CERC is a Brazilian fintech startup that operates in the credit market, specifically dealing with receivables from card transactions. The company reached a volume of R$ 1 trillion in card receivables just a year and a half after its system became operational. CERC's primary role is to facilitate a larger group of companies to use their receivables in credit operations, thereby providing them with access to capital for reinvestment and growth.

CERC's business model revolves around the use of data analysis and digital tools to enable innovation and scale in credit offerings. The company's services are aimed at increasing the efficiency and quality of data use, thereby expanding the use of receivables in credit operations and boosting transaction volumes.

CERC also plays a significant role in the factoring and ESC market, providing access to information and tools for a more prominent role in the credit market. In the capital market, CERC ensures control and transparency to increase the volume of credit in the securitization of receivables, providing total security for managers, administrators, and investors.

The company's services also enable businesses to use their receivables to increase their access to credit, facilitating sustainable business growth. This includes providing healthier suppliers with more access to credit, enabling price reductions or extended payment terms for invoices.

CERC's analysis and formalization services enhance the guarantee process to increase business volumes. The company is reinventing the Brazilian credit market by using data analysis, access tools, secure data storage, and operating in a regulatory environment that protects the rights of all parties.

Keywords: Fintech, Credit Market, Receivables, Data Analysis, Digital Tools, Factoring, ESC Market, Capital Market, Securitization, Regulatory Environment.