Credix raises $100 million to power the next generation of SME credit in Brazil
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Antwerp (Belgium) and São Paulo (Brazil), October 2025 — Credix, a leading B2B credit technology company, announced today that it has raised a total of $100 million to expand its mission of democratizing access to credit for small and medium-sized enterprises (SMEs) in Brazil.
The round includes $6 million in equity led by Patria High Growth, with participation from Valor Capital Group and ParaFi Capital, and an additional $94 million in structured debt through a new FIDC created in partnership with BTG’s Polígono Capital.
Founded in 2021, Credix integrates its technology directly into the checkout and payment systems of large manufacturers, distributors, and e-commerce platforms — enabling real-time financing for business buyers.
Using proprietary data models and advanced AI, Credix delivers credit decisions in seconds with defaults below 1% and approval rates above 70%, a performance level previously impossible in Brazil’s SME lending market.
Over the past 12 months, the company has originated more than $50 million in loans, helping thousands of SMEs gain fast and affordable working capital while helping sellers boost sales conversion by 10–20%.
Credix’s technology is already powering credit solutions for major partners such as Panasonic, Acer, Volvo Trucks, Allied, Fast Shop, and Promofarma.
Credix is among the first fintechs in Latin America to deploy AI agents across multiple operational areas, creating scale efficiencies and superior credit outcomes:
- Credit and fraud modeling: AI continuously retrains on proprietary transaction and behavioral data to refine risk and fraud detection models.
- Collections: AI voice agents automate early-stage outreach and payment negotiation.
- Customer support: Conversational AI resolves most inbound requests instantly, improving service while reducing costs.
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Thomas Bohner, co-founder and CEO of Credix: "AI allows us to underwrite and manage credit at a scale and precision that wasn’t possible a few years ago — and still isn’t for most financial institutions today. We’re building the credit infrastructure that lets any business buy and sell with confidence, powered by data and automation.”
“The Credix team is building one of the most advanced credit technology platforms in Latin America” said Pedro Melzer, Co-CEO of Patria High Growth. “Their use of AI, proprietary data, and embedded integrations is transforming how credit flows through B2B ecosystems — an enormous market opportunity with both scale and positive impact. We believe Pátria High Growth can help Credix scale to new heights by supporting them with connections with leading industrial companies from our portfolio and across our investor network, alongside other strategic initiatives”.
Brazil’s B2B trade credit market exceeds $100 billion, yet millions of SMEs remain underserved. Credix’s embedded model enables large sellers and marketplaces to offer instant payment terms without taking balance-sheet risk, while SMEs gain the working capital they need to grow.
“The combination of equity and debt gives us the capacity to serve thousands of additional businesses and strengthen our platform for scale, governance, and profitability,” Bohner added. “Patria brings not only capital but deep expertise and long-term partnership as we continue to expand across sectors.”
Media contact
saartje dietvorst