Credus is a fintech platform that connects Brazilian exporters with global financial institutions to streamline export financing. By digitizing the process, Credus reduces bureaucracy and costs, providing exporters with faster access to capital for international trade. The platform focuses on the buyer's creditworthiness to de-risk the export process and expand financing options.
Funding
Funding not disclosed
Founders
Product
Problem
Brazilian exporters, especially SMEs, face challenges in securing export financing due to bureaucratic processes, demands for robust credit history or local guarantees, and a lack of transparent pricing, which hinders their ability to compete in the global market. Traditional financing options often involve lengthy manual processes and high collateral requirements, making it difficult for these businesses to access necessary capital.
Solution
Credus is a digital platform that connects Brazilian exporters with a global network of financial partners, providing streamlined access to export financing solutions. Credus offers a Buy Now, Pay Later (BNPL) model, enabling exporters to receive up to 100% of the invoice value upon shipment, while their international buyers pay later (30-120 days). The platform assesses the creditworthiness of the buyer, reducing the risk for the exporter and expanding financing opportunities, even for SMEs without extensive export history or high credit scores. By digitizing the financing process, Credus reduces bureaucracy, offers competitive rates with transparent fees, and facilitates logistics and customs clearance through its partners.
Target Audience
Credus primarily targets Brazilian exporters, including SMEs and trading companies, seeking to expand their international sales by offering flexible payment terms to global buyers.
Features
- Digital onboarding and risk assessment of international buyers.
- BNPL financing model providing up to 100% payment upon shipment.
- Access to a global network of financial partners.
- Logistics and customs clearance facilitation.
- Real-time monitoring of export operations.
- Multi-currency payment options (BRL, USD, or other currencies).
- Compliance with ISO/IEC 27001:2022, ISO/IEC 27701:2019, and ISO/IEC 27018:2019 standards for data security.