CR & Structured Corporate Debt
Credit from real businesses, with collateral.Credit from real businesses, with collateral.
Asset class sheet
- Return Profile
- Fixed rate, CDI+ or IPCA+
- Individual Tax (BR)
- Regressive fixed-income tax table
- Collateral & Backing
- Real collateral, receivables & surety
- Offering Cap
- Up to R$ 15M per annual cycle
How private credit works
Credit from companies in any sector, with collateral and a set term.
Multi-Sector
Healthcare, clean energy, B2B services, manufacturing, logistics, and retail.
Receivables Lockbox
Fiduciary assignment of trade invoices, card receivables, or corporate contracts.
Optimized Tenors
Short- and medium-term maturities (typically 12 to 48 months).
Regressive Tax Table
Standard Brazilian fixed-income withholding tax decreasing with holding period.
Engineering a Structured Credit Transaction
From the company's cash to a security.From commercial cash flow to a security.
- 01
Credit Analysis & Internal Rating
Cash, debt, and customer quality.
- 02
Collateral Design & Escrow Account
Collateral and the account that collects it.
- 03
Digital Public Offering
Term sheet and payment flow on the offer.
- 04
Settlement & Periodic Amortization
Interest and principal on the calendar.
Advantages of Structured Corporate Credit
- Attractive Yield Spread over CDI
The rate does not pass through a bank spread.
- Predictable Amortization Schedule
Interest, dates, and amortization from day one.
- Financial Covenants & Governance
The company keeps cash and debt ratios.
Private Credit Risk Factors
- Issuer & Debtor Credit Risk
The issuer or the paying customers may not pay.
- Collateral Enforcement Risk
Enforcing collateral can require a legal process.
- Low Secondary Liquidity & No FGC
No FGC and low liquidity. Plan for the term.
Other Poupz Capital asset classes
Corporate Equity
Ownership in real companies
Real Estate (CRI)
Real-estate fixed income
Agribusiness (CRA)
Agribusiness fixed income
Build a Well-Structured Private Credit Portfolio
Open your free account at Poupz Capital and analyze multi-sector opportunities with full transparency.Free account. Credit stays in the signed-in area.