Products
Working Capital: Fast and Digital Liquidity for SMEs
Brazil is fertile ground for SMEs, and Open Co offers a fair, agile and 100% digital credit line to support the cash flow of small and medium businesses.
Key Benefits:
- 100% Digital Process: Loans in minutes, without paperwork and without leaving home.
- Fast Disbursement: Quick disbursement to the customer's business account.
- Flexibility for the Partner: Can be offered directly in the portal or via offer link, acting as a growth engine for sellers in your ecosystem.
Our proprietary models outperform credit bureaus in SME analysis
With over R$ 5.3 billion originated and a unique dataset on Brazilian entrepreneur behavior, our AI models identify good payers that traditional market models would reject. The result is a higher approval rate with lower delinquency — more businesses funded, more safely.
Open Co
Bureau
Model Performance vs. Market — SMEs
Cumulative Losses × Approved Customer Decile (most to least creditworthy)