Distribution Footprint Credivalores serves a broad base with 880,000+ clients and presence in nearly 900 municipalities, supported by 35 service offices, 538 partner-led points of sale, 10 mobile units and 40,000 collection points. A dense distribution network enables widespread cross-sell across TUCRÉDITO, CrediUno and insurance products through trusted channels.

Payroll Lending TUCRÉDITO targets pensioners, public employees, police, military and teachers with payroll-deducted loans. This creates B2B sales opportunities with government agencies, pension funds and large employers to embed lending programs and broaden distribution.

Card and Alliances CrediUno is a Visa card with easy approval and utility bill payments, backed by alliances with mobile providers for credit lines. Opportunities exist to expand cobranded financing with more retailers, utilities and telecom partners, and to grow device financing and service bundles.

Insurance Cross-Sell Voluntary insurance premium financing for home assistance and funeral coverage offers cross-sell potential to existing loan and card customers. Consider partnerships with insurers and pension funds to scale premium financing and bundled protection products.

Digital Growth Leverage the technology footprint to accelerate digital onboarding, underwriting analytics and targeted offers, boosting conversion, retention and regional expansion within the existing network.