We are a credit advisory. First, we understand your full case: assets, cash flow, and objectives. Then we choose the best route with more than 40 regulated partner institutions: debt reprofiling advisory to reorganise liabilities at lower cost, or leverage advisory to fund growth with a defined structure.
Credit advisory. The structuring is ours; the credit is granted by regulated partner financial institutions, subject to the review of each case. An analyst leads your case from the first contact to the final answer.
R$ 150M+ in approved credit
We structure the operation and lead it with more than 40 partner financial institutions.
Credit advisory organises your case, structures each step, and leads the negotiation with regulated partner financial institutions until the best proposal is ready.
We start with your full context: what must be paid, what must be protected, and what you want to achieve. Then we structure and coordinate with partner institutions to execute the best route.
Every well-structured operation starts with a well-understood case. From the first contact to release, one analyst leads every step.
The property you already own unlocks longer terms and larger amounts, without selling what is yours or giving up using it. The analysis shows whether the operation is worth it before any proposal.
For companies, the reading is the business cycle: cash, receivables, project. From receivables advance to foreign funding, the right security gives room to breathe without choking the operation.
The operation is designed for the case: security, term and amortisation. It is then taken to the partner institutions, and an analyst keeps you informed about progress and next steps.
The goal realised, from the signed contract to the release of funds. And the follow-up does not end when the credit is out: reviewing the route is part of the job.
Seven structured-credit lines, the tax credit and two planning solutions. The case changes; the standard of analysis does not.
The credit your property deserves.
Credit secured by your property, to reach higher amounts over longer terms.
Use the car as security and keep driving.
Credit secured by your car, without having to stop driving it.
The condominium's works, without a one-off special levy.
Credit for the condominium, secured by the receivables of the monthly dues, to fund works and improvements.
Breathing room so the company keeps turning.
Receivables advance: the company brings forward what it has to receive, with its own receivables as security.
Cash for the company to operate, sized to its revenue.
Working-capital credit secured by real collateral to finance stock, payroll and suppliers. The structure considers the company's cash flow and the collateral offered.
From land to handover, with capital to build.
Credit for construction and development, secured by the land and the works themselves.
Capital from abroad, structured operation by operation.
Raising funds abroad under Law 4,131, the law that governs loans taken outside the country and registered with the Central Bank. Each operation is structured individually.
The planned path to the asset, in your time.
A group that self-finances to acquire an asset in a planned way, with no interest, but an administration fee. Every month, participants are drawn by lottery or bid, that is, they receive the credit letter to buy the asset.
Buy an already-awarded letter, without waiting for a draw or bid.
Sale of already-awarded consortium letters to those looking to acquire an asset. The quota transfer is subject to the administrator's review.
Pay less tax with the credits you already hold.
Tax credits are taxes you have already paid that the law lets you use to offset or reduce future taxes. Instead of paying again what was already paid, you deduct that amount and free up cash.
The condition for your case depends on a complete assessment. The difference in structure is clear from the start.
A personal loan, a credit card and an overdraft are fast, but short and limited. With security, credit may match the size of your assets. Any condition depends on assessment by the regulated partner financial institution that grants the credit. CifraCred is a banking correspondent.
Operations that leave the page.
Real people and real business, from the first contact to the signed contract.
Tell us what you need and what can enter as security: property, vehicle or receivables. Prefer to plan with a consortium? It also starts here. It takes a minute, no commitment.
The analyst designs the operation, sets security, term and amortisation, and compares the partner institutions' policies, with the reason for each path.
Once approved and formalised, the amount is released. An analyst keeps you informed about each stage and the estimated timeline.
Four commitments that hold for every solution, from cutting debt to credit for growth.
Choose a solution and enter the amount you need. Where a simple monthly calculation fits the product, we show a base payment and an income or revenue estimate. This is not a credit offer.
Enter only the scenario's financial facts. The institution, policy, costs, and mandatory wording come from the governed system.
Complete estimate
| Cost | Amount | Treatment | Date |
|---|
| Installment | Due date | Opening principal | Interest | Principal | Payment | Closing principal |
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CifraCred's credit advisory is structured guidance and execution. We assess your case and choose the right route: debt reprofiling advisory when the goal is to reorganise liabilities and ease cash flow, or leverage advisory when the goal is to raise capital for growth. Then we design the operation with proper security, term, and amortisation for your profile and manage the negotiation with regulated partner institutions. We are not the bank; approval and disbursement stay with partners. The difference is method, case-specific analysis, and analyst follow-through from intake to closure.
It is a company authorised to bring you closer to financial institutions and to intermediate the credit contract. CifraCred organises, analyses and structures your operation, but the credit is granted by the regulated partner financial institutions. You get the agility of close service with the backing of a regulated institution.
Yes, as long as the instalments are up to date. The asset enters as security under fiduciary sale: you keep using the property or the vehicle throughout the contract, but, if the instalments are not paid, it can be repossessed by the institution. An analyst explains each condition clearly before any signature, and looks for an instalment that fits your budget.
Individuals and companies. Each solution has its audience: those with a property or vehicle, companies that need cash, a condominium, developers, and those planning a purchase. An analyst assesses your case and points to the most suitable line, with no promise of approval, which depends on the partner institutions' analysis.
It depends on the line and documentation, and varies case by case. An analyst explains the estimated timeline, the operation's progress and what is needed to move forward.
A credit check is part of any serious contract and is conducted by the partner institutions. We guide you so the check happens at the right moment, with your knowledge and no surprises. An analyst explains what to expect at each stage.
It varies by line and profile: individual or company, secured by property, vehicle or receivables. Instead of a generic list, the analyst tells you exactly what applies to your case and follows the gathering of documents, so you don't collect paperwork for nothing.
CifraCred is a banking correspondent and works alongside regulated partner financial institutions, which grant the credit. Our service and ombudsman channels are in the footer; the partner institution's channels come with the proposal and the contract of each operation. Every operation is conducted with a contract, transparency and the support of a real analyst.
When a financial condition is presented, its rate and total effective cost appear together and every value comes from the same scenario. At this stage, the site records only what you are looking for; any condition depends on the partner financial institution's assessment.
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Provide the solution and intended amount. Then talk to an analyst to assess the case before any financial condition.
