Documents in lending
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Built for the borrowers SOFOMs and fintechs underwrite. See all markets
Built for the borrowers SOFOMs and fintechs underwrite.
Live with fintechs, SOFOMs, and SMB lenders across Mexico, Brazil, and Colombia. CURP, RFC, OXXO receipts, Nubank and Mercado Pago statements — the documents that make this region different.
Live in Mexico
- Underbanked LatAm businesses 200M+
- LatAm lending market $120B
Both banks and fintechs hit the same wall.
Banks choke on manual document review. Fintechs lack the intelligence to underwrite past credit scores. Both sides leave good borrowers in the queue.
Tax rails are document-heavy
CFDI 4.0, constancia de situación fiscal, RFC. Every commercial credit assessment starts with a stack of SAT documents.
IMSS and tenure verification
Income proof depends on IMSS contributions, payslips, and bank statements. Each lender stitches them together by hand.
Bureaus only see formal jobs
Buró de Crédito and Círculo de Crédito miss self-employed, gig, and informal-economy borrowers. Documents fill the gap.
Multi-country expansion is hard
Each country brings its own ID, tax, and banking format. Templates built for Mexico break in Colombia and Peru.
Three lender archetypes, calibrated to Latin America.
Commercial lenders and SME factoring
Constitutiva, CFDI 4.0, estados de cuenta, IMSS records. Cash-flow modeling against SAT-reported revenue.
Consumer fintechs and BNPL
INE verification, OXXO and SPEI records, Mercado Pago histories. Sub-second extraction APIs at high volume.
Banks and SOFOMs
Calibrated to your credit policy. CNBV-aware controls. Engagement letters for ISO 27001 and SOC 2 Type II available on request.
Documents we read fluently — and the long tail we can extend.
No templates required. Our models reason through any document format visually — even handwritten, poorly scanned, or rotated.
Mexican documents
CURP, RFC, constancia de situacion fiscal, IMSS, CFDI, INE
Colombian documents
RUT, cedula de ciudadania, EPS, pension, Camara de Comercio
Peruvian documents
SUNAT/RUC, DNI, AFP statements, SUNARP property records
Bank statements
BBVA, Banorte, Santander (MX); Bancolombia, Davivienda (CO); BCP, Interbank (PE)
Invoices & receipts
CFDI 4.0, boletas, facturas, notas de credito
Credit profiles
Buro de Credito, Circulo de Credito (MX), DataCredito (CO), Sentinel & Equifax (PE)
Payment records
SPEI & CoDi (MX), PSE & Nequi (CO), Yape & Plin (PE), Mercado Pago
Any document
Bring an unlisted format. Capture handles it on day one.
Built for regulated lenders
Calibrated to your security review.
Compliant with Mexican data storage requirements. Borrower data stays in-region. Engagement letters for ISO 27001 and SOC 2 Type II available on request via support@usekita.com.