Plific
Credit access for gig economy workers.
| Date | Investors | Amount | Round |
|---|---|---|---|
| investor | €0.0 | round | |
N/A | - | ||
| Total Funding | 000k | ||
Founded in Brazil in 2021, Plific is a fintech company dedicated to improving credit access for independent workers in the gig economy. The company addresses the financial exclusion of individuals who are often overlooked by traditional credit algorithms due to the volatile nature of their income.
Plific's core service involves generating a credit history using alternative data points derived from a worker's job performance and earnings patterns on gig platforms like iFood and Rappi. This model allows for a more accurate assessment of repayment capacity for workers who lack a formal banking or credit history. By leveraging non-traditional data, the company provides a more inclusive and representative financial portrait of this growing workforce segment.
The business operates in the expanding market of financial services tailored for gig workers, a demographic that often struggles to secure loans from conventional lenders despite having steady, albeit unconventional, income streams. The company's mission is to offer financial products to this underserved population, enabling them to build a credible financial record.
Keywords: gig economy finance, credit access, alternative data, credit scoring, financial inclusion, fintech, independent workers, credit history, loan access, income-based lending, gig worker loans, financial services, Brazil fintech, alternative credit scoring, worker data, platform economy, unbanked, underbanked, gig work, creditworthiness