Evaluate the buyer, run simulations with multiple banks, apply for the loan, and monitor each step until the loan is approved. Your real estate agent sells the property and continues to oversee the financing process.
When the offer leaves the real estate agency and goes to a bank, correspondent, or partner, the real estate agent loses track of it. The client keeps asking questions—but the information is scattered.
The buyer walks away from the sale and 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 deal itself.
The tenant is approved either through the insurance company's screening process or by a guarantor who passes a visual inspection. If the tenant defaults on rent three months later, both you and the landlord are responsible for the overdue rent.
Rent collections are tracked in a spreadsheet and are only reviewed at month-end. Tenants who were late on the 5th are reminded on the 30th—and the payment to the landlord is delayed as well.
Evaluate the buyer before moving forward, organize the application, and track documents, pending issues, and the status of the financing. The final decision remains with the financial institution; your team maintains visibility into the entire process.
Minimum income, commitment, accepted collateral, and approved profile—written by you and applied the same way by any broker.
Credit scores, financial restrictions, and financial histories of the buyer and tenant, retrieved within the workflow without leaving the platform.
Verified income and financial commitment calculated on the spot—so you can see if you can afford the rent before signing the lease.
Where every stage of your operation meets the platform.
Credituz turns financing into a traceable journey: from simulation to contract signing, with status updates shared among sales, operations, and the customer.
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.
The tenant’s financial history and ability to pay are evaluated according to your criteria—a data-driven decision, rather than accepting a guarantor blindly or relying on an insurance company’s assessment.
AI-based contracts, digital signatures, digital notary services, renewals, and amendments can be included in Service Plan projects.
AI-powered billing system for rent and installments, with up to 100 billing transactions per month on 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, reconciliation, NFe, and transfers to the landlord. SMS is available as a custom Service option.
A portal hosted on a custom domain and integrations with CRM systems, channels, and other portals can be configured according to the scope of the Service.
Properties, owners, tenants, occupancy, transfers, and delinquencies—all on a single dashboard—providing natural-language answers to what’s vacant, what’s past due, and where the results are.
“Cost-effectiveness and efficiency in drafting contracts were paramount. What used to take hours It takes 15 minutes now, with fewer errors and greater traceability.”
Real-time, two-way synchronization with portals and the system your team already uses. Account activated in 5 minutes; full integration within 24 hours.
Delinquency begins before the first payment notice is issued. Use credit scores, credit policies, and risk indicators to assess tenants’ ability to pay and standardize the tenant approval process before signing the lease.
Review the credit score, restrictions, and financial indicators to help inform your decision before approving the lease.
Define criteria for income, commitment, and acceptable profile so that approval does not depend solely on the agent’s gut feeling.
After approval, set up a billing schedule, payment methods, and account write-offs/reconciliations.
Credit and lease analysis with custom policies, credit CRM, collections, and accounts receivable management powered by AI. For R$ 297/month, this 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, integrations, 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 in 5 minutes and try out the entire platform, or speak with an expert for an assessment of your portfolio.