All your back-office processesautomated.
GarantiaBR automates complex manual processes across compliance, operations and credit: it reads the file, fetches what is missing at the source, applies your business rules and returns the opinion with the evidence for every data point.
Less time and cost per file, with an audit trail per field.
For banks, fintechs, securitisers, consortia, development banks, agribusiness, insurers and law firms that check documents against rules.
Who runs GarantiaBR
Results
What changed for those already running GarantiaBR.
Legal due diligence
20 days2 hours
from file intake to the opinion
The whole file checked by the platform, with the findings ready for the committee.
Mortgage lending
90 days30 days
average total time to grant
The whole pipeline, from simulation to registry, with no paper between steps.
Registry opinion
No requirement notes
the file reaches the registry ready for registration
The file checked against the target registry's requirements before filing.
Business account opening
Within the opening itself
signatures and powers checked with no back-office queue
Signatures and powers checked even with more than one partner in the articles.
Asset search
Assets mapped at the source
from the tax id to the property records, in granting and in recovery
Property records, liens and ownership of the borrower and guarantors gathered at once, so the legal team decides with the whole estate in view.
Accuracy
Every data point checked two ways. When they diverge, your desk decides.
Deterministic rule
Your rule applied to the cell: it says what is compliant and points to where the evidence is in the document.
Probabilistic analysis
The model reads the document, extracts the data point with its page of origin and reports the reading confidence.
Agree or diverge
They agree: the data point comes out verified, with the evidence alongside. They diverge: the cell goes to the desk, by design.
One run, step by step
No improvisation: the platform follows your procedure on every run and records each step with the source consulted.
- Fetch the updated property recordregistry
- Check the company standing with the tax authorityFederal Revenue
- Verify who signs for the companyCommercial Registry
- Check liens and encumbrancesProperty Registry
- Apply the credit policyclient's rule
- Proposed opinionawaiting the desk
The platform
From manual back-office process to automated workflow.
Your business rules come in as they are
Credit policy, target registry requirements, the department procedure. They become configured, versioned checks applied to every file.
The file comes in by upload or API; what is missing, we fetch at the source
Property record, certificates, the articles in force: registries, commercial boards and the Federal Revenue, with the page of origin of every data point.
Extraction, cross-check and your rules, cell by cell
Every field comes out with value, page of origin and the rule result: compliant, non-compliant or not assessed. The opinion is proposed with the findings.
Your team confirms, corrects or rejects
Every run is recorded: inputs, sources consulted, rule applied and who decided. In an audit, the opinion explains itself step by step.
Product screens over a sample file, with no real data.
Browse the products
One architecture, five fronts that work together. Turn on what makes sense for your operation.
- 01GarantiaBR PlatformThe architecture as a component inside your system, by API or in the web dashboard.
- 02Content and Document HubAcquisition at the source, a single archive, data extracted and ready to cross-check.
- 03Audit AgentThe whole file checked against your rules, with findings and evidence.
- 04Asset ValuationReference value on the spot and on-site inspection, with an appraisal of stated method.
- 05Tailored PipelineYour pipeline built on the same architecture, with assisted rollout.
End to end
From the first document to the opinion: the whole process, in one flow.
Every stage is configurable: what the platform settles on its own, what goes through your desk and where the data goes after the opinion.
GarantiaBR process
One continuous thread: the file comes in, what is missing arrives from the source, your rules check it, the desk decides and what it corrects goes back into the rules.
- 01File comes inBy upload, by API or from the archive you already hold.PDFbatchAPI
- 02SourceWhat is missing is fetched from the registry, the commercial board and the Federal Revenue.registryBoardRevenue
- 03ExtractionEvery field comes out with its page of origin and the reading confidence.fieldpageconfidence
- 04Cross-checkCertificates, liens, tax standing and asset value, verified at the source.certificatesliensvalue
- 05RulesYours, versioned. Every cell comes out compliant, non-compliant or not assessed.policyrequirements
- 06OpinionFindings, evidence and what is missing, proposed to the desk.findingsevidence
- 07Desk and returnYour team confirms, corrects or rejects. The data goes back to your system.APIwebhook
Continuous improvement · what the desk corrects feeds the review of the rules
The next file comes in with the revised rules. Your team is still the one deciding.
See what is possible
Automate what your team checks by hand today, on top of the pipeline you already run.
Legal
Signing powers and signatures
Articles in force, who signs for the company, limits and powers of attorney, checked at the commercial registry and at the source.
