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Real Estate Solutions

Supportive solutions for the development of new residential, commercial, and industrial projects, as well as for landbank acquisition, among others.

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Working Capital for Residential construction

Financial tools designed to support individuals or companies in the construction of residential properties. This is a working capital solution with IOF (tax on financial operations) exemption. Funds may be disbursed in stages during the construction process.

This product is tailored to Special Purpose Entities (SPEs) within the real estate sector.

The use of funds must be strictly for residential construction purposes.

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Real Estate Receivables Certificate (CRI)

CRIs are private fixed-income securities representing a future payment promise related to real estate transactions.

These securities are backed by real estate credits, reflecting portions of a credit right.

Receivables that can serve as backing include:

•    Real estate sale contracts.
•    Real estate lease contracts, SLB (Sale Leaseback), or BTS (Built to Suit).
•    Debts (CCBI, debentures, NC) aimed at: construction and renovations, covering construction or renovation expenses from the last two years, or rent payments (only for the lease contract duration).