What lenders will actually accept as proof
Bank statements from the last three to six months, with regular deposits traceable to clients. Your annual SAT (Mexico's tax authority) return. A current constancia de situación fiscal. Invoices issued in the last ninety days. Signed contracts with recurring clients. Having two of these on hand strengthens your application far more than just one.
Banks that do work with this profile
BBVA, Santander and Banorte all have a specific product for "profesionistas independientes." Typical requirements: at least twelve months of tax history, annual returns filed, an active RFC. If you clear the filter, the CAT (Costo Anual Total — Mexico's all-in annual cost figure) you get is competitive, between 32% and 40% for borrowers with a clean record. It's not a favour; it's a segment they want.
SOFOMs that specialise in the self-employed
Konfío and Credijusto look at cash flow before anything else. If your deposits land steadily, they'll approve you even with recent returns (six months of tax history). CAT between 25% and 60%, approval in one to three business days. For freelancers with less than a year on record at SAT, they're the best first window.
RESICO, RIF and why SAT is helping you whether you feel it or not
Being on RESICO (or the old RIF) is a positive signal for the credit committee. It means you file, you exist on paper, you leave a formal trail. If you've never filed and you're thinking about starting, do it: twelve months of filed returns will multiply your loan options.