Startup Directory

Crédito Social

Crédito Social, founded by Nathaniel Lawrence GSAS’18, facilitates financial access, health, and data-driven decisions for micro- and small enterprises in Brazil. The company provides bookkeeping and business management services through the smartphone messaging apps microentrepreneurs already use.

Brazil has over 17 million micro- and small enterprises, which represent 99% of total businesses and provide 52% of jobs. Without financial and business education, however, microentrepreneurs maintain no financial records. They can neither make data-driven business decisions nor demonstrate their creditworthiness.

Combining experimentally effective individualized behavioral training, automated educational technology, and person-to-person consulting, Crédito Social generates the business data and insights Brazil’s small businesses need.