Atraso na Análise de Crédito para Financiamento
Definition
Manual credit approval in equipment financing causes time-to-cash delays, with portfolios totaling US$27.6B exposed to slow verification amid limited reliable credit data from Serasa.
Key Findings
- Financial Impact: R$ 150B+ portfolio (US$27.6B equiv.); 30-60 days extra in AR due to manual approval
- Frequency: Per transaction in financing deals
- Root Cause: Manual credit checks and limited data availability in regulated SAM/Banco Múltiplo structures
Why This Matters
The Pitch: Wholesale Machinery players in Brasil waste R$27.6 billion in delayed portfolios on slow credit approval. Automation of credit analysis eliminates this drag.
Affected Stakeholders
Credit Analyst, Sales Manager, Finance Director
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Evidence Sources:
Related Business Risks
Riscos de Crédito por Dados Limitados em Aprovação
Perda de Vendas por Taxas de Juros Elevadas no Financiamento
Capital Mínimo e Custos Regulatórios em Arrendamento Mercantil
Perda de Capacidade por Gargalos no Agendamento de Entregas
Retrabalho e Penalidades por SLAs Não Cumpridos
Multas Fiscais por Falhas em Contas a Receber e Faturamento Parcial
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