LENDING
From credit to collections, optimize every stage of your portfolio
Access banking and employment data to approve more creditworthy borrowers, reduce delinquency, and recover more from past-due portfolios, all in one platform.
Trusted by the leading financial innovators
Accelerate and optimize credit decisions
Reduce delinquency
Combine open finance data and official employment records to analyze payment history with more precision and approve customers who will actually pay.
IDENTIFY AND REDUCE FRAUD
Verify identity, income, and financial health in real time before approving credit.
Grow your
credit funnel
Understand applicant profiles better and make offers to previously rejected segments without increasing portfolio risk.
Collect smarter, recover faster
Collect at the right moment, before customers fall behind, or use our AI agents to drive recovery.
the one-stop-shop solution for your credit strategy
Grow your customer base with lower credit risk
Feed new customers in your credit funnel and verify income instantly. Multiply your loan underwriting volumes by 2 while consolidating your creditworthiness.
Boost approval rates 30% via instant income verification
Offer customers a seamless onboarding experience and access real-time financial data to reduce friction and increase credit approval rates up to 30%.
Halve payment defaults with automated collection
Decrease payment default risks by 50% providing tailored offers with more suitable repayment conditions and collect money through direct debit.
COLLECTION
rom recurring billing to past-due recovery, we cover every stage
SMART COLLECTIONS
Collect before customers fall behind
Monitors available balance in your customer's account and automatically executes the payment at the right moment. For lenders that want to reduce delinquency without expanding their collections team or adding friction to the customer relationship.
AI COLLECTIONS
Recover more from past-due portfolios, without scaling headcount
When a customer is already overdue, AI agents identify the right moment to reach out, adapt their tone to each debtor's financial profile, and drive the negotiation over WhatsApp or voice, from first contact to confirmed payment.
What our clients say
Using Belvo's data, we reduced our credit risk by half.
João Paulo
head of credit