BENEFITS OF A SOFOM
Higher profitability
Turn your business into a financial arm with
profitable products
Financing for your captive market
Drive sales with credit for clients, suppliers or distributors
Capitalization and growth
Structure with potential
to integrate
investors and scale
Structure with potential
to bring in investors
and scale
Financial efficiency
Centralize your operation and optimize operating costs
Professional operation
Manuals, products, portfolio systems and compliance included.
Access to
funding
Ability to structure lines with commercial and development banks
Access to funding
Solid legal framework
Recognized as an authorized financial intermediary
Access to funding
external
DEVELOPMENT PHASES OF A SOFOM
Turnkey model
Legal construction and
institutional management
Articles of incorporation, bylaws, tax registration and required authorizations.
Internal control and filings before authorities
SIPRES, beneficiary, controlling party, vulnerable activities, AML/CFT.
Systems, licenses and training
Implementation of portfolio, AML, onboarding and operations systems.
Start of operations
and accompaniment
Consulting on start-up, process review and initial operation.
AML/CFT authorization opinions
Initial compliance, audit and processes
regulatory.
Corporate governance
Institutional management
Credit product design
Strategic and operational manuals
Corporate image
Portfolio management system
AML/CFT opinions and preparation
Guidance and training
Institutional Web Development
SCOPE OF A SOFOM
(DELIVERABLES)
We build your SOFOM with a professional model, aligned with regulation and ready to operate, integrating:
Corporate governance
Institutional management
Credit product design
Strategic and operational manuals
Corporate image
It's not just forming a SOFOM. It's building the financial foundation of your business.
Portfolio management system
AML/CFT opinions and preparation
Opening of bank accounts
Institutional web development
Guidance and training
Technical opinions
Initial operations
AML/CFT
Regulatory requirements
Portfolio system
Mandatory manuals
Technical opinions
Initial operations
AML/CFT
