Institutional Information
Peralta Soluciones, S.A.P.I. de C.V., SOFOM, E.N.R.
Last updated: February 2026
Contents
I. Corporate Profile
Wolf Financial operates under the legal name Peralta Soluciones, S.A.P.I. de C.V., SOFOM, E.N.R., incorporated in 2019 under applicable Mexican law. The entity specializes in structured financing for small and medium-sized enterprises supplying the public and corporate sectors.
The institution maintains a nationwide operational presence with offices in Cuernavaca (fiscal headquarters), Mexico City, Cancún, Mérida, Playa del Carmen and Riviera Maya, enabling it to serve financing demand across Mexico's principal economic zones.
In December 2025, Wolf Financial obtained the SAC Level 3 Certification, the highest level granted by the Association of Multiple Purpose Financial Companies in Mexico (ASOFOM), with a rating of 3.55 out of 4.0. This certification evaluates operational practices, financial soundness and corporate governance.
Wolf Financial's institutional positioning is grounded in the combination of proprietary technology, specialized sector knowledge and operational discipline, oriented toward the provision of structured financial solutions with short tenors and verifiable underlying collateral. The institution has multi-currency operating capability (MXN and USD).
II. Business Model
Wolf Financial operates as a non-bank financial intermediary, offering short-term financing products backed by receivables and verifiable commercial relationships.
Financial Products
- Invoice Factoring — Receivables discounting with assignment of collection rights.
- Supplier Credit — Working capital lines for private sector project execution.
- Supply Chain Finance — Structured early payment programs with anchor companies.
Client Profile
The client base comprises SMEs supplying private sector corporates and federal, state and municipal government entities. In all cases, operations are backed by verifiable documentation: stamped electronic invoices for goods or services delivered and accepted.
Operational Cycle
The operational cycle comprises five stages: origination, credit analysis, committee approval, disbursement and collection management. Operational tenors range from 30 to 120 days, enabling efficient portfolio turnover.
Revenue Structure
Revenue is generated through per-transaction fees and the spread between the cost of funding and the discount rate applied. The cost structure is determined individually based on the risk profile of each transaction.
Structural Differentiators
- Proprietary technology platform with automated credit assessment.
- Short operational tenors (30–120 days) limiting temporal exposure.
- Underlying collateral in government and corporate receivables.
- Sector specialization with deep supply chain knowledge.
Proprietary Technology Infrastructure
All operations run on Wolf Financial OS, our proprietary platform integrating origination, credit evaluation, auditable financial ledger, automated servicing and settlement into a single system. The architecture supports multi-institution operation with database-level isolation and full traceability of every financial event.
Learn about Wolf Financial OS →III. Comprehensive Risk Management
Risk management constitutes a fundamental pillar of operations. Wolf Financial applies a comprehensive framework encompassing the credit, fiscal, legal, operational and reputational dimensions of each transaction.
Credit Assessment
Each application undergoes a multidimensional evaluation process including:
- Financial analysis: review of financial statements, cash flows and repayment capacity.
- Fiscal verification: tax compliance review with Mexico's Tax Administration Service (SAT) via the applicant's CIEC credentials.
- Legal analysis: validation of the existence and validity of contracts, invoices and collection rights.
- Operational assessment: verification of the applicant's execution capacity.
- Reputational analysis: screening against politically exposed persons lists and international sanctions databases.
Credit Committee
Transactions are approved by a collegiate credit committee that operates with documented criteria and tiered authorization policies based on the amount and risk profile of each operation.
Concentration Policies
Concentration limits by debtor, economic sector and geographic region are applied to diversify portfolio risk and prevent disproportionate exposures.
Mitigation Strategies
- Assignment of collection rights as the primary collateral for operations.
- Direct verification of contracts and purchase orders with debtors.
- Continuous monitoring of borrowers' financial and fiscal standing.
- Preventive reserves in accordance with the risk rating of each operation.
Monitoring and Collections
The portfolio management system operates with automated early warning alerts, proactive maturity tracking and documented judicial and extrajudicial collection processes.
IV. General Financial Information
The following information is presented for informational purposes only, in the form of trends and ranges, and does not constitute financial statements or projections.
Portfolio Growth
Sustained year-over-year growth
The credit portfolio has registered consistent growth, reflecting operational expansion and demand from the segments served.
Transaction Volume
+150 companies served
Cumulative transaction volume diversified across multiple economic sectors and regions nationwide.
Delinquency Rate
Within sector parameters
Delinquency remains controlled and within acceptable ranges for the type of operations conducted.
Average Tenor
30 – 120 days
Short operational tenors enable efficient portfolio turnover and limit the temporal exposure of risk.
