What we learn from reading loan books.
Non-bank lending, portfolio measurement and the capital behind it. Every figure carries its source, and anything modelled says so.
Questions funds ask about a Mexican lender
Each article answers one question. Here is the answer in a line, and the article that argues it.
What does a fund ask a lender on the first call?
Your loan tape, one row per loan at a stated cut-off date, before yield or strategy. Then six gates in a fixed order.
What documents does a private credit fund request from a non-bank lender?
28 items in eight lettered blocks, and 8 of them ask only that you reconcile your own documents against each other.
How does an investor monitor a loan book it does not own between audits?
Through four signed documents on a contractual cadence, recomputed rather than read, with consequences tied to the arithmetic.
What is a static pool?
The loans originated in one period, tracked for life against their own original principal. The SEC and Mexican agencies ask for five years.
What is a loan tape?
One row per loan at a stated cut-off date, carrying 8 to 282 fields by schema, and uncheckable without its data dictionary.
How do you measure collections from a loan tape?
Divide all the cash a cohort has paid back by the principal it was lent, month by month since origination. At 1.0 times it has returned what it received.
What does a fund actually price in a lender's book?
Not the audited year but the gap between two audit dates, where the failures this market remembers were found after the fact.
How does a Mexican SOFOM get institutional funding?
45.0% from commercial banks and 25.0% from development banks (Banxico, December 2025), then multilaterals, CEBURES and foreign private credit.
What does cartera vencida mean for a Mexican lender?
For banks and regulated lenders, a loan due in one payment enters it 30 days late, an instalment loan at 90, revolving credit at 60. Called etapa 3 since 2022; an unregulated lender sets its own rule.
What is a fideicomiso in Mexican lender financing?
A trust that holds the lender's loans and pays the fund first. Four deals with published aforo required 1.27x to 1.30x, an advance near 77% to 79%.
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