Capital that grows alongside your business

Azô invests in impact businesses across the Amazon. Our model is based on your business's revenue: you get the funding to grow, you give up no equity in your company, and you are not locked into a fixed repayment deadline.

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States covered

How does the Azô Model work?

The stages of the credit process:

1

Application

In this first stage, the entrepreneur fills out an online form focused on their business model and social-environmental impact. The system runs an automatic screening to check minimum eligibility criteria, regional alignment within the Amazon, and possible preliminary regulatory restrictions.

An online form with automatic eligibility screening by sector, territory and revenue.

2

Analysis & Score

An in-depth assessment across six essential dimensions of the company: the business itself, the profile of the people running it, real financial health (cash flow), the impact generated, the legal standing and the project's overall risks. The consolidated data produces a score and a technical recommendation.

We assess the essentials: your business, the profile of the people running it, the company's financial health and the positive impact it generates.

3

Investment Committee

The company's information and financial analyses are consolidated into a standardized Investment Memorandum. This technical document is presented to an Azô review board, which deliberates and makes the final decision on approval and loan terms.

We present your proposal to our review team. You get an answer within 15 days.

4

Contract

After approval, Azô formalizes the credit offer detailing the use of funds and the acceleration plan. Loan contracts are drawn up with digital signature, along with clear performance and impact targets known as "Marco Zero" (the baseline).

Everything is signed digitally. We agree upfront on the total amount to be repaid and the percentage charged on sales.

5

Development Journey and Disbursement

The business development journey includes market readiness and strengthening of management practices. Access to the investment is part of this journey and is defined according to performance, engagement and the program's eligibility criteria.

Before and during the investment, businesses receive financial and commercial advisory, management support, and connections to buyers and partners.

6

Flexible Repayment

The model is adapted to the regional reality and focused on the business's actual revenue. Collection happens automatically and is integrated into the entrepreneur's cash flow, allowing capital repayment to closely follow periods of higher revenue and the seasonality of the Amazon.

Collection is automatic: you only pay a percentage of your revenue in the months your business earns more.

Who we serve

Impact businesses with consistent growth

Proven revenue

Companies with an active CNPJ (Brazilian business registration) and recurring monthly gross revenue, ready to grow.

Measurable impact

Businesses that create value for communities and the environment, with traceable indicators.

Priority territories

In this cycle, the Thematic Call is directed exclusively to the territories and value chains defined in the current public call. The platform will continue accepting registrations for future acceleration and investment opportunities.

Operating in the Legal Amazon: the North Region, Maranhão and northern Mato Grosso.