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Atlas

Financial institutions

Your applicant's tax history, read in minutes.

With the applicant's authorization, Atlas extracts their SAT data and returns real revenue, customer concentration, compliance and 69-B risk, ready for your credit committee.

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Applicant risk profile

QRS150302AB9
Invoiced revenue, last 12 months$18,420,915.30 MXN
Year-over-year+12.4 %
Top 3 customers31 % · 18 % · 9 %
Compliance opinionPositive
Suppliers on 69-B1 Risk
Missed tax returns0

Sample data

Use cases

A tax read for every credit decision.

Credit risk analysis

Revenue, expenses and margins from CFDI and tax returns, not from self-reported financials. Ongoing monitoring after disbursement.

Factoring

Verify that every assigned invoice is valid, that the payer is real and that there are no later cancellations. Alerts if the CFDI status changes.

KYB, KYC and AML

Tax status certificate, corporate structure, related parties and SAT lists in a single file.

How the applicant authorizes

Three steps. You never see their credentials.

    1

    You send an invitation from Atlas or via API.

    Financiera Ejemplo asks you to authorize a tax data check

    To continue with your loan application, authorize access to your SAT information.

    Authorize access
    2

    The applicant connects their RFC with CIEC or e.firma, whichever they have at hand. You never see their credentials.

    Connect your RFC

    RFC and CIECore.firma

    Your credentials are encrypted. The lender never sees them.

    3

    You receive their reconciled data and indicators in your dashboard, as a PDF or straight into your system via API.

    Applicant risk profile

    QRS150302AB9
    Invoiced revenue, last 12 months$18,420,915.30 MXN
    Year-over-year+12.4 %
    Compliance opinionPositive
    Suppliers on 69-B1 Risk

    Sample data

Connect Atlas to your loan origination system.

The platform is 100% API: create the invitation, receive the authorization, launch extractions and consume indicators without leaving your system.

Talk to salesView documentation
Illustrative example
POST /v1/taxpayers
{ "rfc": "ABC010203XY1", "auth": "ciec" }
POST /v1/extractions
{ "taxpayer_id": "tx_8f2…", "type": "cfdi_received", "period": "2026-08" }

Ongoing monitoring

After you lend, Atlas keeps watching.

It alerts you if your borrower lands on the 69-B list, if their compliance opinion turns negative or if their revenue drops.

Added to 69-B or EFOSRisk
Negative compliance opinionRisk
Drop in invoiced revenueTo review

Sample data

Tax Health Score

Coming soon

One number to compare applicants.

A 300 to 850 indicator built from the taxpayer's tax data, to compare applicants with a single number.

712300850

Sample data

Data sources

Source data, not manual entry.

SAT

CFDI, monthly and annual returns, compliance opinion, tax status certificate, electronic accounting.

SAT lists

69-B (presumed, disproved, definitive, favorable ruling) and EFOS.

Public Registry of Commerce

Corporate structure, shareholders and registered acts.

Credit bureau

Coming soon

Credit history with the holder's authorization.

How you use the data

In the dashboard, in Excel or in your system.

Web dashboard

Filter by RFC, period or counterparty and share views with your team.

Excel

Export CFDI, reconciliations and indicators ready to work with.

PDF

Executive reports for management, audit or credit committee.

API

100% API

Everything in the dashboard is available via API. Plug RFCs, extractions, CFDI, Public Registry of Commerce data and indicators into your ERP, loan origination system or accounting software.

View documentation →
Illustrative example
POST /v1/taxpayers
{ "rfc": "ABC010203XY1", "auth": "ciec" }
POST /v1/extractions
{ "taxpayer_id": "tx_8f2…", "type": "cfdi_received", "period": "2026-08" }

Assess your next applicant with Atlas.

We show you the risk profile, the authorization flow and ongoing monitoring.

Request a demo