Evaluate the buyer before financing the down payment, run credit simulations with multiple banks, and monitor each transaction until the funds are disbursed. This results in less risk of contract termination, greater portfolio predictability, and a single view of the sale all the way through to the handover.
When a construction company allows the down payment to be paid in installments without conducting a proper credit check, it may bear the risk for months until it discovers that the buyer is unable to secure bank financing.
You paid the down payment in installments, received payments for two years, and when it came time for the transfer, the bank reviewed it according to its own criteria and denied it. The sale falls through at the end of the process, not at the beginning.
Money refunded, commission already paid, two years of development, and a unit that needs to be sold again—now that the project is more mature.
The buyer finalizes the loan with the bank manager. The origination fee—which is revenue—becomes someone else’s commission—and you lose control over the timeline of the sale itself.
Use your own policies, credit bureau data, payment capacity, and credit indicators to better select which borrowers to include in your portfolio. The final financing decision remains with the bank, but your operation provides the bank with much more context and control when the loan is disbursed.
Income, commitment, minimum down payment, and accepted profile—set by you and applied consistently to every sale, by any salesperson.
Credit scores, credit limits, and financial history are retrieved directly within the workflow—without leaving the platform or waiting for a response from a third party.
Verified income, household composition, and financial commitment are calculated on the spot to determine how much the buyer can actually afford.
Where every stage of your operation meets the platform.
Credituz OS supports analysis and billing; the ATM credit feature integrates simulations, applications, documents, pending items, and account status. Sales, back-office, and customer teams no longer have to rely on spreadsheets and scattered messages to know what to do next.
“We’ve gone from having little control to having complete control over our portfolio. Today, we know exactly the status of every unit, every contract, and every transfer.”
Adson Soares · Development Manager
Credituz OS analyzes and collects payments; Multibanco Credit handles loan origination; Service adds the operations performed by Credituz, contracts, integrations, and customized workflows.
Credituz OS applies its own policies and credit analysis. ATM credit, arranged through the sales team, includes a loan simulation, an ATM credit application, and tracking of the origination process in the Corban CRM.
Contracts using AI, digital signatures, and digital notary services can be included in Service Plan projects.
Units, reservations, the status of each contract, and availability by type—all in a single source—putting an end to the separate spreadsheets used by sales and administrative teams.
AI-powered billing schedule for down payment installments, with up to 100 billing events per month via Credituz OS; higher volumes available upon request. Each billing cycle includes up to 3 configurable due dates via WhatsApp and email, as well as payment slips, Pix, write-offs, and reconciliation. SMS is available through the Custom Service.
A portal on your own domain with a built-in credit module, Google Meu Negócio set up, and a credit CRM with unlimited contacts, connected to the sales CRM you already use.
Sales velocity, inventory by category, bank approval, delinquency, and cash flow forecast—all in plain language, without a confusing dashboard.
“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.”
Your ERP and CRM remain at the heart of your operations. Credituz is a partner solution that complements these systems with AI-powered credit analysis and billing rules, with read and write access via API. Account activated in 5 minutes; connection to your ERP within 24 hours.
Credit analysis with custom policies, credit CRM, collections, and accounts receivable management powered by AI. For R$ 297/month, the plan includes 5 individual or business credit analyses, up to 100 collections per month, and 3 users; additional analyses cost R$ 24.90 (individuals) or R$ 29.90 (businesses).
It is part of Credituz OS and adds multi-company support, contracts, subscriptions, digital notary services, fund transfers, White Label, API, SSO, and SLA.
For simulations, loan applications, and Corban CRM, learn more about the ATM Credit, with a business model tailored to the operation. View the complete list of plans →
Create your account and activate the platform in minutes, or speak with an expert for an assessment of your operations.