Problem
Our Startup has become a hub that connects clients, partners, investors and investment funds. We mostly serve companies that are in distress but that have clean guarantees. That is, those who have money but no credit. We also developed the first credit marketplace covered by consortiums in Brazil, which cures the two biggest pains in the market: scams with contemplated cards and the complexity of the product, since we developed our own technology for this purpose. A market that only in 2025, according to ABAC data, sold more than 500 Bi in credits and delivered more than 123 Bi in contemplations. We also solved the portfolio management part for our partner funds, which culminates in a complete, structured and technological ecosystem, with mitigated risks, highly scalable and profitable.
Solution
All the problems solved by us are the result of a lot of research, study and tests until we find an assertive and scalable solution. We have our own technology, created from scratch by our technology team, our own team, and a network of over 200 partners registered on our platform. We count on 4 Investment funds connected to our platform, more than 200 millions of credits covered by a consortium in our marketplace and over 300M in transactions in our pipeline. We are seeking to expand our partner network (goal of reaching 1. 000 partners and even 24 months) and funds. We also create financial products suitable for the market, to serve clients in financial distress (SDC and Flash Capital). In addition to having developed the only settlement structure for assets purchased through existing discounted consortiums around the world (QuitCon).
Business model
We are a fintech. Our business model is marketplace, partnerships, franchises, Baas, and Saas. Average ticket: R$800. 000,00 (eight hundred thousand reais)
Market
Consortium covered letter market: R$123 Bi. Market for companies in financial distress with clean guarantees: R$225 Bi.
Competitors
We are an innovative platform. We researched the entire market and found absolutely nothing like what we developed. Our biggest competitors, who would be the market players, are connected or connecting on our platform as partners. Both them and major credit developers. Today we have the largest banking correspondent in Brazil connected to our platform as a strategic partner in our ecosystem.
Competitive differentiation
Founder's market experience, technology, scale, operational team, partner network, technology and marketing team, having the largest banking correspondent in Brazil in our wake, the Founder's ultra focus and vision, perseverance, passion for business, own technology, extensive knowledge of all financial market products, unique proposition in every market, Letter's traction power, scale and capillarity. To give you an idea, we just participated in a major event in São Paulo in the past few days 02 and 03 September at the Bradesco Theater, where we officially launched our platform 2. 0, The Brazil Forum. At the end of November we will be going to Shenzen, China, for the largest tech fair in the country, in search of technological improvements for our platform.
Entry barrier
The several years of studying and operating in the market made it possible to create a highly complex business model from the point of view of being copied. Unique, innovative products, our own CTO and technology.
Traction
R$308 MM