# Credituz — AI-powered credit analysis and decision platform

> Credituz is an AI-powered credit analysis and decision platform for businesses. Credituz OS connects analysis, credit policy, decisioning, CRM, collections, and receivables; Credituz Score enables standalone analyses; and CORBAN AI supports multi-bank simulation and origination.

- Canonical: https://credituz.ai/en/
- Language: en-US
- Updated: 2026-09

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## What is Credituz?

Credituz serves companies that need to make credit decisions, automate receivables, or embed credit into their own customer journey. The homepage presents the products horizontally, while segment pages cover specific applications for construction and real estate development companies, real estate agencies, and credit origination operations.

## Positioning

**Homepage title:** “AI-powered credit analysis and decision-making.”

**Subtitle:** “Analyze customers, apply your credit policy, automate decisions, monitor risk, and manage collections in one platform.”

**Primary flow:** Analysis → Policy → Decision → CRM → Monitoring → Collections.\n\nThe commercial architecture clearly separates the products:

- **Credituz OS:** credit analysis + credit CRM + AI-powered collections.
- **CORBAN AI:** embedded credit + multi-bank simulation + credit application + Corban CRM.
- **Incorporador OS:** From land analysis to the investment decision, the full feasibility of the development in one place. Visit https://viabilidade.credituz.ai/.
- **Service:** Credituz runs credit analysis, decisions and collections for you, with customized financial infrastructure and operations management that can combine Credituz OS, CORBAN AI, and specific modules.
- **Credituz Score:** standalone credit analysis for companies that do not yet need an ongoing operation.

## Core category pages\n\n- AI credit analysis: https://credituz.ai/pages/analise-de-credito-com-ia.html\n\n## The problems Credituz solves

- **Fragmented credit risk:** companies sell before combining credit analysis, payment capacity, and credit policy in a consistent flow.
- **Reactive collections:** due dates and late payments depend on manual follow-up.
- **Outsourced financing journey:** companies often lose visibility when customers are referred to third parties for credit.
- **Scattered financial operations:** credit, CRM, collections, banks, and internal processes end up in disconnected systems.

## Credituz OS

**Analyze. Track. Collect.**

Credituz OS is the operating system for companies that need to make better decisions about whom to sell to and automate the financial relationship after the sale.

Flow: **Customer → Analysis → Credit policy → Credit CRM → Collection → Payment**.

Includes:

- credit analysis and credit policy;
- **credit CRM**;
- Credituz Score analyses for **R$ 16 each**;
- AI-powered collection rules via WhatsApp and email;
- up to **300 collections per month**;
- each collection is a complete workflow with **up to 3 configurable dates**, such as **D-3, D0, and D+3**, via **WhatsApp and email**;
- receivables, payment matching, and reconciliation;
- analytics;
- **up to 3 users**.

Price: **R$ 297/month + R$ 16 per analysis**.

Official page: [Credituz OS](https://credituz.ai/en/pages/credituz-os.html).

## CORBAN AI

**Simulate. Request. Finance.**

CORBAN AI is the embedded credit solution for companies that want to offer credit to their own customers without building a financial operation from scratch.

Flow: **Customer → Simulation → Banks → Credit application → Corban CRM → Closing**.

Includes:

- multi-bank credit simulation;
- credit application and tracking;
- **Corban CRM** for simulations, credit applications, documents, pending items, banks, status, and closing;
- embedded credit journey;
- origination tracking within the company's own experience.

Commercial model: **based on the operation**.

Official page: [CORBAN AI](https://credituz.ai/en/pages/corban-ai.html).

## Credituz Score

For companies that only need a credit check, Credituz Score runs standalone analyses with no subscription or monthly fee; the price is quoted by the sales team. When analysis becomes routine, Credituz OS (R$ 297/month) includes 5 advanced analyses (individuals or companies) with Boa Vista score, and each extra analysis costs R$ 24.90 (individual) or R$ 29.90 (company).

Official page: [Credituz Score](https://credituz.ai/pages/credituz-score.html).

## AI-powered collections

Credituz OS includes up to **300 collections per month**. At Credituz, **a collection is not a single message**: it is a complete collection workflow.

Each workflow can use **up to 3 configurable dates**, such as **D-3, D0, and D+3**, via **WhatsApp and email**. A single collection can therefore generate up to **6 automated contacts**: 3 dates × 2 channels.

