We run outbound, content, press and web operations for Mexican SOFOMs and non-bank lenders: a direct lane that detects who needs credit this month, and a channel lane that feeds the promoters and allies who send you the rest.
Request a free sample →Four systems, operated by us. You approve the first sample and the system runs.
Two lanes at once. Direct: businesses and people showing the event that precedes credit, an expansion, an equipment purchase, a cash gap. Channel: the accountants, agents and brokers who see that need before you do, worked as a relationship rather than a pitch. All of it scrubbed against the REUS before sending.
Pages per credit product that answer what your borrower searches before signing, written with the CAT and the legends resolved by construction, at the editorial bar Google applies to money topics.
Presence in the financial and business press your funder and your board do read. A lender that gets cited raises funding and finds allies more easily than an invisible one.
An application flow that converts, measured step by step, plus the landing pages per city and per campaign. When a promoter sends someone to the site, the site closes or loses that placement.
None of this is legal advice and your compliance area still signs. The difference is that whoever drafts starts out knowing which line is mandatory, which number travels with the rate and which universe gets filtered before sending, instead of finding out in the first review.
An unregulated SOFOM must state in its advertising and contracts that it needs no SHCP authorisation and is not supervised by the CNBV. And the ground is moving: in September 2025 the ministry promised to retire the "unregulated entity" label.
What that means for a campaign: Every piece is born with a mandatory line that eats space and tone, so the ad is designed around it rather than patched at the end. And when the ENR name changes, every piece in the sector goes stale at once: whoever runs their copy as a system updates in days, and whoever keeps loose files, in months.
Credit advertising that mentions cost or rate must include the CAT, calculated with the central bank methodology (Circular 21/2009), with its legend.
What that means for a campaign: There is no ad that shows off a rate without dragging its CAT, so creative that competes on price carries more mandatory text than creative that competes on speed or product. The campaign is built knowing which number is worth showing, not discovering it in review.
CONDUSEF keeps a registry of users who refuse financial advertising, and they must be excluded from prospecting. It covers advertising; collections run under different rules.
What that means for a campaign: The outbound universe is scrubbed against the REUS before a run costs anything, and the portfolio flows (renewal, collections) are governed separately because their rule is a different one. The campaign architecture splits marketing from servicing on day one, not when the first complaint arrives.
SIPRES publishes the sector's complete census: some 3,025 SOFOMs in operation, 98% unregulated, with renewals, entries and exits visible. CONDUSEF has reported more than a thousand at risk of losing their registration.
What that means for a campaign: Your competitors and your allies sit on a public list that moves every month: whoever enters is buying everything for the first time, whoever renews is active, whoever disappears leaves clients loose. For outbound that is a firing calendar, not paperwork.
The line you cannot cross: Never promise guaranteed approval or "no credit check" loans, never show a rate without its CAT, and never call pre-qualified pre-approved. Those are the three phrases that turn a campaign into a complaint.
Which is why the system runs two lanes and one is the channel: the promoters, accountants and brokers who refer you are also detected, written to and followed up. The direct lane does not replace them, it adds the accounts showing the signal this month that have not called anyone yet.
Niche is the advantage: a campaign written for payroll lending looks nothing like one for equipment credit or SME loans, and separating them is the whole method rather than an add-on. The more specific the product, the harder the message that understands it works.
Lists sell you contacts. What decides whether someone needs credit this month is an event: an expansion, an equipment purchase, a bank that declined them. We work from those signals, with the universe scrubbed against the REUS registry, so the list is the by-product rather than the product.
We operate it. There is no seat to license, no platform to learn and no admin to hire. You approve the first sample and the system runs every day.
They come resolved by construction: every piece is born with its mandatory line in place and the creative designed around it rather than patched at the end. Your compliance area reviews and signs, but it receives pieces that already know those rules, not drafts to correct.
That is the recommended setup, not an upgrade. Payroll, SME and micro-lending have different triggers, objections and paperwork, and separating the campaigns is where most of the result comes from.
Neither, exactly. We detect accounts showing the events that precede a credit need, research each one and write to them individually. Nothing is bought and nothing is blasted.
Written and reviewed by Martin Weidemann, founder of Fullstack GTM · Last reviewed
Fullstack GTM operates outbound, content, digital PR and web systems. Nothing on this page is legal, compliance, tax or investment advice: the regulations cited are context for how a campaign gets built, not a substitute for your own counsel, and your compliance officer still signs.
Tell us which credit product you place and in which cities, and we will build a sample against that market, with the signals and the messages, before you commit to anything.
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