Your company is paying more than it should.
We fix that.
Cheaper credit, optimized payments, working capital without a bank — independent curation of the Brazilian financial market for CFOs and founders who want results, not meetings.
From credit to payment infrastructure
Independent curation to connect your company to the right instruments — no bank bias, no one-size-fits-all.
Working Capital & Business Credit
CCB, debt restructuring and working capital without bank bureaucracy. +30 independent partners.
02Payment Gateway & Split
Gateway with intelligent routing, marketplace split, advanced Pix and approval optimization.
03White-Label Digital Account & BaaS
Launch a digital account, co-branded card and embedded credit under your brand — no Central Bank license required.
04FX OTC & International Payments
OTC desk with institutional rates for importers and exporters. BRL, USD, EUR, USDT, ARS and MXN.
05Crypto OTC for Companies
Convert BTC, USDT and crypto to fiat with compliance, tax documentation and settlement in up to 2h.
06Receivables Anticipation
Consolidated renegotiation for retail chains: from 3.5% to 1.4% p.m. using your volume as leverage.
07Asset Tokenization
Receivables, real estate, agribusiness and equity in digital tokens regulated by the Central Bank of Brazil.
08Receivables Securitization
FIDC, CRI and CRA — raise capital in the capital markets at a lower cost than bank credit.
09Tax Credit Recovery
Identify and recover PIS, COFINS and ICMS overpaid. Fees only on the recovered amount.
10Supply Chain Finance
Anticipate trade receivables at the buyer's rate. Extend supplier payment terms without hurting their cash flow.
11Real Estate-Backed Credit
Unlock up to 60% of property value as credit. From 0.89% p.m., up to 240 months, zero down payment.
12Fleet-Backed Credit
Use your fleet as collateral. From 1.19% p.m., up to 120 months — fleet keeps operating.
How Simpplifique works
What your bank doesn't tell you about market rates
Real comparison between what traditional banks offer and what Simpplifique accesses for you — with independent curation.
| Criteria | 🏦 Traditional Bank | ✦ Simpplifique |
|---|---|---|
| Working capital rate | 2.5% – 4.5% p.m. | 1.2% – 2.2% p.m. |
| Receivables anticipation | 2.5% – 3.5% p.m. | 1.2% – 1.9% p.m. |
| Asset-backed credit | 1.5% – 2.5% p.m. | From 0.89% p.m. |
| Approval timeline | 15 – 60 days | 2 – 15 days |
| Solutions available | 3 – 5 proprietary products | 12 market solutions |
| Recommendation independence | Own products only | Full market, no bias |
| Diagnostic cost | Not offered | Free, no commitment |
+30 curated partners for your business
Banks, fintechs, securitization firms, asset managers and fintech providers — selected for solution quality, solidity and fit to our clients' needs.
Does your company need a financial solution?
We run a free diagnostic and identify which solution drives the most impact for your company right now. No commitment.