Linkapital is a credit fintech that provides small and medium-sized enterprises with access to credit lines within four days by utilizing a scoring system based on publicly available data and submitted documentation. The platform simplifies the credit application process, enabling businesses to receive indicative offers quickly and efficiently without requiring any upfront deposits.
Funding
Funding not disclosed
Founders
Product
Problem
Small and medium-sized enterprises (SMEs) often face challenges in accessing credit due to lengthy application processes and reliance on traditional credit scoring methods. These methods may not accurately reflect the creditworthiness of SMEs, hindering their ability to secure necessary funding for growth and operations.
Solution
Linkapital is a credit fintech platform that streamlines the credit application process for SMEs, providing access to credit lines in as little as four days. The platform utilizes a scoring system based on publicly available data and submitted documentation, enabling businesses to receive indicative offers quickly and efficiently. By automating data collection and analysis, Linkapital reduces the time and complexity associated with traditional lending, offering SMEs a faster and more transparent path to securing credit. The platform supports multiple credit lines, including secured and unsecured options, tailored to the specific needs of each business.
Target Audience
Linkapital primarily serves small and medium-sized enterprises (SMEs) seeking efficient access to credit lines for working capital, expansion, or other business needs.
Features
- Automated credit scoring based on publicly available data and uploaded documentation (XML, TXT)
- Rapid indicative credit offers generated within minutes of submitting company information (CNPJ, revenue)
- Support for multiple credit lines, including Receivable Factoring, Recurring Revenue, and Real Estate-backed loans
- Digital contract signing to expedite the closing process
- Agent portal for real-time tracking of commissions and client progress