Judgment, well founded.
The questions you ask yourself before borrowing, lending or financing your business — answered directly, with their legal grounding in plain sight.
What can I put up as collateral for a loan? Mortgage, pledge and guarantor
Your house, your car, your machinery, your invoices or a guarantor: everything you can use to back a loan in Mexico, how each form of collateral works and what makes it valid.
Lending & investingAre loans between private individuals taxed?
What taxes a loan between individuals triggers: who reports the interest, when there is a 20% withholding and what the person who receives the money must report to the SAT.
Raising capitalGuaranteed returns? How to spot an illegal deposit-taking scheme
Taking money from the public and promising to pay it back with a return is a crime punishable by 7 to 15 years in prison. How to recognize illegal deposit-taking before you hand over your money.
BorrowingHow do you know what a loan really costs? The CAT, explained
The rate they advertise isn't what you'll actually pay. What the CAT (Costo Anual Total, Mexico's all-in APR) includes, what it leaves out, and how to compare two loans to pick the one that's genuinely cheaper.
Lending & investingWhat is the maximum legal interest rate on a loan in Mexico?
There is no numeric cap, but judges reduce abusive rates on their own initiative. What the Supreme Court says about usury and how to tell whether a rate is defensible.
Raising capitalHow to finance your company: a loan or selling equity?
Before giving up part of your business, compare: what a partner really costs versus a loan, when each one makes sense and how to combine them without losing control.
BorrowingHow is the monthly payment on a loan calculated?
Fixed payments, increasing payments or interest-only with principal at the end: how each scheme works, how much total interest each one pays and which suits your cash flow.
Lending & investingIs it legal to lend money at interest in Mexico?
Yes — and without government authorization. But if you lend habitually you have anti-money-laundering obligations: registration with the SAT, identifying your clients and reports starting at $188,000 MXN.
Raising capitalWhat is a SAPI and why is it used to raise capital?
The S.A.P.I. allows share classes, enforceable shareholder agreements and minority protections starting at 10%. What makes it the standard vehicle for private capital in Mexico.
BorrowingWhat is an interest-bearing loan agreement and what should it include?
The contract behind every serious loan: what the law says about interest, which clauses can't be left out and how to sign it so it protects both parties.
Lending & investingHow to document a loan so it holds up before the SAT and a judge?
A contract stashed in a drawer may not hold up against third parties. What fecha cierta (a certain date) is, the three ways to obtain it according to the Court and what it costs to safeguard your loan.
Raising capitalDo you need to be a SOFOM to lend money in Mexico?
No: the law allows lending without authorization. What a SOFOM E.N.R. is, what tax and funding advantages the registration brings, and when the extra structure is worth it.
BorrowingWhat is a promissory note and what happens when you sign one?
The requirements that make a promissory note valid, the interest it can include, when it becomes time-barred and the mistakes — like signing it blank — that you should never make.
Lending & investingWhere to invest: CETES, SOFIPOs or lending against collateral?
The return, risk, liquidity and protection of each option: what SOFIPO insurance covers, what gets withheld on CETES and what it takes to lend privately without surprises.
Raising capitalDoes the interest on a loan carry IVA?
As a general rule, yes — and that's why your card costs more than it advertises. Which loans are exempt (mortgage, business) and which pay 16% on interest.
BorrowingWhat documents do you sign when taking out a secured loan?
Contract, promissory note, collateral, amortization schedule and disbursement: the complete file behind a loan done right, and the warning signs so you don't sign with just anyone.
Lending & investingDo I have to report a loan I received to the SAT?
If your loans, gifts and prizes for the year add up to more than $600,000 MXN, you must report them in your annual return. It costs nothing to do it — and leaving it out can cost a fortune.
Raising capitalWhat anti-money-laundering obligations do you have if you lend money?
Enrollment in the SAT's registry, an identification file for each transaction and monthly reports: the lender's anti-money-laundering rules, with the 2026 thresholds in pesos.
BorrowingHow does the Credit Bureau work and how to improve your history?
How long a late payment stays on your record, how to request your report for free, what moves your score and how to get credit even with a battered history.
Lending & investingAbout to lend money? This is how you assess a borrower
Repayment capacity, collateral with a cushion, history and the purpose of the loan: the method for lending without ending up in court, and the warning signs that aren't up for negotiation.
Raising capitalHow to bring money from family or partners into your business, done right?
Equity, a documented loan or convertible debt: the three legal ways to fund your company with money from people close to you without tax problems or family disputes.
BorrowingWhat happens if you don't pay a loan or a promissory note in Mexico?
From the payment demand to the seizure: how a loan is collected through the courts, how long it takes, which assets are protected and why renegotiating early is always better.
Lending & investingWhat is default interest and how much can they charge you?
The difference between ordinary and default interest, what happens if nothing was agreed, when a judge reduces an abusive rate and how what you owe is calculated.
Raising capitalHow to tell if a lender is trustworthy before applying for credit?
Where the money they lend you comes from matters: what to ask, what to verify and why a firm that lends its own capital gives you more stable terms.