Servicing.

Servicing.

Servicing.

Management and collection of your credit portfolio, with real-time reports.

Management and collection of your credit portfolio, with real-time reports.

Management and collection of your credit portfolio, with real-time reports.

Managing a credit portfolio, tracking every payment, and taking action when something is overdue consumes operations that most originators do not have the capacity to scale.

Managing a credit portfolio, tracking every payment, and taking action when something is overdue consumes operations that most originators do not have the capacity to scale.

How it works

How it works

Connect your wallet to Monato's collection infrastructure (Direct Debit, SPEI, cash).

We track every scheduled payment and every delay.

We report the portfolio status with credit-level visibility, not just at an aggregate level.

Key benefits

Key benefits

Master servicing and backup servicing, for continuous operation even if your internal team changes.

Collections on the same rails you already use for disbursements (Direct Debit, SPEI, cash).

Full lifecycle visibility of each credit, not just the total portfolio amount.

Where it is used

Where it is used

SOFOMs and originators that already have an active portfolio and need professional management without building their own in-house servicing team.

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Do you manage a credit portfolio without the team to scale collections?

Do you manage a credit portfolio without the team to scale collections?

SOFOMEs and originators already manage their portfolio on Monato's infrastructure, with visibility into the complete life cycle of each loan, without building their own servicing team.

SOFOMEs and originators already manage their portfolio on Monato's infrastructure, with visibility into the complete life cycle of each loan, without building their own servicing team.

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy