html Credituz | AI-Powered Credit Analysis and Decision-Making Platform
AI-native

Native AI-powered financial system

Credit analysis and decision-making using AI.

Analyze customers, apply your credit policy, automate decisions, monitor risk, and manage your portfolio—all in a single product—with Credituz OS.

Explore AI-powered credit analysis →

Start with Credituz OS Apply for Credit Talk to an expert
Credit Analysis · Credit CRM · AI-Powered Collections · Embedded Credit for ATMs
Credituz OS open on the MacBook, on the credit analysis screen
The country's largest institutionsSimulate and apply for credit in just a few seconds
R$ 300 millionin requested credit
+100Customers Growing with the Credituz

Valore Group · NJS Engineering · Bilha Real Estate and other businesses that already use Credituz for sales and billing

The problem

The sale is happening. The risk and the work begin afterward.

Companies still analyze credit in a fragmented manner, track customers through parallel systems, collect payments reactively, and miss the opportunity when a customer needs financing.

01

You sell before you understand the risk.

Without a consistent analysis, delinquency can begin with an incorrect approval. Credit scores, income, repayment ability, and credit policy must all be factored into the decision-making process.

Credituz OS
02

Billing depends on your team.

Payments, late payments, and follow-ups shouldn't depend on someone remembering to collect them. The larger the portfolio, the higher the operational cost of doing this manually.

Credituz OS
03

Your customer needs credit, and you turn them away.

When the process is routed to a bank or an external service provider, your company loses visibility into the request and leaves the experience in the hands of a third party.

CORBAN AI
04

Your financial operations are scattered.

Credit, CRM, collections, banks, and internal processes end up running on different systems. Larger operations need an infrastructure that adapts to the business.

Enterprise
Credituz OS analyzes and collects payments. CORBAN AI provides financing. Enterprise customizes and connects.
Products

Products for Make better decisions, secure funding, and collect payments more effectively.

From the ground up to the financial transaction: use Incorporador OS to decide where to invest, Credituz OS to analyze risk and get the best returns, and CORBAN AI to integrate credit into the customer journey.

Credituz OSR$ 297/month

Analyze. Monitor. Cover.

The operating system for companies that need to make better decisions about whom to sell to and automate post-sale financial relationships.

Client→Analysis→Politics→Credit CRM→Billing→Receipt
  • Credit Analysis and Credit Policy
  • Credit CRM
  • Credituz Score by R$ 16 per analysis
  • AI-powered billing rules in WhatsApp and email
  • Up to 300 charges per month
  • 1 billing cycle = a schedule with up to 3 dates in WhatsApp and an email
  • Accounts Receivable, Write-offs, and Reconciliation
  • Analytics
  • Up to 3 users
Start with Credituz OS View details, scope, and frequently asked questions →
CORBAN AIModel based on the operation

Simulate. Apply. Finance.

Embedded credit for companies that want to offer credit to their own customers without building a financial operation from scratch.

Client→Simulation→Banks→Order→Corban CRM→Hiring
  • ATM Loan Simulation
  • Credit Application and Follow-up
  • Corban CRM for simulations, orders, documents, pending items, and statuses
  • Embedded Credit Day
  • Credit origination within your company's operations
Get to Know CORBAN AI View details, schedule, and frequently asked questions →
Incorporador OSReal Estate Feasibility Study

From site analysis to the investment decision, everything you need to assess the project's feasibility in one place.

Simulate scenarios, analyze VGV, margin, IRR, cash flow, capital exposure, and profit distribution with calculation history and decision-making intelligence.

Land→Feasibility→Scenarios→Decision
  • VGV, margin, IRR, NPV, and cash exposure
  • Scenarios and Sensitivity Analysis
  • Capital Structure and Distribution of Earnings
  • Cost Estimate and Feasibility Report
Get to Know Incorporador OS Plans, prices, and full features can be found on the product page.
Illustrative screen of the Incorporador OS with a distribution cascade and member returns
Incorporador OS helps you decide where to invest.Credituz OS handles risk management and collections.CORBAN AI handles loan origination.
Ecosystem Credituz

Technology for the entire real estate journey.

From land analysis to receipt of the final installment, Credituz integrates feasibility, credit, financing, and collections into a single ecosystem.

Land→Feasibility→Sale→Credit Analysis→Financing→Billing and Accounts Receivable
Credituz Score

All you need to do is Evaluate a client?

Get a one-time analysis with no subscription and no monthly fee. Use it whenever you need it, and upgrade to Credituz OS once the analysis becomes part of your routine.

R$ 27.70/ análise

Credit score, risk indicators, estimated income, ability to pay, restrictions, default notices, lawsuits, and other data available in the report.

Conduct an analysis
When does the OS start to pay off?
30analyses/month
Individual scoreR$ 831.00
Credituz OSR$ 777.00
DifferenceR$ 54.00

With 30 screenings, the plan is already saving money R$ 54.00/month and also includes the other modules of the Credituz.

Starting at 26 tests per month—including the monthly fee and consultations—the Credituz OS is already cheaper than buying all the tests individually.
AI-Powered Billing

Charging should not depend on if anyone remembers.

Set up the workflow and let Credituz automatically follow up with contacts via WhatsApp and email. You can use a rule such as D-3, D0, and D+3, or specify exactly when each follow-up should take place.

