FinTech of the Day

Altis – Lending platform for businesses

Dmitry Prostov

30 Dec 2025 — 1 min read

Imagine every car dealership or marketplace being able to offer its own financing without building a bank. That's what São Paulo‑based Altis makes possible. Its credit‑as‑a‑service platform lets merchants originate and manage loans using AI‑powered underwriting and a white‑label front end, turning merchants into lenders overnight.

Altis makes money by sharing in interest income and charging for its software. The team recently raised a R$50M ($10M) debt facility structured as an FIDC to fuel new loans.

More than 180 clients have already used Altis to originate over $2M of credit, and the founders expect to reach about R$300M ($60M) in volume within two years.

CEO Pedro De Paula and co‑founders Luiz Eduardo Bettega and Eduardo Renda previously built products at Kavak, Mercado Livre, and Creditas. Their goal is to turn every commerce journey into an embedded lending experience.

Could embedded lending be the next engine of Brazil's consumer economy?

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