Start Capital
How a partnership in digital credit technology evolved into a white-label SaaS platform for credit brokerages.
- Segment
- White-label / B2B
- Vertical
- Fintech
- Launch
- 2025
The challenge
Credit brokerages depend on volume: proposals, payroll agreements, different financial institutions and an extensive network of partners that has to be managed and paid. Without access to advanced product engineering, these companies were limited in their ability to scale.
One platform. Every brokerage with its own brand.
The challenge was to build a standardized technology infrastructure (white-label SaaS) where each brokerage operates with efficiency, security and its own brand, without having to build technology of its own.
What we did
Start Capital grew out of a conversation between Razzo and Credliber, where we saw a big opportunity that could be explored and generate results for both companies. Building on what we had learned and acting as the engineering arm, we created a solution that is not only financial but also white-label, allowing many brokerages to operate with a product under their own brand.
Built in partnership, from an existing base.
Start Capital was born in partnership with Credliber, from the code base developed for it, by agreement between the parties. Rather than a one-off customization for a single client, the work was to evolve that base into a multi-tenant infrastructure where each brokerage operates with its own configuration and identity. Today Start Capital evolves independently.
One platform, multiple brands (multi-tenant & white-label).
Each brokerage operates under its own visual identity, from the sales link to the app published in the stores with its own name, icon and colors.
The whole operation in one place.
Native support for multiple credit products (FGTS anniversary withdrawal, public and private payroll loans, personal loans), advanced team management with hierarchy and permissions, a commission module with automatic split and custom rules, plus conversion dashboards integrated with financial institutions.
Agile onboarding, no interruptions.
A guided four-step onboarding process: assessment, setup and integration, team training and assisted go-live. The brokerage migrates systems without interrupting its sales routine.
A customized, white-label app.
Beyond the web platform, each brokerage has its own mobile app, published on the App Store and Google Play with its brand's name, icon, colors and identity. Through the app, the sales network and customers simulate, submit proposals and sign contracts, and everything runs on the same platform base — with no need for the brokerage to build or maintain technology of its own.
What the platform delivers
Start Capital is live as a solution for credit brokerages that want to scale their operations under their own brand. For each client, the platform offers:
- Their own brand, end to endSales link, customer experience and app in the stores under the brokerage's visual identity.
- No more manual month-end spreadsheetsAutomated commission calculation and payout, with flexible rules, financial history and full transparency for the entire partner network.
- A 24/7 digital sales pipelineA continuous flow where the customer simulates, submits proposals and signs on their own, generating sales volume without having to grow the support team.
- Real-time operational managementDashboards with indicators on proposals, volume produced, conversion rates and rejection reasons, with easy data export for strategic management.
The platform keeps evolving, with new credit products and financial institutions integrated over time.
Where to see Start Capital
Why this case matters
Today Start Capital keeps innovating in its market and delivering strong results for all its clients, with more than R$ 100 million already transacted through the platform. Start Capital showed how visionary businesses can join forces and build even bigger empires. Start was born from the partnership with Credliber, and today both remain Razzo clients, generating growth and results for everyone.
This case shows that Razzo is here not only to scale businesses, but to take them further than anyone imagined.
Capabilities demonstrated
- Product architecture
- Multi-tenant SaaS products
- White-label mobile applications
- Financial systems integration