Have you noticed Lend Garantias as receivables holder?
Check here if you have any open debts with anyone of our partners.
More credit,
less risk
Avoid default by using merchants' card receivables as collateral.Authorized institution
Scalable access to the best collateral class available in Brazil
We enable any company to use the credit and debit card receivables flows of their customers as warranty for payments. An all-in-one solution to allow creditors to use the US$700+ billion in yearly card payments to prevent default and improve debtor recovery.
Solutions
Credit Recovery
Use your debtor's card receivables to collect default. The fastest and most efficient way to recover outstanding debt and generate renegotiations - without the need to offer discounts.
Automatic Warranty
Turn card receivables into collateral in any commercial or financial credit transaction. When the debtor fails to make payment as expected, the warranty is automatically triggered, and the captured amounts are sent to the account of your choice.
Collect with Receivables
Use future receivables as the main form of collection for any kind of credit transaction. The liens are launched at the time of the grant following the agreed upon schedule of payments, guaranteeing priority over the debtor's receivables. The safest way to guarantee payments.
Credit analysis
Use data about card payment flows to understand the real payment capacity of your clients and assess credit risk with more certainty.
Receivables Advancements
Use our platform to access your clients' receivables schedules and make offers for payment advancements. The easiest way to enter the card receivables advancements market - no need to set up a sub-acquirer.
Credit Contracts (CCBs)
Issue Credit Contracts underwritten by our Financial Institution, manage contract signatures and transfers to your funding structure. All in a simple and scalable way.
Suitable for:
Financial Institutions
Fintechs
Debt Funds (FIDCs)
Securitizers
Collections Agencies
CPGs
B2B Marketplaces
Commercial Property Owners
Utilities Companies
A new way to solve delinquency
A new way to solve delinquency
Lend takes advantage of recent regulatory changes to create the best alternative for credit recovery in Brazil: an enforceable solution as strong as a lawsuit, but with a solution that takes only days - instead of years.
Avoid default and improve profits
Contact us and see how easy it is to give credit more securely and reduce default with Lend.