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Monto Fácil (GO Credit)
Messico
Monto Fácil (GO Credit) lends to government workers and pensioners in Mexico, repaid from their pay. Mintos investors have lent it money; none is outstanding today. Our memo scores it 52 out of 100, a C, and puts the chance it fails to pay within a year at about 5.5%.
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IALender memo · Monto Fácil (GO Credit) · Mexico
Monto Fácil: how likely is it to fail to pay its lenders?
Start with the unusual part: on Mintos there is nothing in this company today. On 9 November 2026 Mintos showed no GoCredit Notes outstanding and a 0% average rate, and on 13 September 2026 it listed no loans at all in its performance table. Monto Fácil repaid its Mintos funding during 2025 and 2026 with no delay we could find. But it keeps a live Mintos prospectus and a Risk Score, so Notes could reappear. This memo therefore rates the lender, not money now at risk. The question is the usual one: what is the chance that Monto Fácil, S.A.P.I. de C.V., SOFOM, E.N.R. fails to pay its lenders in the next 12 months?
THIS IS NOT FINANCIAL ADVICE. This memo was prepared with the help of AI from publicly available documents. It is general information for education only — not a recommendation to buy, sell or hold anything, and it does not take account of your circumstances. Figures may contain errors; check them against the original documents. Investing through P2P platforms can result in the loss of all money invested.
Our score
52/ 100
C Watch
ABCDE
about 5.5%chance it fails to pay in the next 12 months
about 1 in 18the same number, put the other way round
Where that sits on our scale
A C grade carries a portfolio limit of 6%. Mexico is a C country and allows 15% for all its lenders added together, which does not bind here. But the limit is about a company, not about exposure, and today there is no exposure to limit: nothing of yours is in this company unless and until Notes reappear. These caps are a convention of our scale, applied to every lender we cover. They are not advice about your money.
A sound payroll book funded by two trusts that take most of the profit — and nothing on Mintos today
The lending itself is the steadiest part of this memo. Monto Fácil lends to government workers and to pensioners, and is repaid by deduction from the payroll or the pension before the borrower sees the money. Loans more than ninety days late have stayed near five per cent for three years — 4.61%, 5.22%, 4.79% — while the book grew. The allowance is about 1.2 times those late loans.
The complication is how it is funded, and it changes the profit. MXN 399.6m of its money comes from a Banregio trust, and the returns that trust pays its investors — MXN 76.93m in 2025 — are charged to equity rather than to profit, because under the accounting rules the trust money counts as equity. The company reported MXN 95.29m of profit — about €4.8m. Count the trust returns as the cash cost they are, and what is left is MXN 18.36m — 3.92 of every 100 of income, against 0.89 in 2024 and a loss of −4.85 in 2023.
And the paper trail is thin. The last audit report we have is RSM's clean opinion on 2023. The 2024 and 2025 figures are management statements with no audit report attached, and the 2024 figures changed between the two versions we hold: total assets MXN 886.7m became MXN 880.3m, and administrative costs MXN 69.6m became MXN 85.1m. That is what holds the trust-in-the-numbers mark down to a D.
So: about 1 in 18, a C, and nothing of yours in it today. If GoCredit Notes reappear on Mintos, this is the starting point — and Mintos's own score for this company, 8.0, is the highest of the Mexican originators we cover.
Six things would stop us scoring at all and send the answer straight to E — a default, a missed payment to a platform, a regulator pulling a licence, an auditor doubting the company can continue, a broken promise to a lender, or accounts we cannot rely on. None of them applies to this company. Two things would pull the answer the other way, a guarantee from a stronger owner or a credit rating. Neither applies: we found no guarantee from its parent, Go.MGMT, and no credit rating.
💶Financial strengthD
Reported profit MXN 95.29m — but after MXN 76.93m paid to the trust investors, 3.92 of every 100 is left.
📉Loan bookC
Payroll and pension loans; 4.79% more than ninety days late, and the allowance covers those about 1.2 times.
🇲🇽Country: MexicoC
No rate cap; a June 2026 usury ruling; and a total annual cost of 144.1% on one of its own products.
⚖️Group and other risksD
No audit report since 2023, and the 2024 figures changed between two versions of the same year.
