Pantore Pay
Pantore Pay provides short-term working capital for Brazilian micro-entrepreneurs (MEI) and small companies (ME), offering a revolving credit limit that can be used to pay supplier bills via boleto or PIX. The credit line grows with the customer's payment history, and repayment terms range from 7 to 30 days. The company operates as a banking correspondent rather than a financial institution.
- Financial Technology
- Applications
- Software Only
Funding
Funding not disclosed
Founders
Product
Problem
Micro-entrepreneurs (MEI) and small companies (ME) in Brazil often face cash flow gaps that make it difficult to pay suppliers on time, organize working capital, or seize growth opportunities. Traditional credit options are frequently slow, bureaucratic, or inaccessible for this segment, leaving small business owners without flexible short-term financing when they need it most.
Solution
Pantore Pay offers a revolving credit line that small business owners can access directly through a mobile app. After creating a free account with CPF and active CNPJ, users receive a pre-approved credit limit that can be used to pay supplier bills by scanning a boleto or PIX code. The company pays the supplier immediately and sends the customer a new charge due within 7 days, providing a short-term cash flow bridge. The available credit limit grows over time based on the customer's payment history, and funds can be used whenever needed without reapplying. Pantore Pay operates as a banking correspondent under Brazilian Central Bank regulations, partnering with licensed financial institutions to provide credit services.
Target Audience
Primary customers are Brazilian micro-entrepreneurs (MEI) and small companies (ME) that need short-term working capital to pay suppliers, manage cash flow, and maintain business operations.
Features
- Revolving credit line with pre-approved limits available directly in the mobile app
- Supplier payments via boleto or PIX QR code scanning with a single tap
- Flexible repayment terms ranging from 7 to 30 days
- Credit limit increases automatically based on the customer's payment history
- No upfront fees charged for credit approval or release
- Operates as a banking correspondent (correspondente bancário) under CMN Resolution 3.954, partnering with licensed financial institutions