Soulbit Academy

A 2% discount for paying 30 days early can be worth about 25% a year, but only if it beats your cost of cash, the FX move and the wire fee. This guide gives the formula, worked examples and a decision rule.

A Colombian subsidiary of a foreign group moves its shift crews from 44 to 42 weekly hours. The case compares three options, rebuilds the shifts and shows night and Sunday surcharges and monthly cost before and after.

Guide to Mexico's LFPIORPI for foreign companies with a Mexican subsidiary or Mexican counterparties: Article 17 activities, UMA thresholds in 2026, duties, notices, penalties and the July 2025 reform.

A regional comparison of AML duties for operating companies: SAGRILAFT in Colombia, vulnerable activities in Mexico and obliged persons in Brazil, with authorities, reports and penalties.

A guide for foreign companies with employees in Colombia: how the monthly divisor changes at 42 weekly hours, what overtime costs before and after, and what to review in payroll.

Financial ratios condense liquidity, leverage, profitability and activity into a few numbers. This guide gives the formulas, how to read them and how the exchange rate moves each one when the balance sheet holds dollar items.

A fictional Colombian clinic treats patients from the United States, Canada and Spain. This illustrative case walks through the deposit, the balance, the conversion to pesos and the reconciliation, without touching a single piece of health data.

Colombia merged the PTEE anti-bribery program into the SAGRILAFT system in July 2026. What a foreign company with a subsidiary or distributor in Colombia must now do.

A foreign company billing Brazilian customers can rely on Pix Automático for in-country recurring charges. This guide covers the authorization journeys, who can offer it, how to schedule and cancel a charge, and how it differs from direct debit, boleto, and scheduled Pix.

Brazil, Mexico and Colombia run public instant payment systems. This comparison shows how they differ, what their central banks report, and why none of them settles a payment between countries on its own.

A calculation guide for foreign companies with employees in Colombia: the 35% night surcharge from 7 p.m., the 90% Sunday surcharge rising to 100% in 2027, with assumed examples and accrual.

SPEI is the interbank payment system run by Banco de México. This guide covers how a company with a Mexican subsidiary or Mexican customers uses it: hours, limits, the CEP receipt, returns, and CoDi and DiMo.

A B2B marketplace collects from buyers and must return each seller their share, minus commission, withholdings and reserves. This illustrative case walks through the full settlement cycle using batch disbursement in stablecoin.

A comparison of Colombia's two anti-money-laundering systems for foreign companies: supervisor, legal basis, elements, and the due diligence asked of clients, suppliers and counterparties.

Bre-B, Colombia's instant payment system run by the central bank, reaches one year of full operation. This guide explains what it means for a company that collects or pays in Colombia, its limits, and where it stops.

Institutional custody with MPC lowers the risk of a single key being stolen, but it does not remove counterparty risk. What it covers, what it does not, and what to ask.

An analysis for the CFO of a foreign company budgeting staff in Colombia: what makes up the total cost of an employee and how the labor reform increases stack up, with explicit formulas and assumptions.

When a LATAM subsidiary bills in dollars and pays costs in local currency, its income statement mixes operating performance with exchange effects. This guide reads it line by line and separates the two with a worked example.