Real Estate Credit

Credits arising from the financing or development of commercial or residential real estate. Includes operations performed in the Real Estate Financial System (SFI) and Housing Financial System (SFH). The borrower can be either an individual or a company.

Corporate Credit

Credits arising from the financing of corporations, usually have as objective the acquisition of fixed assets (Excluding real estate and vehicles, since such belong to another category), but might have other objectives such as: foreign trade, infrastructure and development

Personal Credit

Credits arising from the financing of non specific consumption. Includes financing operations with and without payroll consignment, credit card and overdraft.


Credits arising from the collection of labor charges or a product patent breach.

Vehicle Financing

Credits arising from the financing of vehicles.

Provision of Public Services

Credits arising from the provision of services to the government

Commercial Receivables

Short term credits, usually from 30 to 90 days, arising from the sale of a good or service by a company. Companies regularly discount these assets with financial institutions as a way generating working capital.

Agribusiness Receivables

Credits arising from rural e agroindustrial financing. The borrower can be a person or a company. Targets for this type of financing include: investments, production commercialization and farming costs.

Educational Receivables

Credits arising from the financing of education for individuals as well as payments for educational services provision.

Medical Receivables

Credits include: (i) Contracts for the provision of medical services between medical services providers and health plan administrators. (ii) Health insurance contracts between operators and companies.

Public Sector

Credits that have as debtor the federal, state or municipal governments, as well as companies that are fully owned by the state.