Finpass

Finpass is a Brazilian financial technology company that operates the country's largest credit marketplace for small and medium-sized enterprises (SMEs). Founded in 2014 by Dan Cohen and formerly known as f(x), the company is headquartered in São Paulo, Brazil. Finpass aims to simplify and democratize access to credit for entrepreneurs by eliminating bureaucracy through its technology-driven solutions.

The company's core product is a digital platform that uses proprietary matching technology and artificial intelligence to connect businesses seeking financing with a network of over 400 lenders, including medium-sized banks, investment funds (FIDCs), and other fintechs. This allows SMEs to register once and receive personalized credit offers from multiple institutions, making the process of finding ideal financing more efficient. The platform offers various credit lines, such as unsecured loans, accounts receivable financing, and loans secured by real estate or vehicles. Initially focused on larger companies, Finpass shifted its focus to SMEs with annual revenues between R$500,000 and R$100 million.

Finpass generates revenue through its marketplace and also by offering its platform as a white-label solution to large corporations like Ambev and Minerva Foods, enabling them to provide credit to their own partners, clients, and suppliers. The company has processed over R$1 billion in transactions and serves a base of more than 150,000 registered companies. Finpass has received venture capital backing from investors including BTG Pactual, Igah Ventures, and Provence Partners.

Keywords: SME financing, credit marketplace, Brazilian fintech, corporate credit, debt financing, financial technology, AI-powered lending, business loans, working capital, accounts receivable financing, secured loans, white-label fintech, Dan Cohen, f(x), BTG Pactual, Igah Ventures, São Paulo, small and medium enterprises, credit analysis, loan origination