Avail Access to Credit for Brazilian MSMEs and Consumers
Merchant
Financing Made Simple for Brazilian Businesses
Running a business in Brazil's fast-moving economy means cash flow is crucial. With Bettr Working Capital, local businesses gain higher approval rates, faster access to funds, and flexible repayment options to manage liquidity more effectively, reinvest in growth, and compete with confidence.
Get Financing Where You Are
MSMEs can access working capital directly from digital platforms like AliExpress where they already operate, with a straightforward application process.
Faster Access to Funds When You Need It
We know how important it is to strike when the iron is hot. We ensure our application experience is seamless so MSMEs can enjoy fast approvals and disbursements of funds.
Fair, Transparent Rates You Can Trust
Built for Brazil's MSMEs, with affordable rates and no hidden terms.
Flexible Financing That Adapts To You
Access funding that adjusts to your unique needs, giving you the freedom to choose amounts and repayment terms that fit your journey.
Customer
Pay Over Time, Without the Stress.
Turn your purchases into flexible monthly payments that fit your budget.
Flexible Repayment Options
Break down purchases into smaller, manageable instalments of 2, 3, 6, 9, or 12 months. Choose to pay early anytime via PIX with no extra cost.
Fast and Seamless Checkout
Apply once and use your approved limit instantly for purchases on AliExpress. Subsequent purchases are just as quick - no reapplication or additional checks.
Fair, Transparent Rates You Can Trust
Enjoy clear, upfront pricing with no hidden fees.
Financing Options in Brazil,
Made Possible via Our Strategic Partners
AliExpress
Bettr Working Capital
Collateral-free financing for MSMEs
- Loan amounts up to BRL200,000 available
- Attractive interest rate as low as 2.99% per month
- Flexible repayment with loan tenures of up to 12 months
- Easy repayment method via PIX QR
Eligibility
- Legal representative must be 18–60 years old with a valid CPF.
- Company must have operated an AliExpress store as an Authorized Economic Operator for 1+ years.
- For the following company types, a personal guarantee from the legal representative is required:
- Limited Liability Company (Ltda)
- Single-Member Limited Liability Company (EIRELI)
- Individual Microenterprise with Limited Liability (MEI)
- Individual Limited Liability Company (EI)
Documents
- Original identity document (RG) with CPF, or original driver’s license (CNH) with CPF
- Original CNPJ of the company and Articles of Association (constituent documents)
- Brazilian mobile number of the legal representative
Steps to apply
- Log in to your AliExpress Merchant Portal. Locate the "Bettr Working Capital" card under Financing.
- Click on "Activate". You'll be required to submit your personal details to kickstart your loan application.
- After receiving the SMS notification of successful authorization, you can return to the Seller Portal to request the loan.
- Choose the desired loan amount and term within the approved credit limit and proceed to link your PIX key to release the loan amount.
- That's it! Once you agree to the terms, the loan amount will be released to your account.
AliExpress
Bettr Parcela
Buy Now Pay Later
- Flexible repayment tenure of up to 12 months
- Repay early anytime via PIX with no fee
- Minimum amount of BRL500
- Rates from as low as 1.99% per month
This feature is being gradually rolled out and is currently available to selected customers.
Eligibility
- Must have a Brazilian personal tax identification number (CPF)
- Applicable only for purchases made on the AliExpress platform
Documents
Original identity document (RG) or driver's license (CNH) with CPF
Steps to apply
- On the AliExpress app, navigate to “My AE” section to find “Parcela”
- Enter your mobile number. You will receive a verification code via Whatsapp to confirm your details.
- Fill in your basic information, complete with your CPF and preferred instalment options.
- Complete CNH/RG Scan & Facial Recognition by uploading your ID and follow the steps to verify your identity.
- Submit your application.
- Once approved, you can start paying for your purchases with Bettr Parcela.
This feature is being gradually rolled out and is currently available to selected customers.
Apply Now
Not available for you yet? Don't worry. Leave us your details and we'll notify you once it's open for you.
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FAQs
Explore answers to common questions about Bettr’s offerings and services.
How is Bettr's financing different from traditional loans?
Bettr’s financing is embedded directly within partner platforms, so eligible merchants can access capital where they already operate. The application is streamlined, approvals are fast, and funding will be made available quickly without lengthy paperwork.
Who can use Bettr’s financing solutions?
Bettr’s financing is currently only available through our strategic partners in selected countries. We’re working hard to expand our network of partners across the globe!
How can I apply for financing if I’m not on any of Bettr’s partner platforms?
What is "Buy Now Pay Later"? How does it work?
Buy Now, Pay Later lets you split your purchase into smaller instalments over time. You get to enjoy your item immediately while spreading the payment conveniently.
Who can use Bettr’s BNPL solutions?
Our BNPL solution is available through selected strategic partners like AliExpress, with more platforms to come.