Funding Structure
Operations are sustained through a combination of proprietary capital and institutional credit lines. The funding structure is designed to maintain operational liquidity and support portfolio growth.
Detailed Information
Audited financial statements, detailed portfolio composition, financial projections and additional specific financial information are available upon request, through access to a private data room and subject to the execution of confidentiality agreements.
V. Corporate Governance
This Corporate Governance Manual establishes Wolf Financial's governance framework, defining the principles, bodies and policies that govern its control structure, accountability and decision-making. Corporate governance is built on three pillars: governing bodies, key internal functions and relevant stakeholders.
Governing Bodies
Shareholders' Assembly
Supreme governing body of the company. Appoints board members, approves annual financial statements and statutory amendments.
Board of Directors
Composed of up to 10 proprietary directors, with a minimum of 25% independent members. Defines strategic direction and oversees the company's operations.
Audit and Internal Control Committee
Composed of independent directors. Oversees the internal control system, reasonableness of financial statements and internal and external audits.
Credit Committee
Evaluates and approves credit operations in accordance with established policies. Monitors portfolio quality and delinquency levels.
Advisory Board
Advisory body to the CEO. Provides strategic and sector expertise to strengthen decision-making.
Senior Management
Composed of 7 executive positions: CEO, Planning & Finance, Operations, Commercial, Information Technology, Legal and Compliance.
Control Model and Best Practices
- Three Lines of Defense Model for comprehensive risk management and internal control.
- Periodic Corporate Governance Best Practices Report aligned with CCE, LMV, COSO and OECD standards.
- Duty of loyalty and conflict of interest policies applicable to all board members.
- Periodic rotation of board members to ensure diversity of perspectives and independence.
Three Lines of Defense Model
First Line
Senior Management and operational areas. Directly responsible for risk management in day-to-day activities.
Second Line
Internal Control and Compliance. Supervise and advise on the application of policies, regulations and controls.
Third Line
Internal Audit. Provides independent assurance on the effectiveness of governance, risk management and controls.
VI. Compliance and Regulatory Framework
Wolf Financial operates within the legal framework applicable to Non-Regulated Multiple Purpose Financial Companies (SOFOM, E.N.R.) under current Mexican law.
Regulatory Registrations
SIPRES Registration
Registered with Mexico's National Commission for the Protection and Defense of Financial Services Users (CONDUSEF) under SIPRES ID 695153.
Legal Framework
Operates in accordance with the General Law of Organizations and Auxiliary Activities of Credit and other applicable regulations.
ASOFOM Membership
Active member of the Association of Multiple Purpose Financial Companies in Mexico, A.C.
Anti-Money Laundering
The institution maintains policies and procedures for the prevention of money laundering and terrorist financing (AML/CFT) in accordance with applicable general provisions. Periodic reports are filed with the competent authorities.
Supervision and Reporting
- Compliance with CONDUSEF obligations regarding user protection.
- Filing of regulatory reports within the deadlines established by applicable regulations.
- Operation of a Specialized User Support Unit (UNE) in compliance with current regulations.
VII. Institutional Relations
Wolf Financial maintains relationships with national and international institutional counterparties interested in the SME financing sector in Mexico. Detailed financial information, including audited financial statements, portfolio composition and projections, is shared exclusively upon formal request and subject to the execution of confidentiality agreements.
Data Room for Institutional Counterparties
For institutional counterparties with an active due diligence process, Wolf Financial provides controlled access to a digital Data Room containing corporate, financial and regulatory documentation.
- Secure and confidential access
- Complete documentation for due diligence
- Available 24/7
Institutional Contact
For institutional information requests, data room access or the establishment of formal relationships, please use the following form.
National Financial Education Strategy 2025–2030
Commitment to Financial Education
Wolf Financial aligns with Mexico's National Financial Education Strategy (ENEF) 2025–2030. As a regulated SOFOM, we are committed to Strategic Objective 4: expanding MiPyME understanding of financial products to prevent over-indebtedness and promote informed decisions.
46%
of companies that apply for credit obtain it
60%
of companies don't use financial technology
37%
of the population has high financial stress
61%
of companies do some financial planning
Source: ENEF 2025–2030 diagnostic data (ENAFIN 2024, ENSAFI 2024). Published by the Financial Education Committee of the Mexican Government.
Cross-cutting priorities we support
Legal Notice
The information contained in this section is provided for informational and institutional purposes only. It does not constitute, and should not be construed as, a public offering of securities, an invitation to invest, or a solicitation of funds from the general public. Peralta Soluciones, S.A.P.I. de C.V., SOFOM, E.N.R. operates exclusively as a Non-Regulated Multiple Purpose Financial Company under applicable Mexican law. Any institutional or funding relationship is established exclusively with qualified counterparties and under the corresponding legal frameworks.