Sociedad Financiera de Objeto Múltiple. Non-bank lenders. Two flavours: regulated (SOFOM ER, supervised by CNBV) and unregulated (SOFOM ENR, only registered). Kueski, DiDi Préstamos and MoneyMan all operate as SOFOMs. Fast loans usually come from a SOFOM ENR — CAT can run past 200%, so keep them for emergencies only.