4UM Investimentos

CredAluga is a Brazilian B2B2C fintech company that specializes in providing innovative financial solutions for the real estate sector. It partners with real estate agencies, offering technology-driven, credit-based services that aim to make renting more accessible and secure for tenants while empowering landlords and agencies. With offices in São Paulo and Minas Gerais, and local partners nationwide, CredAluga combines expertise in technology, credit, and real estate to deliver seamless rental experiences. Founded by experienced entrepreneurs, the company is growing rapidly and is driven by a multidisciplinary team committed to its mission.

Giro.Tech is a financial technology company based in Brazil that specializes in Banking as a Service. It provides a platform designed to enable startups and non-financial companies to establish their own banking operations. By offering customized financing options and streamlined credit operations, Giro.Tech aims to transform its clients into credit fintechs. Its services focus on enhancing financial efficiency by reducing bureaucracy and simplifying transactions within its ecosystem, thereby facilitating better management of accounts for its users and customers.

Finanex is a finance platform dedicated to providing digital trade finance solutions to small and medium-sized agribusinesses in Latin America. Its primary focus is on supporting underserved food exporters who are engaged in international shipping. The company aims to enhance the export capacity of these agribusinesses while fostering sustainable development in rural communities. By offering personalized financial services that address the challenges of agriculture and production, Finanex facilitates same-day funding and helps clients navigate the complexities of global trade. Through its mission, Finanex seeks to increase export volumes to countries facing food deficits, thereby generating a positive impact on both local economies and the broader agricultural sector.

Teva Indices is a provider of indices specifically tailored for the Brazilian exchange-traded fund (ETF) market. The company develops a financial platform that focuses on delivering comprehensive and reliable solutions for indexed investments. By employing advanced mathematical and statistical models alongside thorough investment analyses, Teva Indices creates a foundation for passive management in portfolio construction. This approach enables clients to align their values and objectives with their investment decisions, resulting in indices that are accurate, replicable, and suited to market conditions.

Makasí is a company that transforms the housing finance and construction industry by providing a comprehensive platform for designing, financing, and building homes. It specializes in addressing the challenges associated with securing loans from traditional financial institutions, offering a streamlined approach to home financing. By partnering with various institutions, Makasí assists customers in obtaining necessary funding and managing credit more effectively. This enables clients to build their own homes more efficiently while utilizing low-risk collateral, thereby facilitating a quicker and less complicated construction process. Through its innovative solutions, Makasí aims to simplify the experience of homeownership for its clients.

Transfeera is an open banking platform established in March 2016 by former ContaAzul employees Guilherme Verdasca, Rafael Negherbon, and Fernando Nunes. The company aims to simplify and automate payments for both businesses and individuals, facilitating a secure and efficient way to make and receive transactions. By streamlining financial routines, Transfeera helps users reduce errors and operational efforts that can lead to unnecessary expenses. Additionally, its platform is designed to minimize the costs associated with traditional bank transfers, such as TEDs and DOCs, ultimately enabling customers to save time, money, and improve their cash flow.

Brick Seguros is a company based in Curitiba, Panama, that specializes in providing security solutions and insurance services tailored for car rental companies. The firm has developed a platform focused on driver registration analysis, which aims to make fleet insurance more affordable. Through its digital inspection and background check services, Brick Seguros enables clients to assess the risk profiles of customers using self-driving vehicles in real time. This innovative approach helps small and medium-sized car rental businesses mitigate fraud and reduce claims, enhancing their overall operational efficiency and financial security.