html Credituz | AI-Powered Credit Analysis and Decision-Making Platform
AI-native

Native AI-powered financial system

Credit analysis and decision-making using AI.

Analyze customers, apply your credit policy, automate decisions, monitor risk, and manage your portfolio—all in a single product—with Credituz OS.

Explore AI-powered credit analysis →

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Credit Analysis · Credit CRM · AI-Powered Collections · Embedded Credit for ATMs
Credituz OS open on the MacBook, on the credit analysis screen
Connected to the country's largest financial institutionsto simulate and apply for credit in just a few seconds
+100users growing with Credituz

NJS Engineering · Bilha Real Estate and other businesses that already use Credituz for sales and billing

The problem

The sale is happening. The risk and the work begin afterward.

Companies still analyze credit in a fragmented manner, track customers through parallel systems, collect payments reactively, and miss the opportunity when a customer needs financing.

01

You sell before you understand the risk.

Without a consistent analysis, delinquency can begin with an incorrect approval. Credit scores, income, repayment ability, and credit policy must all be factored into the decision-making process.

Credituz OS
02

Billing depends on your team.

Payments, late payments, and follow-ups shouldn't depend on someone remembering to collect them. The larger the portfolio, the higher the operational cost of doing this manually.

Credituz OS
03

Your customer needs credit, and you turn them away.

When the process is routed to a bank or an external service provider, your company loses visibility into the request and leaves the experience in the hands of a third party.

Under discussion with the team
04

The financial operation is taking a toll on your team.

Analyzing, making decisions, collecting payments, and tracking transfers requires dedicated people. The larger the portfolio, the more time your team spends handling administrative tasks instead of selling.

Under discussion with the team
Credituz OS reviews and processes payments. Financing is provided by Multibanco, and the transaction is handled by Credituz, in consultation with our team.
Product

Credituz OS: Credit and collections in a single system.

Credituz OS brings together credit analysis, policy management, CRM, AI-powered collections, and accounts receivable in one place. Your team decides who to sell to, monitors portfolio risk, and gets paid on time—without spreadsheets or parallel systems.

01

Credit Analysis

Credit score, estimated income, payment capacity, restrictions, delinquencies, and lawsuits—all in a single report per customer, ready in seconds.

02

Policy and Automated Decision-Making

Set up your approval rules once. The system applies the policy during each review and records the reason for each decision.

03

Credit CRM

Customers, analyses, decisions, and pending items organized in a single funnel, with a complete history and designated responsible parties.

04

AI-Powered Billing

Automatic billing via WhatsApp and email, before and after the due date. Billing occurs without anyone having to remind you.

05

Accounts Receivable and Analytics

Payroll, payroll reconciliation, and portfolio overview: who paid, who was late, what’s coming in this month, and where risk is increasing.

06

Embedded credit

ATM simulation, credit applications, and Corban CRM to offer financing as part of your company’s daily operations.

Under discussion with the team
Start with Credituz OSGet an inside look at Credituz OS →
Ecosystem Credituz

Technology for the entire real estate journey.

From land analysis to receipt of the final installment, Credituz integrates feasibility, credit, financing, and collections into a single ecosystem.

Land→Feasibility→Sale→Credit Analysis→Financing→Billing and Accounts Receivable
Credituz Score

All you need to do is Evaluate a client?

Get a one-time analysis with no subscription or monthly fee—the price will be provided by the sales team. Once the analysis becomes a routine part of your workflow, upgrade to Credituz OS.

Pendingwith the sales team

Credit score, risk indicators, estimated income, ability to pay, restrictions, default notices, lawsuits, and other data available in the report.

Get to Know the Credituz Score
Has analysis become routine?
5analyses/month on Credituz OS
Monthly planR$ 297
PF BonusR$ 24.90
Additional PJR$ 29.90

The 5 analyses included may be for individuals or legal entities and are Advanced analyses with score Boa Vista, with AI-powered credit and collections CRM included in the same plan.

Starting with the sixth analysis of the month, an additional fee for individuals or businesses will be charged on the invoice. Larger volumes are determined in consultation with the sales team.
AI-Powered Billing

Charging should not depend on if anyone remembers.

Set up the workflow and let Credituz automatically follow up with contacts via WhatsApp and email. You can use a rule such as D-3, D0, and D+3, or specify exactly when each follow-up should take place.

Configuration Example
D-3→D0→D+3→New follow-ups
WhatsAppEmail100 charges per month on the planUp to 3 dates per billing cycleSMS upon request
Automate billing
Service

The Credituz doesn't just provide the software. Turn in the completed assignment.

At Service, Credituz manages your credit and collections using AI agents and supervision from our team—covering analysis, decision-making, collections, and portfolio monitoring—all on an infrastructure tailored to your business. You set the policy and goals. We deliver the results.