There is nothing of yours in this company today, and that is a fact about the platform rather than about the lender.Monto Fácil repaid MXN 87.6m of Mintos principal in 2025 and MXN 17.2m in 2024, from MXN 138.2m at the end of 2023. On 9 November 2026 Mintos showed no GoCredit Notes outstanding and a 0% average rate, as it did on 13 September 2026, when its performance table also listed no loans; our own register of 20 September agrees. We found no delay, suspension or withdrawal at any point in that run-down — the opposite: Mintos has raised its score for this company 4 times since 2024. The company keeps a live Mintos prospectus dated 23 February 2026 and a Risk Score of 8.0, so Notes could return. Until they do, there is no money of Mintos investors at risk here.
The returns paid to the trust investors bypass the profit and loss account entirely.MXN 76.93m went out in cash in 2025 — about €3.9m — and none of it appears as a cost, because the accounting rules let the Banregio trust money count as equity. We show it as a cost in the chart below, because it is paid every year and it is paid before ordinary shareholders see anything. Reported profit of MXN 95.29m overstates what is actually left by that amount. The same happened in 2024 (MXN 56.66m) and 2023 (MXN 56.67m). This is not a criticism of the accounting, which follows the standard; it is a statement about what a lender should read.
No audit report since 2023, and two versions of 2024 that do not agree.RSM México gave a clean opinion on 2023, with an "other matter" on a trust cash-flow exhibit it did not audit. For 2024 and 2025 we have management statements signed by the chief executive, the finance officer and the controller, with no audit report attached. Between the 2024 version and the 2025 version, total assets for 2024 moved from MXN 886.7m to MXN 880.3m and administrative costs from MXN 69.6m to MXN 85.1m — and the two versions disagree about which trust an inflow of MXN 133.6m came from. We read the 2025 statements from a scan, by machine.
Why this number matters
Every investment carries risk, and risk is not really a letter or a mark out of ten. It is two plain questions: how likely is it that this company fails, and how much of your money would you lose if it did. Put those together and you can see whether the reward is worth it.
For Monto Fácil, the first half of the sum is zero today. Nothing is on offer: Mintos showed a 0% average rate and no Notes outstanding. So there is no reward to weigh and no risk being taken. Here is the half you will need if that changes. On our reading the chance of this company failing in the next twelve months is about 5.5%. If about 1 in 18 lenders like this one fail in a year and about 70% of the money is gone when they do, the risk costs about 3.8% a year. Subtract that from whatever rate is offered before deciding the reward is worth it. That is our arithmetic on our own scale, and you are entitled to disagree with the scale.
Three things worth holding on to
1. Repaid in full is the best evidence there is
A lender that ran its platform funding down to nothing without a single missed payment has told you something no ratio can. It is the strongest fact in this memo and it is why the warning-signs mark is not lower.
2. Reported profit is not what is left
MXN 95.29m reported, MXN 18.36m left once the trust investors are paid. Both numbers are correct; only one of them is the margin a lender should look at.
3. The cushion depends on who ranks where
Ordinary shareholders have put in MXN 42.8m, which is 4.3% of what the company owns. But the trust's MXN 399.6m ranks behind every lender, so from a lender's seat the cushion is MXN 442.4m — 44.2%.
What it is
A SOFOM E.N.R.An unregulated Mexican finance company, founded in April 2011 in Monterrey. A subsidiary of Go.MGMT, S.A. de C.V. Trades as "GO Credit", with more than 100 staff.
What it sells
Payroll and pensioner loansTo government workers and to IMSS, ISSSTE and PEMEX pensioners, repaid by deduction. The total annual cost runs from 78.3% to 144.1%.
How big
MXN 755m of loansGross, at the end of 2025 — about €38.4m — up 11% over the year.
How it is funded
Two trustsA Banregio trust whose money counts as equity, and an Invex trust that is debt. The parent manages the first and takes a fee on it.
Platform
Mintos, as "GoCredit (MX)"Euro and dollar Notes, on Mintos since August 2021. A base prospectus for SIA Mintos Finance No. 13 dated 23 February 2026 is live.
How much is actually lent
€0.0mNothing outstanding when we read Mintos on 9 November 2026; no loans listed on 13 September 2026, and nothing in our own register of 20 September — platform figures.
Rate and protection
0% — nothing on offerWhen Notes were live there was a 60-day buyback, a pledge and repayment through a Banorte trust, as the February 2026 prospectus sets out.
The platform's own score
Mintos Risk Score 8.0Raised 4 times between March 2024 and October 2025, and still 8.0 after Mintos's update of 9 October 2026 — the highest of the Mexican originators we cover. That is Mintos's number, not ours.
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