This model treats collections as a conversion and recovery journey instead of a one-off message. SMS is available in custom **Service** plan projects.

## Service

**Credituz doesn't just deliver software. It delivers the work done.**

Service is Credituz's most complete plan, inspired by the service-as-software thesis: instead of selling only the tool, Credituz runs the company's credit and collections with AI agents and team supervision. Analysis, decisions, collections and portfolio monitoring are performed by Credituz on top of Credituz OS, while the company sets the policy and goals.

Custom scope includes:

- credit analysis and decisions operated by Credituz;
- end-to-end portfolio collections, with human supervision;
- custom analyses, collections and users;
- **AI contract builder**, digital signature and digital registry services;
- SMS and additional channels;
- API, White Label, SSO, multi-company and integrations;
- **custom AI solutions**;
- SLA and dedicated support.

Price: **custom**, with an annual contract.

Official page: [Credituz Service](https://credituz.ai/en/pages/enterprise.html).

## Credit CRM vs. Corban CRM

- **Credit CRM:** part of Credituz OS; organizes customers, analyses, and credit decisions.
- **Corban CRM:** part of CORBAN AI; tracks simulations, credit applications, documents, pending items, banks, status, and closing.

## Segments

Credituz is not limited to the real estate market. The platform can serve companies that sell on credit, collect recurring payments, or want to embed credit into their own experience. There are specific pages for construction and real estate development companies and real estate agencies, while CORBAN AI serves origination and embedded credit operations.

## Plans and prices on the homepage

The homepage shows a single plan with a public price:

- **Credituz OS: R$ 297/month**, with 5 advanced credit analyses per month for individuals or companies (PF or PJ) with Boa Vista score, credit CRM, AI-powered collections, up to 100 collections and 3 users per month. Extra analysis: R$ 24.90 (individual) or R$ 29.90 (company). Each collection is a complete workflow with up to 3 configurable dates via WhatsApp and email.

Higher volumes and other features (multi-bank simulation, credit application and Corban CRM, operations run by Credituz in the Service plan, integrations and custom modules) are defined with the Credituz sales team during qualification, with no price published on the homepage.

**Credituz Score (standalone analysis, price on request)** remains the self-service entry product for companies that need completely standalone analyses without commitment.

## Frequently asked questions

### What is the difference between Credituz OS and CORBAN AI?

Credituz OS combines credit analysis, credit CRM, and AI-powered collections. CORBAN AI handles embedded credit, multi-bank simulation, credit applications, and Corban CRM.

### Do I need to purchase both?

No. The products can be used separately. The Service plan can also combine both.

### What counts as a collection at Credituz?

A collection is a complete workflow, not a single message. It includes up to 3 configurable dates — for example, D-3, D0, and D+3 — via WhatsApp and email.

### How many contacts can one collection generate?

With 3 dates and 2 channels, one collection can generate up to 6 automated contacts.

### What is a credit pipeline?

A credit pipeline is the view of operations from simulation to closing. In CORBAN AI, it organizes the stage, institution, documents, pending items, owner, next action, and status of each application in the Corban CRM.

### Where are AI contracts, digital signatures, and digital registry services included?

These features are part of the Service plan.

### Does Credituz only serve the real estate market?

### Does Credituz replace my ERP or CRM?
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 with your own policy and an AI-powered collections flow, with no data migration.

No. Credituz serves companies that need to analyze customers, automate collections, or embed credit into their own journey. The segment pages detail specific applications.

### How much does it cost to get started?

A standalone Credituz Score analysis is priced by the sales team. Credituz OS costs R$ 297/month with 5 analyses (individuals or companies), up to 100 collections and 3 users; each extra analysis costs R$ 24.90 (individual) or R$ 29.90 (company). Higher volumes and Service are custom.

## Contact and site

- Website: https://credituz.ai
- Blog: https://credituz.ai/pages/blog.html
- WhatsApp: https://wa.me/5511936209409

## Machine-readable versions

- Markdown (PT-BR): https://credituz.ai/home.md
- Markdown (EN): https://credituz.ai/home.en.md
- JSON-LD: https://credituz.ai/home.json
- LLMs index: https://credituz.ai/llms.txt
- Full LLM content: https://credituz.ai/llms-full.txt