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Legal departments

The legal opinion with the proof alongside every data point.

The legal team is called at both ends of the credit: before granting, to size the risk and the borrower's estate; after default, to know which assets actually answer for the debt. In between, it checks who signs, what the property record says and whether the file is ready for registration. The platform fetches the documents at the source, extracts every data point with its page of origin and applies the institution's rules. The opinion remains yours, with the evidence alongside.

Use cases

  • Asset search. From the tax id to the property records at the source: ownership, liens, encumbrances and annotations of the borrower and the guarantors, consolidated at once. In granting, the whole estate in front of whoever decides; in recovery, what is free to answer for the debt before filing suit or enforcing.
  • Operation due diligence. The file of a large credit operation checked against the institution’s policy: certificates, tax standing, collateral and rules applied cell by cell, with the findings ready for the opinion.
  • Powers and signatures. Articles of association in force located at the commercial registry, who signs for the company, limits and powers of attorney extracted with the page of origin, for the borrower, the guarantor and the intervener.
  • Formalisation and registry opinion. The draft and the file checked against the property record and the target registry’s requirements before filing. The opinion says whether it is ready for registration and what is missing.
  • Digital signatures. The validity of every ICP-Brasil or gov.br signature checked in the document itself, before formalising: valid, expired or undetermined, with the certificate behind it.

Sample audit in this segment

Matrícula: every field with its source, confidence and the institution's rule.

Sample document, no real data. Explore the full sample audit (PT) →

matrícula de imóvel · 6 páginas · buscada no registro de imóveisnão estava na pasta · documento de exemplo

Matrícula nº 00.000 — Registro de Imóveis (comarca fictícia)

R.3 — Registro de compra e venda

Pelo instrumento de 12 de março de 2021, Exemplo Participações Ltda. adquiriu o imóvel desta matrícula de A. B. Exemplo, pelo valor declarado de R$ 1.150.000,00.

Av.5 — Alienação fiduciária

Procede-se a esta averbação para constar que o imóvel foi alienado fiduciariamente à Instituição Financeira Exemplo S.A., em garantia de financiamento no valor de R$ 690.000,00, prazo de 240 meses.

Descrição do imóvel

Prédio comercial situado na Rua Exemplo, nº 100, com área construída de 1.240,00 m² e área de terreno de 900,00 m², confrontando pela frente com a via pública.

Sample document, no real data

  1. extracted fieldconfidence98%

    Proprietário atual: Exemplo Participações Ltda.

    ↳ source: p. 2 · R.3

    conformeinstitution's rule: titularidade coincide com o cedente

  2. extracted fieldconfidence96%

    Ônus vigente: Alienação fiduciária em favor de instituição fictícia

    ↳ source: p. 4 · Av.5

    não conformeinstitution's rule: lastro livre de ônus impeditivo

  3. extracted fieldconfidence99%

    Área construída: 1.240,00 m²

    ↳ source: p. 1 · descrição

    não avaliadainstitution's rule: área compatível com o laudo

  • Wholesale bank

    Document review for large credit operations, from file intake to the annotated opinion.

Shall we talk about your operation?

Book a demo for the legal team (PT)