VIPe is a Brazilian financial platform that focuses on the Personal Payroll Loan (PPL) market, which is largely untapped and fragmented. With a fully verticalized approach, VIPe has its own origination, financial institution, and funding vehicle, allowing for greater flexibility and margins. The company has a proven track record of generating profits while experiencing significant revenue growth and building a portfolio of R$75mm in just 19 months. With an experienced team that has operated in the credit industry for almost 20 years, VIPe is well-positioned to succeed as a credit company.