Adiante Recebiveis

Adiante Recebíveis is a fintech company specializing in the prepayment of receivables for small and medium-sized enterprises (SMEs) in Brazil. Founded in 2018 by Gustavo Blasco, it operates as a subsidiary of the GCB Group, which has been involved in finance and technology since 2009. The firm addresses the cash flow challenges businesses face when they sell on credit but need immediate liquidity to cover operational costs, invest in inventory, or fund growth.

The company's core service is an online platform that allows businesses to discount their electronic invoices (NF-e) and receive payment quickly. The process is entirely digital and automated, utilizing artificial intelligence and machine learning for credit analysis and funding decisions, enabling transactions to be completed in seconds, 24/7. This technological approach eliminates the bureaucratic hurdles and delays commonly associated with traditional banks and factoring companies. To get started, a company needs to register with its corporate tax ID (CNPJ), email, and phone number. After registration, users can upload their electronic invoices in XML format to the platform for instant analysis and approval.

The business model is based on charging competitive fees for each prepayment operation, aiming for volume and customer loyalty. By leveraging data analytics through partnerships with companies like Quod and Núclea, Adiante enhances its credit decision-making process, allowing for more precise risk assessment and a higher approval rate. The platform has processed over 39 million BRL in prepayments across more than 20,000 invoices for over 7,000 registered users throughout Brazil.

Keywords: receivables prepayment, invoice discounting, B2B fintech, working capital, SME financing, digital lending, credit analysis, machine learning, electronic invoices, cash flow solutions, supply chain finance, online factoring, alternative lending, financial technology, capital de giro, antecipação de recebíveis, NF-e