Revenue-based financing unlocked by your sanitation tariff contracts
Brazilian sanitation companies must repeatedly seek large shareholder capital injections due to weak capital structures that limit infrastructure investments
PipeFund connects directly to municipal payment data and tariff collection systems to underwrite revenue-based financing without requiring shareholder guarantees. Companies receive capital for infrastructure within days. Repayment is a small percentage of collected tariffs, automatically deducted. Eliminates repeated equity asks by turning predictable cash flows into growth capital.
Executives and operators at mid-sized Brazilian sanitation/infrastructure companies seeking expansion capital
First platform to use Brazil's Open Finance rails specifically for sanitation tariff predictability scoring — generic RBF platforms cannot underwrite municipal payment risk accurately.
supportive
Connects to municipal systems and assigns real-time credit score based on payment history
Apply for capital in under 10 minutes with auto-filled data
Deducts agreed percentage from incoming tariff collections
Monitors 200+ municipalities for payment delays
Multiple funders bid on your deal based on your score
Upload and parse concession contracts for key terms
Overview of all active facilities and projected repayments
Shows savings from paying early
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| cnpj | text | No |
| tariff_score | int | Yes |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| company_id | uuid | No |
| amount | int | No |
| repayment_percentage | int | No |
| status | text | No |
| disbursed_at | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| facility_id | uuid | No |
| municipality | text | No |
| amount_collected | int | No |
| collection_date | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| avg_payment_delay | int | No |
| last_updated | timestamp | No |
/api/underwriteRuns tariff scoring algorithm
/api/offersReturns available RBF offers for a company
/api/webhook/collectionReceives tariff collection events from banks
1 municipality
Up to R$2M in facilities
No limit
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 45 | 11% | $310 | $3,720 |
| Month 6 | 310 | 24% | $1,860 | $22,320 |
Financiamento baseado em receita real de saneamento. Sem aval de sócios. Dinheiro na conta em dias.
Partner with two regional sanitation operators already using Omie accounting. Offer free underwriting and R$50k pilot facility funded by a sympathetic impact fund. Attend regional sanitation conferences in interior São Paulo and Minas Gerais to demo live tariff scoring. Leverage warm intros from BNDES alumni network.
Brand recognition in Brazil
Traditional loan products, not RBF tied to tariff data
Automated underwriting using real municipal payment data
Strong investor network
Dilutive and slow
Non-dilutive capital available in days instead of months
Exclusive partnerships with municipal payment platforms and proprietary tariff reliability dataset that improves with every repayment cycle.
Brazilian Open Finance regulation matured in 2023-2024, making real-time tariff and municipal payment data accessible for the first time. Combined with the sanitation law's push for private investment.
Regulatory changes to Open Finance consent rules
Maintain multiple data connection methods and strong legal counsel
Municipalities delay payments beyond model predictions
Build conservative scoring with 30% buffer and offer insurance rider
Platform capital runs out
Start as pure marketplace connecting companies directly to existing RBF funds
Success: At least 3 signed pilot agreements
Success: All 3 companies renew for second round
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