The Challenge: Born as an emergency relief fund, the challenge was to offer accessible credit to small entrepreneurs underserved by traditional banks, while ensuring the fund's sustainability (Blended Finance).

Our Solution: OpenCo acts as the technology and credit intelligence engine, managing the complete cycle from digital origination to collections, using proprietary models that incorporate alternative variables.

The Challenge: Wellhub has a network of tens of thousands of gyms. These are businesses with significant investment needs (capex) that require quality credit solutions.

Our Solution: Credit using Wellhub's receivables flow to reduce costs and offer attractive rates. OpenCo supports the full cycle, from the white-label origination app (biometrics, documents) to the credit analysis and escrow account management, with payment splitting and reconciliation through a FIDC.