Secured credit · Home Equity · Sale and Leaseback · Built to Suit

I don't fight for the bank's profit.I make the banks compete for you.

We are accredited with 26 institutions — large banks, mid-sized banks, fintechs and investment funds. One is better on term, another on amount, another on rate. We combine the best of each, put together a final proposal and see who takes it.

Simulate now Talk to the credit desk

26 accredited institutionsNo-cost reviewBanks, fintechs and funds

What we structure

Five transactions, all backed by assets.

Rate and term before the form. You see the range first; your details come later.

Home Equity

A house, apartment or commercial property as collateral.

Working capital, paying off expensive debt or expansion
Property fully paid or still financed
Appraisal, review and registry office handled with you

0.89% per month + IPCAor 1.39% per month fixed · up to 240 months

Simulate

Sale and Leaseback

An operating warehouse or industrial plant.

The company sells the property and keeps operating in it
Unlocks capital without stopping production
Long-term lease agreement

Tailor-madestructured case by case

Talk to the credit desk

Built to Suit

Your land, the investor's construction.

You provide the land, the investor provides the capital
A building designed around your operation's needs
For large-scale projects

Projectfeasibility assessed together

Present a project

Vehicle-backed loan

A paid-off car that stays with you.

You keep using the vehicle
Faster approval than with property
An alternative when there is no property to pledge

On requestup to 60 months

Simulate

International Credit

Funding from foreign funds and banks.

Transactions from US$ 3 million
Structured under Brazil's Law 4,131
Does not create debt with the Brazilian Central Bank (Bacen)

US$ 3 MM+minimum ticket · via the ACI ecosystem

Talk to the credit desk

Reference rates for property-backed loans: 0.89% to 1.6% per month, depending on profile, collateral and institution. The CET (Total Effective Cost) and the annual rate are disclosed in the proposal, before anything is signed.

Why the credit desk matters

One is good on term. Another on amount. Another on rate. We combine all three.

26 doors, one dossier

You put the documentation together once. The transaction is presented to 26 accredited institutions, not just one.

We are not a bank manager

A bank manager defends their bank's results. Target's credit desk works on your side of the table.

Offers compared side by side

You receive the terms in a single table: rate, term, grace period, total cost and who delivers fastest.

No-cost initial review

Target is paid by the institution. We do not charge clients a brokerage fee.

Simulator

See the range before talking to anyone.

What collateral do you have

How much you need

R$ 300.000

Over how many months

Rate type

Amortization

What the credit desk looks at beyond collateral: use of funds, ability to pay and your timeline.

Financed property also qualifies — the review takes the outstanding balance into account.

The initial review is free of charge. Target is paid by the institution.

How it works

From simulation to disbursement.

Simulation and assessment

You run the simulation, we assess the case: collateral, use of funds and ability to pay.

Transaction dossier

We organize the documentation, property records and appraisal. This is the step that gets you a better offer.

The 26 institutions

We take the transaction to the whole desk and compare the offers side by side, together with you.

Signing and disbursement

Contract, registration at the registry office and funds in your account. We follow through until the money arrives.

CreditasSantanderItaúBradescoC6 BankInterDaycovalBVSicrediCashMeLibra CréditoGalleria Bankand others

Some of the institutions Target works with — 26 in total, including banks, fintechs and investment funds.

No property to pledge?

Other credit lines the desk also handles.

Payroll-deductible loan

Deducted from salary or benefit payments, at a lower rate than a regular personal loan.

FGTS advance

Advance installments of your FGTS (Brazil's severance fund) anniversary withdrawal without straining your monthly income.

Personal loan

For smaller amounts needed faster, comparing terms from several institutions.

FAQ

What people ask before simulating.

Does my property need to be paid off?

No. Financed properties are also accepted, as long as a significant share has already been paid down. The analysis takes the outstanding balance into account.

What is the difference between Sale and Leaseback and Home Equity?

With Home Equity the property stays yours and becomes collateral. With Sale and Leaseback the company sells the property and keeps operating in it as a tenant — it usually unlocks more capital, and it's the natural route for a warehouse or plant in operation.

Can I use my car as collateral?

Yes. The vehicle must be paid off and you keep using it as usual. Approval is usually faster than with property, with a shorter term and a slightly higher rate.

Do you charge a brokerage fee?

No. The initial analysis is free and Target is paid by the institution, not by the client.

How long does it take?

Home Equity usually takes 20 to 45 days, depending on the registry office and the appraisal. Sale and Leaseback and Built to Suit take longer, since they involve structuring and an investor.

Does international credit count as debt for my company?

Structured under Law 4,131 (Brazil's foreign capital law), the funding does not create debt registered with the Bacen (Central Bank of Brazil). The exact structure is defined case by case.

Talk to the credit desk

Tell us about your case, we'll answer with numbers.

We get back to you within 1 business day with the actual rate and term range for your profile.

Your case is read by our credit desk.Official Target channel · reply within 1 business day, Monday to Friday, 7:30 am–6 pm (Brasília time)