This service includes independent investigations in the target company’s operating qualifications, operating status, financial status, the background of management staff, market risk, and management risk, whether the target company and its internal staff, shareholders, and senior management are involved in adverse litigation, corruption, and bribery.

This service is used to help customers prevent legal and business risks in related transactions and ensure the healthy development of businesses between the customer and its partners.

With this architecture we execute innovative businesses, provide better and faster access to financial services at any time and place. We also enable the automation and optimization of the processes that run behind the final service towards the client, eliminating time gaps or error factors on manual or repetitive tasks originally executed by people and now replaced by technologies with extensive processing capabilities and safe execution and efficient, which substantially reduces recurring costs and reprocessing times.

We achieve through technology, impose more efficiency and agility in the financing processes.

With these services, customers can understand the target company’s credit risk, such as involvement in litigation, deterioration of operations, changes in senior management, and investments and fundraising. In this way, they can promptly take relevant measures to reduce bad debt risk, including reducing credit sales and credit loans, etc. This service contributes to enhanced efficiency of risk identification by the customer and dynamic monitoring of the target company’s credit risk.

The customer portfolio gains its value from the interest from issued loans but is susceptible to a credit default. For that reason, this service includes assessing the risk involved with each potential loan and analyzing the total amount of risk the portfolio incurs as a whole. This service can provide information to assess the current status of the portfolio, help guide the origination of credit assets, improve portfolio structure and reduce concentrations, help manage and monitor to risk limits, and supports capital management and financial returns.

Using this service we can enter the files of defaulters customers that are usually automated, these reflect the defaults of natural persons and companies. This service allows us to inform about the financial solvency, but above all about who pays and who stops paying their debts.

They are a common tool used when determining the risk of granting a loan. But companies also usually access them to check the status of the accounts of other companies or individuals with whom there is the possibility of doing business.

Marketplace lending is thriving, and it offers many benefits to borrowers and lenders alike. Our investment solutions allow us to focus on the details of your day-to-day operations, so you can concentrate on your investment management and asset growth. You benefit from our integrated expertise, technology, proactive service teams, and our ability to accommodate almost any process or requirement, no matter the size or complexity of your fund.

A credit scoring modeling is a risk management tool that assesses the creditworthiness of a loan applicant by estimating her probability of default based on historical data. It uses numerical tools to rank cases using data integrated into a single value that attempts to measure risk or creditworthiness.

This Credit score modeling is a technique widely used to decide whether to grant a loan to a new customer and decide how to manage the loans we have already granted.

KYC (Know your customer) report is a regular means to verify corporate identity, compliance checks, and needs, collection of data for specific customers, the small-loan credit assessment, and legality of income source. This aids effective decisions through verification of the target enterprise’s identity and business actions.

With the access to Blacklist reporting of GAFI, we can know the countries that are considered deficient in their anti-money laundering regulatory regimes. With this information, we can make financing decisions and search for new markets for customers and suppliers.

Regulated businesses must validate and verify business clients and beneficial owners’ identities to help mitigate risk, reduce fraud, and adhere to a diverse range of compliance requirements.

Using this service we can do the investigation of the target company to know the national and international credit history of both the company as well as the legal representatives and main shareholders, given the history obtained we can also know the existence of unpaid, fraud, or bankruptcy risks of the company.

This service is specialized in cross-border transactions and with an emphasis on eliminating trade risk. Can facilitate your company in protecting yourself against international trade’s unique inherent risks, such as currency fluctuations, political instability, issues of non-payment, or the creditworthiness of one of the parties involved.

It is important to note that trade finance focuses more on the trade than the underlying borrower, i.e. it is not balance sheet led. Therefore, small businesses with weaker balance sheets can use trade finance to trade significantly larger volumes of goods or services and work with stronger end customers.