Configuration Example
D-3→D0→D+3→New follow-ups
WhatsAppEmailUp to 300 billings per monthUp to 3 dates per billing cycleCustom SMS on Enterprise
Automate billing
Enterprise

Set up the financial infrastructure and the operational management that your company needs.

Combine Credituz OS, CORBAN AI, and specific features into a solution designed for your operation, with integrations, automations, and customized AI-powered solutions.

Core Products

Start with the right infrastructure.

  • Credituz OS
  • CORBAN AI
  • Credituz OS + CORBAN AI
  • Custom users and volumes
Specific modules

Add whatever the operation requires.

  • AI Contract Builder
  • Digital signature
  • Digital Notary Services
  • SMS and Additional Channels
  • Customized Policies and Workflows
Customization

Integrate and automate your model.

  • API and Specific Integrations
  • White Label and SSO
  • Multi-company
  • Custom AI Solutions
  • SLA and Dedicated Support
When your company's processes don't fit within off-the-shelf software, we tailor the Credituz infrastructure to your operations. Learn about the Enterprise scope →Design a solution Enterprise
Segments

An infrastructure. Different business models.

The homepage displays products in a horizontal layout. The segment pages provide more in-depth information on the specific customer journeys and needs of each market.

Real Estate Market

Construction companies and real estate developers

Buyer analysis, collections, credit, and specific phases of a real estate transaction.

See solution → Real Estate Market

Real Estate Agencies

Buyer and tenant analysis, CRM, billing, and financing.

See solution → Credit

Correspondents and originators

ATM simulation, orders, Corban CRM, and origination tracking.

Learn about CORBAN AI → Other sectors

Companies that offer installment plans or charge recurring fees

Credit analysis, credit CRM, and collections using AI, without relying on a specific industry.

Learn about Credituz OS →
Application by segment

Vertical depth without limiting the platform.

The industry-specific pages show how the same infrastructure adapts to specific projects. In the real estate market, NJS Engenharia is already using Credituz to gain operational control.

“We’ve moved from a situation of poor control to the full control of our portfolio. “Today we know exactly the status of each unit, each contract, and each transfer.”
Adson SoaresDevelopment Manager · NJS Engineering
View the full case →
Prices

Choose the infrastructure that the operation you need.

Credituz OS and CORBAN AI are standalone products. Enterprise combines products and modules based on the company’s needs.

Analytics + CRM + Billing

Credituz OS

R$ 297/mês + R$ 16 por análise

For companies that need to make better decisions about who to sell to and automate their billing.

  • Credit Analysis
  • Credit CRM
  • Credituz Score for R$ 16
  • AI-Powered Billing via WhatsApp and Email
  • Up to 300 charges per month
  • 1 billing cycle = a schedule with up to 3 dates in WhatsApp and an email
  • Accounts Receivable, Write-offs, and Reconciliation
  • Analytics
  • Up to 3 users
Get Started Now
Embedded credit

CORBAN AI

Business Modeldepending on the operation

For companies that want to offer credit to their own customers.

  • ATM Simulation
  • Credit Application
  • Corban CRM
  • Documents, Pending Items, and Status
  • Embedded credit
  • Tracking of Origination
Talk to Sales
Customized Infrastructure

Enterprise

Custom-madeannual contract

Set up the financial infrastructure and operational management your company needs.

  • Credituz OS and/or CORBAN AI
  • Custom users and volumes
  • AI Contract Builder
  • Digital signature
  • Digital Notary Office
  • SMS
  • API, White Label, and SSO
  • Multi-company and integrations
  • Custom AI Solutions
  • SLA and Dedicated Support
Talk to an expert
Do you just need an appointment? Credituz Score costs R$ 27.70 per analysis, with no monthly fee. Perform an analysis →
Frequently Asked Questions

Understand how the products fit together.

Credituz OS combines credit analysis, credit CRM, and collections with AI. CORBAN AI is the embedded credit solution for simulating, applying for, and tracking multi-bank credit, featuring its own Corban CRM.

No. Credituz OS and CORBAN AI can be contracted based on operational needs. In Enterprise, they can also be combined.

The credit CRM belongs to Credituz OS and organizes customers, analyses, and credit decisions. The Corban CRM belongs to CORBAN AI and tracks simulations, credit applications, documents, pending items, banks, statuses, and contract signings.

These features are now part of the Enterprise solutions and can be combined with Credituz OS, CORBAN AI, integrations, and specific workflows.

Yes. The Enterprise is the most customizable layer of the Credituz: you can combine products, modules, users, volumes, integrations, APIs, white-label features, SSO, and AI-specific solutions.

No. Credituz can serve businesses that need to analyze customers, automate billing, or incorporate credit into their own operations. The real estate market continues to have dedicated pages tailored to its needs.

A single analysis on Credituz Score costs R$ 27.70. Credituz OS costs R$ 297/month plus R$ 16 per analysis, for up to 3 users. CORBAN AI has a business model based on the operation, and Enterprise is custom-tailored.

Your financial operation may work better.

Gain deeper insights, process payments automatically, and enhance your customers' experience with Credituz's infrastructure.

Start with Credituz OSTalking about CORBAN AI or Enterprise →
Contact Us