FinTech of the Day

FlowCredi – Real estate-backed lending marketplace

Dmitry Prostov

04 Jan 2026 — 1 min read

Brazil's credit markets are notoriously expensive, but property can change that. FlowCredi is building a marketplace where homeowners and businesses can access loans backed by real estate at rates well below traditional lenders.

The platform connects borrowers directly with investors and handles origination, underwriting, and servicing. FlowCredi generates revenue from origination fees and a take on each loan.

The company just raised a $650k pre‑seed round led by Verve Capital and Norte Ventures.

The founders, Caio Alfano Carra and Deivid Bastos, plan to expand the team and launch new products to broaden the marketplace. It's early days, but bringing property‑backed credit online could unlock a huge segment of Brazil's R$10 trillion real‑estate market.

Could peer‑to‑peer mortgages make credit more affordable in Latin America?

#fintechoftheday #proptech #Brazil

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