FinTech of the Day

Bull – AI-driven fintech

Dmitry Prostov

08 Nov 2025 — 1 min read

Payroll loans don't have to be a bank's game.

Bull is a Brazilian startup that lets any company offer white‑label payroll loans to its employees or customers.

Employers plug Bull's platform into their payroll and instantly turn salary advances into a revenue stream, keeping interest rates fair.

The startup has raised $1.8M in pre-seed financing led by Canary, with Scale Up Ventures and Endeavor participating. It's headed by Juliana Freitas and José Pires Neto, the duo who previously built and sold FortBrasil.

Bull's business model takes a cut of interest and platform fees while handling origination, credit scoring, and collection. In Brazil, where payroll loans account for a significant share of consumer credit, giving merchants the tools to lend could reshape the market. Would you trust your employer more than a bank when borrowing money?

#fintechoftheday #credittech #Brazil #payrollloans

Photo: Startups

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