Technology for credit operations
Grow your credit operation without growing the rework.
Startamus builds the systems factoring companies, credit securitizers, FIDCs/credit funds and fintechs use to underwrite, close, collect and scale. All connected, from onboarding to assignment.
- Built by people who know credit
- From onboarding to assignment
- From first portfolio to FIDC
The problem
Your operation stops growing. And it’s not for lack of capital.
Every credit operation starts with a bold decision: to lend, to advance, to finance. Then comes the day-to-day. Credit decisions that hinge on one person. Onboarding a new assignor that takes days. A portfolio tracked in spreadsheets. Collections done over the phone. And the constant question: are we ready for the next regulatory requirement? That’s where the operation stalls. It isn’t short on capital or clients. The process just can’t keep up. Startamus exists to clear that bottleneck.
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We know credit from the inside
From origination to assignment. We design the system around your credit policy, not a generic template.
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We speak your operation’s language
From the credit committee to the back office and the fund manager. Less time explaining, more time deciding.
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Grows with you
Technology that keeps up with every stage, from your first portfolio to a full FIDC structure.
What we build
One system that runs your operation end to end
Connected modules. Start with the bottleneck that weighs most today and expand at your own pace.
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Credit analysis
Rules, data and history in one place. Decisions stop hinging on one person and become traceable for the credit committee.
- Credit policy
- Credit bureaus
- Scoring
- Approval limits
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Digital onboarding
Paperless onboarding for assignors and debtors, with no rework. Documents, KYC and e-signature in a single flow.
- KYC/KYB
- Documents
- E-signature
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Portfolio management
Exposure, concentration, maturities and risk in real time. No spreadsheets, no hand-built reports.
- Dashboards
- Concentration
- Maturities
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Automated collections
A collections workflow that acts before late payments turn into defaults, via WhatsApp, email and boleto.
- Collection workflow
- Boleto/Pix
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Banking integrations
Registration, reconciliation and settlement connected to your banks and your ERP. Less manual checking, fewer errors.
- CNAB files
- Banking APIs
- Reconciliation
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AI-powered service
An assistant that answers clients and assignors around the clock, checks status and hands off to your team when needed.
- AI
- 24/7
Less manual work. More volume with the same team. More confidence to grow.
How we work
First we understand the operation. Then we build.
Planning before building is what keeps timelines and budgets predictable.
First
Assess
We map your credit pipeline, from origination to collections, and show you where the bottleneck is. You approve priorities, timelines and budget before a single line of code.
- Operation map
- Fixed scope and budget
- Priority-based roadmap
Then
Build
We deliver in short stages, with each module running in your operation along the way. You finish with everything documented and supported.
- Staged delivery
- Close collaboration
- Documentation and support
Who operates with us
Results that show up in the operation
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“Onboarding a new assignor used to take [X] days and go through three people. Now it takes [Y], and the credit committee gets everything ready to decide.”
![Photo of [NAME 1]](/testimonials/placeholder-1.webp)
[NAME 1] Partner · [Factoring company] -
“Our collections workflow now acts before the due date. Late payments dropped from [X]% to [Y]%, and the team stopped chasing debtors by phone.”
![Photo of [NAME 2]](/testimonials/placeholder-2.webp)
[NAME 2] Head of operations · [Credit securitizer] -
“The portfolio is out of spreadsheets. Concentration, maturities and risk show up in real time, and the report that took [X] hours to build now takes [Y] minutes.”
![Photo of [NAME 3]](/testimonials/placeholder-3.webp)
[NAME 3] Fund manager · [FIDC]
Who we build for
Technology for credit operators
- Factoring companies
- Simple credit companies (ESCs)
- Credit securitizers
- FIDCs / credit funds
- Credit fintechs
- Commercial finance companies
Frequently asked questions
The answers you need before we start
Didn't find your question? Talk to us. The assessment is free and no strings attached.
Talk to StartamusWhat is the free assessment?
A conversation of about 45 minutes about your credit pipeline. You get a summary of the bottlenecks and where to start, with no commitment.
My operation is still small. Does this make sense?
It does. We start with the module that weighs most today, and the system grows with your portfolio, all the way to a FIDC structure.
Do you replace the system we already use?
Not necessarily. We integrate with what already works (ERP, banks, credit bureaus) and build only what is missing.
How does pricing work?
Scope and price are fixed before we start. Changes only with your approval.
What about data security and regulatory requirements?
Audit trails, role-based access control and LGPD (Brazil’s data protection law) practices are part of the project from day one.
How soon will I see results?
The first deliveries run in weeks, not months, because we work in short stages.
What happens after delivery?
You get documentation, team training and ongoing support.
[E.g. Assignor onboarding dropped from X to Y days]
Let's talk
Book a free assessment of your operation
Tell us how your operation runs today. We’ll show you where technology unlocks more volume with the same team.
- Free and no commitment
- Reply within 1 business day
- A summary of bottlenecks and next steps