부산대학교 도서관

Creditas Financial Solutions Ltd., a fintech company based in Sao Paulo, has emerged from the tech downturn with reduced losses and half of its staff. The company, valued at $4.8 billion in 2022, was able to reach the global debt markets in 2023 and plans to continue expanding this year. Creditas has reduced its growth pace to about 30% in the last two years, while also cutting costs and changing prices of its loan book. The company uses collateral such as homes and vehicles to reduce risk in loans and aims to reinvest its gains to maintain a 30% annual growth rate. While Creditas doesn't currently need more equity investments, it may engage in further fundraising and return to the global bond market. The company is also considering a US initial public offering in the future. [Extracted from the article]