Credmei

Credmei Securitizadora S.A. operates as a financial technology firm specializing in credit solutions for small and medium-sized enterprises (SMEs) in Brazil. Founded in 2013 by Guilherme Ribeiro, the company originated in Uberlândia, Minas Gerais, a key region for Brazil's agribusiness sector. Ribeiro, a serial entrepreneur, established Credmei to address the financing gaps in the short-term receivables market for growing businesses.

The company's core business revolves around the anticipation of receivables, providing crucial liquidity to its clients. It primarily serves SMEs in the agribusiness, industrial, and distribution sectors, targeting companies with annual revenues between 1 and 30 million USD. Credmei's business model is built on a digital platform that leverages proprietary technology and artificial intelligence for credit analysis. This system enables the company to evaluate and release funds for receivable advancements in as little as five minutes. Revenue is generated from the fees and interest associated with these credit operations.

Credmei has established itself as a bootstrapped and profitable entity, initially running its loan portfolio with its own shareholders' capital. The firm has since engaged with the capital markets, utilizing decentralized finance (DeFi) platforms to secure funding and expand its credit portfolio. In late 2023, it raised R$40 million through a debenture issuance on the Credix platform and followed with a R$15 million capital raise via tokenized debentures in early 2024. Over its history, Credmei has disbursed more than R$1 billion in credit.

Keywords: receivables anticipation, SME financing, fintech Brazil, credit for businesses, digital lending, securitization, agricultural finance, decentralized finance, asset-backed securities, credit analysis, working capital solutions, supply chain finance, Guilherme Ribeiro, Uberlândia fintech, debt financing, tokenization, private credit, B2B lending, financial services, corporate credit