The company, based in São Paulo, started its lending operations in 2015 and developed Brazil's fully digital payroll loan product in 2018. Geru uses its own credit score model based on unstructured data to offer rates lower than the market, ranging from 25% to 80% p.a. Its platform features cutting-edge technology with a high level of security and intelligence, allowing financial institutions to provide money for those who want a loan at the same time investors finance these loans. Geru acts as a correspondent bank for financial institutions, enabling borrowers to get financing with attractive interest rates. The company is experiencing significant growth with a lean team of high-class professionals committed to building one of the most disruptive startups in Brazil.