Onboarding and Due Diligence
Every operator starts with Travessia's onboarding and due diligence process.
Operators that want to access capital through Travessia are required to submit business, financial, legal, tax, and operational information. The onboarding system performs standard KYB checks and requests access to the data sources needed to evaluate the operator.
This may include:
- NF-e access
- Open Banking access
- Financial statements
- Tax documents
- Legal documents
- Corporate information
- Operational information
- Existing debt and financing information
The purpose is to verify that the operator is legitimate, that its finances can be tracked, that its invoices and receivables are real, and that there are no obvious legal, tax, or operational issues before capital is made available.
Once the information is submitted, the system produces an internal score and risk profile. The Travessia team can then request additional information, accept the operator, reject the operator, or continue diligence.
If the operator is approved, Travessia determines the size of the credit opportunity and the rate the operator is willing and able to pay. All onboarding data feeds into the Travessia data layer, where it can be reused by additional Travessia products.
Problem Solved
Traditional investor due diligence is repetitive and inefficient. Each investor often runs its own process, asks for similar documents, and tries to understand the same operator from scratch.
Travessia standardizes this process. Instead of every investor repeating the same diligence work, Travessia creates a structured onboarding process, collects the key data once, verifies it through external sources where possible, and turns it into easier-to-understand risk metrics.
This makes diligence faster for sophisticated investors and more accessible for less sophisticated investors who need clear, standardized risk information.