Operation completed

We do the work.

  • Credit analysis and decision-making handled by Credituz
  • End-to-End Portfolio Collection
  • Tracking Pending Issues and Fund Transfers
  • Human oversight in cases requiring a judgment
  • Credituz OS as a base, with no fixed deductible
Specific modules

Add whatever the operation requires.

  • AI Contract Builder
  • Digital signature
  • Digital Notary Services
  • SMS and Additional Channels
  • Customized Policies and Workflows
Customization

Integrate and automate your model.

  • API and Specific Integrations
  • White Label and SSO
  • Multi-company
  • Custom AI Solutions
  • SLA and Dedicated Support
Instead of hiring more people to handle credit and collections, outsource the work. Learn about the scope of Service →Design My Service
Real Estate Sector

An infrastructure for the entire real estate industry.

Construction companies, developers, real estate agencies, and agents all use the same product to analyze clients, collect payments and rent, and track financing until funds are disbursed.

From issuance to transfer

Credit, collections, and financing for those who sell, rent, or build.

Buyer and tenant analysis with custom policies, credit CRM, AI-powered collection rules for installments and rent, accounts receivable, and—in consultation with the team—multi-bank simulations and tracking of loan origination within your company’s workflow.

Application by segment

Vertical depth without limiting the platform.

The industry-specific pages show how the same infrastructure adapts to specific projects. In the real estate market, NJS Engenharia is already using Credituz to gain operational control.

“We’ve moved from a situation of poor control to the full control of our portfolio. “Today we know exactly the status of each unit, each contract, and each transfer.”
Adson SoaresDevelopment Manager · NJS Engineering
View the full case →
Prices

A plan. Everything your business needs to get started.

Analytics, CRM, and billing powered by AI in a single Credituz OS plan, with analytics and billing included every month.

Analytics + CRM + Billing

Credituz OS

R$ 297/mês

For companies that need to make better decisions about who to sell to and automate their billing.

  • 5 advanced analyses per month, for individuals or businesses, with a score of Boa Vista
  • Additional analysis: Individual: R$ 24.90 · Business: R$ 29.90
  • Credit CRM
  • AI-Powered Billing via WhatsApp and Email
  • Up to 100 charges per month
  • 1 billing cycle = a schedule with up to 3 dates in WhatsApp and an email
  • Accounts Receivable, Write-offs, and Reconciliation
  • Analytics
  • Up to 3 users
Get Started Now
Do you need more storage or other features? ATM simulation, operations performed by Credituz, integrations, and other modules are defined in collaboration with our team. Talk to the team →
Do you just need an appointment? The Credituz Score offers individual tests with no monthly fee; prices are available upon request. Learn about the Credituz Score →
Frequently Asked Questions

Plans and Scalability from Credituz OS.

The Credituz OS plan (R$ 297/month) combines credit analysis, credit CRM, and AI-powered collections, with 5 individual or business credit analyses and 100 collections per month for up to 3 users. Higher volumes, multi-bank simulations, operations handled by Credituz, and other modules are arranged with our sales team.

The 5 included analyses can be for individuals (PF) or businesses (PJ) and are advanced analyses with an Boa Vista score. Starting with the sixth test, each additional test costs R$ 24.90 (individuals) or R$ 29.90 (businesses), charged on the monthly bill. Unused tests do not carry over to the following month. For larger volumes, our team will create a customized plan.

The credit CRM is part of Credituz OS and organizes customers, credit analyses, and credit decisions. The Corban CRM is implemented in consultation with the sales team and tracks simulations, credit applications, documents, pending items, banks, statuses, and contracts.

These features are available upon consultation with the sales team and can be combined with specific integrations and workflows.

This is the service model—in consultation with our team—where Credituz, in addition to providing the infrastructure, handles the work: analysis, decision-making, collections, and portfolio monitoring, all carried out by AI agents under the supervision of our team. It is based on Credituz OS and can be customized with modules, users, volumes, integrations, APIs, white-label options, SSO, and specific AI-powered solutions.

No. Credituz can serve businesses that need to analyze customers, automate billing, or incorporate credit into their own operations. The real estate market continues to have dedicated pages tailored to its needs.

No. Credituz is a partner solution: your ERP and CRM—such as Sienge, CV CRM, or HubSpot—remain your company’s management systems. Credituz connects to them via API to add credit analysis based on your own policies and AI-powered collection rules, without the need for data migration.

The one-time analysis on Credituz Score is available upon consultation with the sales team. The Credituz OS plan costs R$ 297/month and includes 5 analyses (individual or business) and 100 collections, for up to 3 users. Larger volumes and other features can be arranged with our team.

Your financial operation may work better.

Gain deeper insights, process payments automatically, and enhance your customers' experience with Credituz's infrastructure.

Start with Credituz OSTalk to the team about other features →
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