# Documents in lending

**Live**  
Built for the borrowers SOFOMs and fintechs underwrite. [See all markets](/content/markets/index.html)

## 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.

## Backed by Y Combinator. Live with enterprise lenders today.

[Book a demo](/content/request-demo/index.html) [See all markets](/content/markets/index.html)