Base39

Based in São Paulo, Brazil, Base39 is a financial technology company that provides advanced services for credit and risk analysis. The company was founded by CEO Bruno Nunes to address the inefficiencies of traditional credit analysis by using artificial intelligence. Base39 aims to transform the credit market by making access to credit more inclusive and equitable through advanced, fair analyses.

Base39 has developed proprietary generative AI models to automatically analyze credit risks from financial documents, such as balance sheets and bank statements, in minutes. This technology transforms large volumes of data into actionable insights, allowing for quicker and more precise credit decisions. The platform is built on a serverless architecture using Amazon Web Services (AWS) and integrates technologies like MongoDB Atlas Vector Search and Anthropic's Claude models. This allows the system to interpret documents, cross-reference information, and provide consistent, accurate answers for financial analysis.

The company's business model is centered on providing its AI-driven platform to financial services institutions. This enables clients to significantly reduce the time and cost associated with loan analysis. By shifting from manual processes, Base39's solution has been shown to cut loan analysis costs by 96% and reduce decision times from days to under an hour. Their technology is designed to be highly customizable, allowing clients to define rules and criteria to ensure the analysis aligns with their specific risk parameters.

Keywords: credit risk analysis, artificial intelligence, financial technology, generative AI, risk management, loan analysis, fintech, financial services, data analysis, automated underwriting, credit scoring, alternative data, AI models, API, white-label