Biva
“Can a P2P lending marketplace become the lowest-cost business credit channel for Brazilian SMBs by connecting them directly with retail and institutional investors?”
HQBrazil
IndustryFintech / Lending
The story
Biva operates as a peer-to-peer lending marketplace focused on the Brazilian SMB market, positioning itself as a low-cost alternative to traditional bank credit. The platform allows collective lending ('Empréstimo Coletivo') where multiple investors fund individual SMB loans, promoting shared-economy finance. The company has built a partners portal to expand reach through referral networks, incentivizing introducers with commissions of up to R$2,500 per funded loan.
Last 12 months
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The stack
1 layer disclosed in Biva’s embedded-finance stack
Lending
P2P business loans (Empréstimo Coletivo)SMB working capital loans
Accounting gap: none