Bull raises $3.7M seed to scale Brazil’s embedded-credit infrastructure
Bull’s white-label platform gives businesses a way to launch payroll-backed worker loans through their own customer or employee channels, while handling the software and servicing operations behind each product.
A lending stack for partner-led credit
Companies can add payroll-backed worker loans without assembling origination, risk management and servicing systems themselves. Bull combines technology and regulatory workflows with customer support, collections, reconciliation and connections to credit funds; loans are issued by regulated financial institutions.
More than 20 medium and large clients use the platform across financial services, retail, employee benefits, marketplaces and technology. That partner model lets Bull reach borrowers through businesses that already have customer relationships while it builds the operating layer behind each credit product.
Use of funds
Strengthen its platform and invest in AI, data infrastructure, cybersecurity and credit decision models
Automate processes to reduce operating costs
Expand sales and marketing and grow its client and partner network