Credit decisions in Mexico don't end at disbursement. The compliance and financial status of a borrower can change — a company may fall behind on SAT obligations, have its RFC suspended, or see a sharp drop in invoice activity — without any proactive notification reaching the lender.
The problem is not a lack of data. SAT publishes compliance opinions, fiscal details, and tax status for every registered RFC. The problem is access: most institutions only check this data at origination, not continuously.
What changes after origination that matters to lenders
Tax compliance status: A borrower with a POSITIVO Opinión de Cumplimiento at origination may fall to NEGATIVO during the loan term if they miss a tax obligation. The specific obligation, month, and year are all surfaced in CRiskCo's `/GetCompanyTaxStatus` endpoint. Without continuous monitoring, lenders only discover this at the next scheduled review.RFC status changes: A company whose RFC is suspended or cancelled by SAT has materially changed risk profile.Invoice activity decline: A sharp drop in AR invoice volume in the months following disbursement is one of the clearest early warning signals for SME credit. The `/ar-transactions/invoices` endpoint, pulled regularly, surfaces this before it appears in payment behavior.FinScore trend: CRiskCo's `/GetHistoricalFinscore` endpoint returns a month-by-month risk score. A declining trend over two or three consecutive months is a meaningful flag worth escalating — even if the absolute score remains in an acceptable range.Employee headcount changes: The `/GetEmployeesDetails` endpoint tracks employees registered with SAT. A business cutting headcount significantly while maintaining invoice volume warrants investigation. A business where both are declining simultaneously is a more serious signal.How to operationalize portfolio monitoring with the API
A monitoring architecture using CRiskCo typically works like this:
At origination: The applicant is onboarded via `/OnboardingSatIntegration`. Their applicantId is stored in your loan management system alongside the loan record.On a scheduled basis (weekly or monthly): Call `/RequestMonitoring` for each active borrower. This triggers a fresh SAT data pull for that applicant. Then call `/GetCompanyTaxStatus`, `/GetHistoricalFinscore`, and `/ar-transactions/invoices` to check for changes since the last pull.On alert triggers: Define thresholds in your system — e.g., any change from POSITIVO to NEGATIVO, any FinScore drop of more than 10 points in a month, or any 30%+ decline in invoice volume. Flag these cases for relationship manager review before they reach the collections team.At annual review: Call `/grouping/applicant-financials` to pull the complete current picture — standardized P&L, balance sheet, bank statement, documents, and analytics — in a single API call. This replaces the manual document collection process entirely.Why SAT is more reliable than periodic document requests for ongoing monitoring
When lenders rely on annual document submissions for portfolio monitoring, they are working with data that is already 12–18 months old by the time it is reviewed. SAT data, accessed through the CRiskCo API, is current. The Opinión de Cumplimiento reflects SAT's current assessment. Invoice data reflects activity in the last 30 days. Employee data reflects the current payroll register.
For institutions managing large SME portfolios, the difference is material: problems detected at month 3 of a 24-month loan are recoverable. Problems detected at month 18 typically are not.
CRiskCo provides continuous SAT data access and portfolio monitoring through a single API integration — with 99.99% uptime and SOC 2 certification. See the full API documentation → · Book a portfolio monitoring demo →