Introducing Bcredi Platform

An exclusively white-label platform designed to enable both SMBs and Enterprises to underwrite credit and upsell their products and services across a +10Y loan life-cycle.

For Brazilians

Real estate-backed credit products

A 100% online process with 10 days from application to disbursement, along with affordable prices, long terms, financial education through the loan lifecycle.

For Partners

Credit underwriting and servicing

Through a proprietary technology which collects and monitors data over the loan lifecycle, identifying and generating cross and upselling opportunities, mitigating NPL, and enabling scalability and monetization throughout the entire credit-chain.

Why should you partner with Bcredi Platform?

Safe

Add safe and cost-effective credit options to your portfolio

Assisting clients

Create opportunities by assisting clients unattended by traditional credit providers

Lean processes

Get an efficient approach to monetize your existence customer base

Data-based insights

Get data-based insights to reshape your business

12 years of experience

Gain a partner with 12 years of experience in real estate-backed credit industry

Attractive rates

Upscale ongoing loans with more attractive rates and longer terms

Which kind of business can beneficiate by partnering with Bcredi Platform?

Small banks

ERPs

DMCs

Fintechs

Bcredi Platform partners

Serasa Experian
XP Investimentos
InGaia
Stone
Lendico
Bari
Jive
Nexoos
Finanzero
Equity International

How does it work?

step-1-novo

Underwrititng

Customer aquisition
 
 
step-2-novo

Credit Analysis

Credit simulation
Appraisal
Legal analysis
Contract
step-4-novo

Funding

Disbursment

step-3-novo

Servicing

Billing
Negotiation
Up & Crossell
Bcredi as a Service enables plug and play integrations to groundbreaking real estate-backed credit products:
Home equity

 

Undebt household used as a guarantee for a long term and attractive rate loan

Mortgage

 

Loan granted to household acquisition with special conditions

Rental Securitization

 

Years of anticipated rental rates for household owners

Why real estate-backed credit products are trendy in Brazil?

The problem

The annual average interest rate in Brazil is 38%. Traditional credit products are expensive.
40% of Brazilian adult population is indebted, this number was never so high. Credit for Brazilians is more about indebtedness than investment.

The scenario

There are 51M debt free households in Brazil that could change the current situation.
0,99% is the monthly average interest rate for home equity loan in Brazil.