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What is it? Credit as a Service is a business model that allows financial institutions, fintechs, and other companies to offer credit products to their customers through a digital platform or via API. Benefits of the Model: Accessibility and Convenience: Access to credit products in a practical way, without the need for bureaucratic processes from the comfort of home. Agility: Faster processes and an easier contracting journey. Cost Reduction: This model reduces operational costs associated with processing and managing credit requests. How It Works: At BMP, this model can be offered by fintechs and even non-banking companies, which become our banking correspondents. Our purpose is to provide our partners with personalized and complete credit products and services for their entire network of relationships, in a simpler, more accessible, agile, and personalized manner. We create a complete credit pipeline with you, from onboarding to contract management, according to your business model. Among the available features, we can mention:
  • Onboarding: Quickly and efficiently onboard new clients with automated processes for identity verification and credit analysis.
  • Simulations: Allow your customers to perform real-time credit simulations, adjusting terms, amounts, and conditions to find the best option.
  • Contracting: Facilitate the credit contracting process, with automatic generation of documents and contracts.
  • Generation of CCB: Automatically generate Bank Credit Notes, simplifying the formalization of credit.
  • Signature: Facilitate the signing of digital contracts, with secure validation and compliance with legal regulations.
  • Payment: Integrate payment solutions for installment settlements, offering flexible and secure options for customers.
  • Contract Management: Manage credit contracts in an integrated and efficient manner, tracking payments, due dates, and potential defaults.
Value Proposition We leverage your network (clients, suppliers, partners) to offer credit services in a simple and agile manner, promoting increased sales, generating new revenue streams, and expanding your product portfolio. Based on the relationship with your network, we enable access to quality credit, reducing costs and regulatory risks while enhancing your operational efficiency. We build a secure credit contracting journey for both parties, thereby expanding and retaining your customer base, strengthening competitiveness in relation to the market and your competitors. Our Differentiator Through our highly customizable platform via APIs, we offer various financial services, delivering customizable White Label solutions for all credit modalities. Our sales team is prepared to provide personalized consulting with the credit, collection, and legal teams in the process of building the ideal product for your business model. We also promote the management of the credit and collection desk, proprietary funding for specific credit lines, and an environment with multiple layers of advanced cybersecurity technologies to protect processes, data, and financial resources. Security and Compliance: The platforms have high levels of security and regulatory compliance, protecting customer data and ensuring that all operations adhere to current regulations.
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