Zeztra provides an embedded finance platform that centralizes, automates, and scales B2B financial operations such as payments, collections, credit underwriting, and receivables anticipation. By integrating multiple payment methods (PIX, boleto, card, private label) and AI‑driven risk analytics, it helps medium‑to‑large companies reduce delinquency, accelerate cash flow, and generate new revenue streams from banking services. The solution is tailored for high‑volume sectors like wholesale, education, and industry, supporting annual revenues above R$20 M.
Funding
Funding not disclosed
Founders
Product
Problem
Zeztra addresses the fragmented and manual nature of B2B financial operations in medium to large enterprises, where payments, credit decisions, and receivable collection are spread across multiple systems and channels, leading to high delinquency rates and inefficient cash flow management.
Solution
Zeztra offers an embedded finance platform that centralizes, automates, and scales core financial workflows such as payments, credit underwriting, and receivable advances. The platform integrates with existing ERP systems and supports a wide range of payment methods—including Pix, boleto, card networks, and private label—allowing businesses to process high‑volume transactions from a single interface. AI‑driven analytics optimize billing cycles, reduce delinquency, and provide real‑time risk assessments for faster, more secure credit decisions. Automated receivable anticipation converts future cash flows into immediate capital, improving liquidity without additional borrowing. By unifying these functions, Zeztra transforms finance from a back‑office support role into a strategic growth engine.
Target Audience
Primary customers are medium‑to‑large B2B enterprises in sectors such as wholesale, education, industry, and healthcare, with annual revenues above R$20 M and high transaction volumes.
Features
- Unified dashboard for managing payments, credit, and receivable collection across multiple channels (Pix, boleto, credit/debit cards, Apple Pay, etc.)
- AI‑powered billing automation that adjusts collection rules, sends multi‑channel reminders (SMS, email, WhatsApp), and tracks delinquency in real time
- Real‑time credit scoring using integrated financial data, enabling rapid automated approval or manual review workflows
- Receivable advance engine that instantly converts approved invoices into working capital with transparent pricing
- Seamless ERP integration via APIs, ensuring data consistency and eliminating duplicate entry
- Compliance and tax optimization tools that align financial operations with regulatory requirements