Credit Venture Partner
We build, invest in and scale credit businesses alongside companies.
Capital, execution and structure to turn credit into a new revenue line and prepare operations for growth, scale and access to institutional capital.
We are a Credit Venture Partner
There is capital for equity and there is capital for mature credit operations. The most critical phase of the journey, building a new credit business, remains underserved.
Many companies have the customer base, data and distribution channels to monetize through credit, but lack the structure, expertise or capital to turn that into a sustainable operation. That is where Uruk comes in.
One partner. Three levers
Uruk works alongside companies that want to turn credit into a new revenue line and a lever for sustainable growth. Our approach combines building, capital and institutional traction in an integrated model that follows the operation through every stage of its development.
01. Structuring
We design the product, operating model, governance and credit policy so that the operation is ready to grow from day one.
02. Investment
We invest our own and investors’ capital alongside our partners, with aligned incentives and a long-term view.
03. Funding
As the operation matures, we open the way to securitization and institutional investors.
A journey built for scale. We follow the operation through every stage
More than financing credit operations, we help build the capability to run credit as a business within our partners’ ecosystems.
Operators before investors
We believe credit is not built with capital alone. That is why we take an active part in creating and developing operations alongside our partners.
We don’t just finance businesses. We help build them.
We build across
What we are
What we are not
We turn credit into growth
The traditional view
Many companies see credit merely as a temporary financial need or an operating cost.
Our view
We see a strategic opportunity to create new products, strengthen customer relationships, increase retention and generate new sources of recurring revenue.
01.
New products
Financial solutions tailored to the needs of your customer base.
02.
Stronger relationships
Greater engagement and loyalty from customers and partners.
03.
Higher retention
Higher LTV and lower churn through the credit ecosystem.
04.
New revenue streams
Recurring monetization of the volume originated.
Experience built in practice
R$ 12 bn+
Structured and allocated by the partners over their careers in the financial markets.
45+ years
Of combined experience building and developing some of Brazil’s most significant credit operations.
Operators with real market experience
More than managers of capital, we are operators with over 45 years of combined experience who took part in building and developing some of the most significant credit operations in Brazil.
Transformation across sectors
Throughout their careers, Uruk’s partners have contributed to developing platforms, products and operations that helped transform how credit is offered across different sectors of the economy.
Partner profiles
Companies that want to turn credit into a competitive advantage.
01.
A sizeable active base
Recurring, engaged customers.
02.
Monetization potential
Credit as a new revenue line.
03.
Capital efficiency
Growth without weighing on the balance sheet.
04.
An operation to build
Start from scratch or develop what already exists.
Cases
Private healthcare
Concentration among assignors and obligors, combined with the level of provisions, brought the vehicle’s subordination close to the agreed minimum.
Auto credit
A collateralized portfolio with a track record, but not yet at the scale needed to attract senior quotaholders to the vehicle.
B2B and payments
Scaling origination required a dedicated vehicle, without relying on the fintech’s balance sheet.
Our team
A team built to cover every dimension of building credit businesses.
André Pina
Co-founder and CEOStrategy and Relationships
15+ years in private credit. Previously at Liqi, Captalys, Citi and HSBC. Stanford GSB.
Lucas Muñoz
Co-founder and CIOInvestments
Fund structuring at Captalys, Head of Risk at Bluewave Asset and CFO of iDtrust.
Douglas Shibayama
Chief Partnership OfficerPartnerships and New Business
Previously at iugu, Captalys, Goldman Sachs and Merrill Lynch, in Brazil and New York. Columbia GSB.
Alessandro Akita
PartnerPortfolio and Risk
Structured finance at Hotmart, investment management at Captalys and product strategy at Cielo.
Contact