A strategic opportunity

The great financial challenge of SOFOMs

The Mexican financial system is going through a period of changes and adjustments that are shaping the direction of institutions. The lack of liquidity and the poor practices of some entities have put Multiple Purpose Financial Institutions (SOFOMES) under scrutiny. However, within this same context, SOFOMES represent one of the smartest opportunities for entrepreneurs and investment groups seeking independence, control, and growth.

Challenges that create opportunities

In recent years, fraud cases in institutions such as Peak, Alivio Capital, Crédito Real, among others, have damaged the sector’s reputation. As Javier Garza Hoeffer, president of the Association of Sofomes (Asofom), pointed out, it is essential for financial institutions to act with caution, responsibility, and professionalism when managing their investors’ capital.

This does not mean that SOFOMES are a risk in themselves. On the contrary, the current challenges have made one conclusion clear: those who structure and manage a SOFOM professionally place themselves in a privileged position within the financial system.

Why do SOFOMES remain key?

Although they are not banks and do not have large treasuries, SOFOMES are versatile instruments that enable lending in segments that traditional banks do not always serve. As of June 2025, according to the CNBV, the sector holds more than 611 billion pesos in loan portfolios, directed mainly to the business segment (50%) and consumer segment (48.6%).

This reflects two important realities:

• The market is vast and growing. The demand for financing, both from companies and individuals, continues to be a constant driver of the Mexican economy.

  
  

• Demand exceeds traditional supply. SOFOMES are able to position themselves in sectors where banks do not easily enter, such as SME financing, leasing, factoring, or consumer loans with greater flexibility.

  
  

Business loans represent the majority of the portfolio in Mexico

Professionalization: the key to success

Asofom is working hand in hand with authorities such as the CNBV and Condusef to promote better practices in institutions: from corporate governance and risk management to anti-money laundering measures and cybersecurity.

They have even developed the “High-Quality Sofom (SAC)” certification, a designation that distinguishes institutions that meet high standards of institutionalization. This type of accreditation not only generates trust in the market but also raises the prestige of those who operate under these standards.

In this sense, a well-managed SOFOM is much more than a financial entity: it is a solid business vehicle, regulated and with a strategic vision.

Advantages of having your own SOFOM

For entrepreneurs and groups seeking to diversify their sources of income, a SOFOM represents:

• Financial independence: Build your own lending platform without relying on third parties.

• Business diversification: Ability to serve consumer, leasing, factoring, or business financing.

• Regulatory flexibility: SOFOMES face fewer burdens than multiple banking institutions, allowing greater agility.

• Asset strengthening: A model tailored to the needs of the business group.

• Access to underserved markets: Enable financing for populations typically avoided by banks, opening opportunities in new markets.

In other words, a SOFOM is not just a financial instrument, but a lever for business growth in a market that demands more credit than traditional banks can provide.

Conclusion: the time is now

The current landscape confirms one reality: the Mexican financial system cannot do without SOFOMES. With more than 1,700 operating in the country and a portfolio exceeding 611 billion pesos, their role is essential.

The key lies in how they are structured and managed. While some cases have harmed the sector’s reputation, those who choose to do it strategically and with a business vision find in a SOFOM a solid vehicle to strengthen their assets and financial independence.

At Grupo IBC, we design, structure, and sell SOFOMES ready to operate under a regulated, institutional model tailored to your objectives.

Take the step toward your financial independence and schedule a consultation with us today.