Score per company
A 0 to 1000 rating, with the 3 factors that best explain it
Spot the warning
signs of default
months in advance
Identify risks in your SMB portfolio, from default to commingled company and personal assets, and turn transaction data into intelligence for safer, more strategic decisions
Talk to usBehind every company, a financial reality
Without context, assessing each company's risk takes more time and effort
- ~80% of SMB credit applications are denied
- 71% is the SMB credit gap in Brazil
- 42% of credit denials stem from documentation or registration data gaps
Sources (Brazil data): BACEN · FGV · SEBRAE · PwC · McKinsey
Find opportunities, understand the risks
Portfolio risk map
Companies distributed by risk band
Pre-approval candidates
Low-risk companies, ready for an offer
Financial stress alerts
Companies showing signs of financial stress
Celero Score as part of your credit policy
Strengthen your credit policy with Celero Score. More information to decide with confidence, without giving up your institution's own criteria
Talk to usFAQ
What is Celero?
Celero is the first SMB data infrastructure in Latin America. With a proprietary foundation model, built on more than 10 years of experience with SMBs, we read companies' real account activity and give financial institutions a clear view of every SMB client in their portfolio.
What is Celero's foundation model?
It is a proprietary AI that has learned from more than 10 years of SMB transactions. It separates actual revenue from money that just passes through the account, such as loans, capital injections from partners or transfers between accounts of the same owner. It is the foundation on which Insights, Score and BFM are built.
Where does the data come from?
From the institution's own full bank statements. It is data the institution already has, complete and historical, but cannot read today. We use no credit bureau or public data.
Is my data safe?
Yes. Processing takes place in a segregated environment, and the institution receives the reading per company, never a classified database. Your data never leaves home or becomes a third-party product.
Does Celero's AI make decisions for the institution?
No. Celero suggests, the institution decides. The reading adds to what your team and your models already do, without replacing them.
What does the Score measure?
Each company's observed ability to pay, based on its real account activity. It helps you see deterioration before the first late payment.
Does the Score replace the credit bureau?
No. It adds a layer no credit bureau has, and it is especially useful for new companies or ones the bureau barely sees.
How does contracting work?
The model depends on each institution's profile and project. The first step is usually a diagnostic on your own portfolio.