OUR BUSINESS

Get to know the way C4 works:

1 - FIDC X C4 CREDIT

C4 Crédito is in agreement with the FIDC (Credit Rights Investment Fund) platform to provide digital receivables services for merchant transitions from retailers. All Registered Receivables are standardized and backed.

2 - C4 CREDIT

Platform C4 performs all retail and consumer assessment steps (cedent and withdrawal), operating the receivables origination activity, control of credit release, cash flow management and performing collection and recovery of credit.

3 - C4 CREDIT X RETAILER

C4 Crédito signs a commercial agreement with the retailer to offer consumer financing pre-approved for the customer base and / or approval of new consumers;

4 - ESTABLISHMENT

The customer of the retailer will purchase the product or service through the financing and / or will be approached through the sales channels, offering the pre-approved personal loan;

5 - POINT OF SALE (POS)

With acceptance of the client and final approval of the financing by the Platform, the credit will be released to the retailer's current account

6 - CONSUMER

The charge will be made through a card issued at the retailer's points of sale (POS) or invoice of monthly payments sent to the customer's residence - the collection will be the responsibility of the FDIC.

Central point

With business expertise
Direct Consumer Credit (CDC).
Focus on distribution through own stores.



Differential

Business intelligence and consumer registration qualification
Financing will help sales and reduce inventory



DISTRIBUTION AND MARKETING


Decentralized Activities

Retailers

Centralized Activities

C4