Digital onboarding (records, validations, consent)
Origination and scoring (rules engine, matrices, policies)
Signing and onboarding (remote flows, depending on the model)
Portfolio management (payments, collections, reconciliation)
AML/CFT compliance (alerts, operational evidence and traceability)
WHAT DOES A
DIGITAL SOFOM?
Digital onboarding (records, validations, consent)
AML/CFT compliance (alerts, operational evidence and traceability)
Origination and scoring (rules engine, matrices, policies)
Signing and onboarding (remote flows, depending on the model)
Portfolio management (payments, collections, reporting, reconciliation)
IMPLEMENTATION MODEL
IMPLEMENTATION MODEL
YOUR DIGITAL SOFOM
Turn your SOFOM into a digital origination and operating model, ready to scale
Today the edge isn't just “having” a SOFOM: it's operating with technology, reducing friction, accelerating disbursement and professionalizing risk and portfolio management
YOUR DIGITAL SOFOM
Turn your SOFOM into a digital origination and operating model, ready to scale.
Today the edge isn't just “having” a SOFOM:
it's operating with technology, reducing friction, accelerating disbursement and professionalizing risk and portfolio management.
PHASE 1
Base platform +
digital operation
Web/App, back office, portfolio, processes, operations and reporting.
PHASE 2
Remote onboarding +
control strengthening
Enablement of remote signing/onboarding, and strengthening of controls and evidence, in line with the model's requirements.
Entity + operations + technology + compliance
AT GRUPO IBC
WE DELIVER
THE END-TO-END MODEL
Entity + operations + technology + compliance.
It's not an isolated system; it's a complete structure so your SOFOM is born ready to operate and grow.
It's a complete structure so your SOFOM is born ready to operate and grow
If you're looking to activate your own financial arm, operate with order and scale through a solid structure, now is the time
Strategic profiling of the SOFOM
Launch and operational strengthening*
Updates before institutions
Share transfer
Strategic profiling of the SOFOM
WHAT IS A SOFOM?
Engines of investment and economic development for businesses and SMEs.
A SOFOM (Sociedad Financiera de Objeto Múltiple) 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:
Extend credit to individuals and legal entities (including SMEs)
Engines of investment and economic development for businesses and SMEs.
Structure guarantee trusts (depending on the model)
WHAT IS A SOFOM?
Operate leasing and factoring
A SOFOM (Sociedad Financiera de Objeto Múltiple) 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 DOES NOT TAKE DEPOSITS
FROM THE GENERAL PUBLIC
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).
SOFOM ENR (Unregulated):
It operates with its own capital and can structure funding with commercial and/or development banks, according to its model.
A SOFOM DOES NOT COLLECT RESOURCES FROM
GENERAL PUBLIC
These entities are subject to obligations before CONDUSEF (registration, transparency) and to AML/CFT supervision under applicable provisions.
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.
SOFOMES have become a significant source of financing for the productive sector. As of July 2025, CONDUSEF reported that SIPRES listed 3,025 SOFOMES.
On access to credit, various industry references note that a significant share of SMEs obtain their first formal loan through a SOFOM (frequently cited at around 65%).
HOW MANY ARE THERE
AND WHAT IS ITS ROLE IN MEXICO?
BENEFITS OF A SOFOM
Financial arm of the group
Increase profitability by financing clients, suppliers or distributors.
Boost to your captive market
Timely credit aligned with your business cycle.
Capitalization (SAPI + SOFOM)
A structure to bring in investors and scale.
Structure with potential
to bring in investors
and scale
Operational efficiency
Financial consolidation and management with processes and governance.
Professional model
Policies, manuals, origination and portfolio management.
Access to funding
Possibility of structuring lines of credit with commercial and development banks.
Access to funding
Tax and legal planning
A recognized vehicle for financial intermediation.