EmpreX

Brazilfintech

EmpreX is a Brazilian fintech that provides personal credit (crédito pessoal) by leveraging Open Banking infrastructure to analyze bank statements and extract additional indicators, enabling it to offer loans with lower interest rates. The company targets middle-class consumers in Brazil, aiming to reduce the cost of borrowing through data-driven risk assessment. It has raised significant funding, including R$40 million from SRM Ventures and R$11 million in a round led by former Goldman Sachs executives, to scale its lending operations and invest in marketing and technology.