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How to create a SOFOM ready to operate in 2026

  • Writer: Grupo IBC
    Grupo IBC
  • Sep 10
  • 2 min read

2026 is just around the corner, and if you're thinking about building your own financial arm, this is the perfect time to start. Creating a SOFOM (Multiple Purpose Financial Company) is a powerful strategy for entrepreneurs, corporate groups, and visionaries looking for a new line of business and new sources of income for their company. But what do you need to have it up and running by 2026?


In this blog, we'll explain the process, timing, and benefits of creating a SOFOM so you can have it operational by 2026.


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Why start now?


Establishing and launching a SOFOM isn't something that happens overnight. While the process can be streamlined with a specialized firm, there are several key steps that require time, strategy, and regulatory compliance. If your goal is to have your SOFOM up and running by 2026, now is the time to start.


Steps to create an operational SOFOM in 2026:


1. Legal and corporate structure

The foundation of any SOFOM begins with its legal constitution: articles of incorporation, bylaws, financial purpose, and capital structure. It is recommended to opt for a SAPI de CV with a clear financial purpose defined in the bylaws.


2. Registration with Condusef and SHCP

Once established, it must be registered as a SOFOM with the National Commission for the Protection and Defense of Users of Financial Services (CONDUSEF) and its operations must be notified to the Ministry of Finance and Public Credit (SHCP).


3. Regulatory and AML compliance

The SOFOM must comply with anti-money laundering (AML) obligations, including the registration of compliance officers, manuals, reports, and internal controls.


4. Operational infrastructure

A key aspect to being 100% operational in 2026 is to have:

  • Functional technological platform.

  • Validated contracts, formats and processes.

  • Operating and credit manuals.

  • Trained personnel.


5. Business model and funding

From the outset, you'll need to determine whether your SOFOM will focus on consumer finance, leasing, factoring, or business lending. This will influence your funding and customer acquisition needs.


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Advantages of having your SOFOM ready by 2026


  • Start the year with active operations and a trading strategy ready.

  • Take advantage of new funding and investment opportunities starting in January.

  • Position yourself as a reliable and professional financial alternative from the first quarter.

  • Diversify your income with your own financial model.



At IBC Group we make it happen


We are the leading firm in Mexico in the design, structuring, and sale of ready-to-operate SOFOMES. We support you every step of the way , from incorporation to infrastructure implementation and training of your team—all in record time.


We have proven models, strategic alliances, and real-world experience in development, compliance, and operations.


If you want to kick off 2026 with your SOFOM up and running, schedule a consultation with our team today .


 
 
 

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