- Articles
- Power of attorney
- Commercial Registry
Legal
Asset search
From the tax id to the property records at the source: ownership, liens and encumbrances of the borrower and guarantors, in granting and in recovery.
- Property record
- Liens
- Recovery
Credit
Checked credit file
The whole file verified against the credit policy: certificates, tax standing, collateral and institution rules, with findings for the committee.
- Credit policy
- Certificates
- Committee
Collateral
Property record review at operation time
Ownership, liens, encumbrances and annotations read from the updated record, fetched from the registry, with the page of every data point.
- Property record
- Liens
- Registry
Collateral
Asset valuation
Reference value on the spot and nationwide on-site inspection, with an appraisal of stated method.
- Appraisal
- Inspection
- Reference value
Registry
Registry Opinion
The file checked against the target registry requirements before filing. The opinion says whether it is ready for registration.
- Requirements
- CNS
- Registry rejection
Business account
Business onboarding
Account opening and company registration with documents checked, tax standing consulted and signing powers validated.
- KYB
- Federal Revenue
- Registration
Portfolio
Portfolio due diligence
Receivables and assignments checked document by document before the assignment, without relying on spreadsheets.
- FIDC
- Assignment
- Collateral
Any process
Tailored pipeline
Any procedure your team runs by hand over documents and rules, built on the same architecture, with assisted rollout.
- Origination
- Business onboarding
- Project
Impact on the operation
What changes in the operation: from twenty days to two hours.
Time for document review of credit operations, from file intake to opinion.
Without GarantiaBR
- The same property record bought by three teams.
- File checked by hand, document by document.
- Registry requirement discovered after filing.
- Nobody knows whether the person signing may sign.
- The opinion says what, but not where it came from.
With GarantiaBR
- A single archive; what is missing is fetched at the source.
- Extraction with the page of origin of every data point.
- Target registry requirements checked before filing.
- Signing powers verified in the articles in force.
- Opinion with finding, rule and evidence, ready for the desk.
Markets we serve
For anyone who checks data extracted from documents against rules.
The segments below are where that work shows up in volume, not the boundary of who we serve: the same mechanism serves a wholesale bank and an agribusiness company.
- Banking infrastructure and core banking
- Banks and credit fintechs
- Securitisers, credit funds and asset managers
- Consortia and administrators
- Public and development banks
- Corporations and law firms
- Legal departments
- Insurers
- Agribusiness
- Developers
- Law firms
- Accounting firms
- Credit unions
Human control by design
The platform automates. Your team decides.
Automating the process is not automating the decision: that is what we call decision infrastructure. GarantiaBR reads, fetches, cross-checks, verifies and proposes; your desk confirms, corrects or rejects, and the decision is recorded as yours, under art. 20 of the LGPD.
Automation layer
Reading, lookup at the source, cross-check, rule application and proposed opinion, on every file, with the audit trail per field.
Supervision layer
The analysts are yours: they receive only the cells the rule could not settle and the findings, and they sign the opinion. Efficiency and lower costs where the team's time is worth most.
Security and compliance
We prioritise compliance, so you can prioritise your business.
Audit trails and access controls are not add-ons: they ship with every feature. Compliance and AI model governance were designed in from day one, because building it right costs less than retrofitting it.
Talk to our team (PT)ISO/IEC 27001:2022
Certified information security management system. Public information security policy.
SOC 2 criteria
Controls aligned with the SOC 2 trust criteria, on the same management system certified under ISO 27001.
Audit trail per field
Every data point with its page of origin, the rule applied and who decided. In a regulatory review, the opinion explains itself step by step.
Role-based access control
Permissions per role and per client; each person sees only what they need. Roles and approval rights set once, enforced by the system.
Encryption
AES-256 at rest and TLS in transit, with keys managed in KMS.
Hosted in Brazil
AWS, São Paulo region, with tenant data isolation, under CMN Res. 4,893/2021.
Human review
Any cell can pause for a human decision. Who decided, when and what they reviewed stays in the trail (LGPD art. 20).
Penetration test
Performed by an independent firm. Executive summary available during vendor assessment.
Get started
In 30 minutes, a case like yours: your rules, one file, the opinion with the trail.
We bring a file representative of your process, apply your rules and show the opinion with the page of origin of every data point. Bring your own case and we map it live.
Book a demo (PT)No prior setup. We reply within two business days.
How it starts
- 01DiagnosisWe map your process and the rules it applies today.
- 02ConfigurationRules, document types and sources adjusted to your operation.
- 03PilotRepresentative files in a staging environment, at your team's pace.
- 04OperationBy API or through the platform, with the trail of every opinion.