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 operates in the Banking as a Service sector in Brazil, providing a comprehensive platform that enables startups and non-financial companies to establish their own banking operations. The company specializes in transforming these entities into credit fintechs by offering customized financing options and streamlining financial operations within its ecosystem. Giro.Tech's platform enhances financial efficiency by reducing bureaucracy and simplifying transactions, thereby improving the management of accounts for its users and customers.

Finanex operates a finance platform designed to provide digital trade finance support to small and medium-sized agribusinesses in Latin America. The company focuses on enhancing the export capabilities of these businesses, particularly those involved in food exports, by offering tailored financial solutions that address the unique challenges of agriculture and production. By facilitating same-day funding and personalized service, Finanex aims to increase export volumes while generating a sustainable impact in rural communities facing economic vulnerabilities. This approach not only supports the growth of agribusinesses but also contributes to addressing food deficits in various countries.

Teva Indices specializes in creating indices tailored for the Brazilian ETF market. The company focuses on developing a comprehensive financial platform that emphasizes reliability and accuracy in indexed investments. By utilizing advanced mathematical and statistical models alongside thorough investment analysis, Teva Indices aims to facilitate passive management in portfolio construction. This approach enables clients to align their values and objectives with their investment choices, resulting in indices that are precise, replicable, and suited to the current market conditions.

Makasí is a company focused on transforming the housing finance and construction sectors. It provides an integrated platform that addresses the challenges of securing loans from traditional banks and managing credit. By partnering with financial institutions, Makasí assists customers in obtaining the necessary funds to build their own homes, streamlining the financing process. This approach not only reduces the risks associated with collateral but also facilitates quicker construction timelines, making homeownership more accessible for its clients.

Transfeera is an open banking platform established in March 2016 with the aim of automating and simplifying payments for businesses and individuals. Founded by three former ContaAzul employees, the platform facilitates cost-effective bank transfers, specifically targeting the reduction of expenses associated with TEDs and DOCs. By streamlining financial processes, Transfeera helps users minimize errors and operational efforts, leading to further savings. The platform provides a secure and efficient means to make and receive payments, allowing users to manage transactions with employees, suppliers, and customers while avoiding high-interest rates from banks. Ultimately, Transfeera enhances cash flow and saves time and money for its users.

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 that focuses on driver registration analysis, aiming to make fleet insurance more affordable. Through its technology, Brick Seguros offers digital inspections and background checks, which facilitate real-time reporting on the risk profiles of customers using self-driving vehicles. This approach helps small and medium-sized car rental businesses mitigate fraud risks and reduce claims, enhancing overall operational efficiency and security in the rental market.