a55 is a revenue-based financing platform that upfronts predictable sales for data-driven businesses and offers investors exposure to a recurring-revenue, fixed-income-like asset class. The company was founded in 2018 and operates in Brazil and Mexico through an open-finance platform that connects banking, payments and online-performance data. To date a55 has provided more than R$300 million in loans to over 500 companies. With the new funding the company plans to advance its technology, recruit talent, and accelerate expansion in Brazil and Mexico. a55 intends to grow its client portfolio beyond online subscriptions and e-commerce, enhance its open-finance platform, and develop new data-science and blockchain-based capabilities. Management frames the product as a way to give new-economy businesses easier access to credit while offering investors a secured, transparent asset class backed by predictable sales. a55 is a Brazilian fintech that provides credit to technology companies with recurring revenue through a data-driven lending platform. Its product suite includes a credit monitoring platform for borrowers, revenue insights and cost metrics, integrated cash-flow agreement management, deposit and revenue-splitting tools, and a real-time portfolio management and monitoring platform for investors fed by transactional data. Management says it uses digital, transactional and revenue data to drive credit decisions and build the platform of the future. In 2020 a55 grew about 500% and projected 600% growth in 2021; it aims to surpass R$1 billion of credit in Brazil and US$100 million in Mexico by 2022. The company plans to use new capital to finance credit operations across the region—with a focus on Mexico—and to expand commercially and in product offerings. a55 positions itself as an enabler for Latin American tech-enabled SMEs and highlights resilient credit performance during the COVID-19 pandemic. a55 provides alternative credit and liquidity solutions to small and medium enterprises by using companies' recurring revenues as collateral and a tech platform that connects bank accounts, custody, billing, payment methods and credit intelligence. Founded in Brazil in 2018 by André Wetter and Hugo Mathecowitsch, the company is positioning itself as a financing platform for businesses that serve other businesses, starting with SaaS providers, and has recently expanded into Mexico. The firm employs 45 professionals across São Paulo, Florianópolis and Mexico City. Since 2018 a55 has lent to 50 companies in 350 operations, disbursing roughly 100 million reais in Brazil and 150 million pesos in Mexico, with overdue payments below 4%. The company expects to double those disbursement figures in the next 12 months. Its product suite includes a credit dashboard, revenue and expense metrics, cash-flow management and deposit‑locking tools, and a real-time portfolio-management platform for lenders built on transaction data.

Total raised

$57M

Funding rounds

3

Latest round

Series B

Latest activity

Jan 2022