Pague Bem Brasil
Creating credit protection and collection solutions so that companies can maintain or recover their financial health.
| Date | Investors | Amount | Round |
|---|---|---|---|
| investor | €0.0 | round | |
* | N/A | - | |
| Total Funding | 000k | ||
| USD | 2022 | 2023 |
|---|---|---|
| Revenues | 0000 | 0000 |
| % growth | - | 17 % |
| EBITDA | 0000 | 0000 |
| Profit | 0000 | 0000 |
| EV | 0000 | 0000 |
| EV / revenue | 00.0x | 00.0x |
| EV / EBITDA | 00.0x | 00.0x |
| R&D budget | 0000 | 0000 |
Source: Dealroom estimates
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Pague Bem Brasil operates as a financial technology firm specializing in cash management and digital solutions aimed at mitigating and controlling client default rates. Established in 2013 by founder and CEO Álvaro Leal, the company originated from the founder's own entrepreneurial challenges with payment delinquency. The firm is headquartered in Recife, a significant technology hub in Brazil, and has gained traction in the market, notably after participating in an acceleration program with the CESAR Institute.
The company's core offering is a comprehensive B2B software-as-a-service (SaaS) platform designed to digitize and automate the entire collections process for its clients. Instead of acting as a traditional third-party collection agency, Pague Bem Brasil provides the technological infrastructure for businesses to manage their own receivables more efficiently. The platform integrates various functionalities into a single hub, including a financial CRM for tracking customer history, a multi-channel communication system that automates reminders and negotiations via WhatsApp, SMS, email, and voice, and customizable collection workflows ("réguas de cobrança"). This approach empowers clients to reduce reliance on costly collection agencies and improve cash flow by resolving overdue payments more effectively.
The business model is centered on providing this integrated platform to corporate clients, ranging from educational institutions like Grupo Adventista to business support organizations such as Sebrae/PE. A significant enhancement to its service came from a partnership with iugu, which embedded payment processing solutions directly into the platform. This allows end-customers to settle their debts immediately through various methods like Pix and bank slips, a feature that reportedly increased client retention by 90%. The platform's value proposition lies in its ability to reduce collection costs, increase payment conversion rates through automation and multi-channel reach, and provide data-driven dashboards for strategic financial decision-making.
Keywords: accounts receivable management, debt collection software, financial technology, B2B SaaS, payment delinquency, cash management, automated collections, financial CRM, multi-channel communication, payment gateway integration, default prevention, receivables management, fintech Brazil, Recife startups, Álvaro Leal, CESAR Ventures, iugu partner, collection automation, credit management, financial services