The SBLC is used as a safety mechanism for the beneficiary, to hedge out risks associated with the trade. It is an irrevocable, independent, documentary, and binding obligation for all parties, issued by a financial institution at the request and on behalf of its client to guarantee to a third party (beneficiary) the fulfillment of an obligation. In the event of non-compliance, the beneficiary has the right to make the Stand-by letter of credit effective against the presentation of a letter of non-compliance that he issues, which may be accompanied, on occasions, by an expired and unpaid title of credit.

The SBLC secures payments for services or merchandise and includes the ability to pay in foreign currency, guarantees the undertaking of financial or performance obligations, enhances your commercial relations with international clients and suppliers.

A Bank Guarantee (BG) can be defined as that commitment that a financial institution contracts before a natural or legal person on behalf of its clients to ensure the fulfillment of an obligation of these with the beneficiary of said guarantee.

The issuance of these guarantees is mainly due to merchandise exports, provision of services abroad, fulfillment of contracts related to the sale of turnkey plants, international sales, supply, installation of large projects, public works, international tenders, etc. Is Implicit in the bank guarantee the irrevocable obligation of a bank or financial institution that issued it to pay a specified amount in the event of a third party breach of a contract.

An MTN is a corporate title continuously offered by a company to investors through a negotiator. Investors can choose from different expiration dates, ranging from nine months to 30 years. The titles vary in maturity between one year and 10 years, namely that it is medium-term, the investor will have an idea of what the maturity will be when they compare their price with other fixed-income securities. This type of instrument is used by companies to obtain constant cash flows from the issuance of debt according to their financial needs.

A confirmable Bank Draft (CBD) is a type of check where the payment is guaranteed to be available by issuing bank. Typically, banks will review the bank draft requester’s account to see if sufficient funds are available for the check to clear. Once it has been confirmed that sufficient funds are available, the bank effectively sets aside the funds from the person’s account to be given out when the bank draft is used.

With a letter of credit, also known as a documentary credit, the buyer’s financial institution guarantees payment to the seller if certain criteria are met. Documentary collections, similar to letters of credit, reduce the payment risks on international trade transactions, and with a bank guarantee, your obligations to third parties are insured.

A performance bond, also known as a contract bond that is written by a third-party guarantor, bank, or other financial institution that guarantees the fulfillment of a particular contract as agreed. Are important financial instruments to participants in building and construction projects.

Advantages of performance bonds for owners: owners do not need to incur additional costs, the owner of a project is assured of the completion of the project, this financial instrument allows owners to retain their working capital. PB´s Owner has advantages as they do not need to incur additional costs, the owner of a project is assured of the completion of the Project, and this financial instrument allows owners to retain their working capital

With this service, our clients can access a network of trusted data sources for seamless identity verification across borders.

By using Verifying personal identity service through data sources, the personal data is encrypted and sent to 400+ partners data sources like mobile networks, credit bureaus, banks, government, utilities, consumer files, public records, biometrics, one-time passcodes.

ID Documents Verification: Performing Liveness checks + verifying ID documents. Identity data is extracted using optical character recognition: first name, last name, date of birth, address, province/state, country, license number. We have Multiple document verification partners 400+ data sources: credit bureaus, banks, governments, utilities, consumer files, public records, and biometrics.

By operating under IT Capital® Shelter Program, you obtain the following benefits like Trouble-free access to operating in Mexico, Allows you to focus 100% on your manufacturing operation, Lower start-up cost than a stand-alone operation, Minimal liability in fiscal, customs, and human resources matters, Minimum supervision required from headquarters for administrative functions, Full compliance with Mexican laws and regulations, Maximize savings by taking advantage of our economies of scale, On-going consulting services (human resources, fiscal and customs), Robust IT platform, ISO 9001-2015 certified.

With this service and starting the Shelter Program, you will have:

• Local networking in place with industrial associations, clusters, and local suppliers
• Academic infrastructure and understanding of government incentives
• Immediate access to the know-how of doing business in Mexico
• Start of operations in 9 weeks
• Optional legal entity
• Intellectual property safe at all times
• No liabilities in Mexico: labor, fiscal, legal, and other operational permits
• No VAT effect on your cash flow. Profit sharing is substituted by a fixed bonus.
• Full control of your operation