AI that builds winning extrajudicial recovery plans in hours
Large Brazilian corporations accumulate unsustainable debt loads (R$66B+) forcing complex, time-sensitive creditor negotiations for extrajudicial recovery to avoid full bankruptcy.
Pactora analyzes your debt portfolio using AI trained on Brazilian recovery cases and automatically generates fully compliant extrajudicial recovery proposals under Lei 11.101. It simulates creditor acceptance rates, stress-tests terms, and produces ready-to-submit legal packages, slashing preparation time from weeks to days while improving approval odds.
CFOs, CEOs, and financial teams at large Brazilian companies in energy, agribusiness, and commodities sectors with debt exceeding R$10B
Proprietary RAG system grounded in 400+ anonymized Brazilian recovery precedents combined with real-time legal compliance engine specific to energy, agribusiness, and commodities sectors.
professional/supportive
Secure signup with Brazilian CNPJ verification, multi-user team setup and role-based permissions
Upload balance sheets and credit agreements; AI extracts and categorizes all obligations
Generates multiple proposal variants with optimal haircuts, payment schedules and covenants
Import, segment and track all creditors with contact details and claim amounts
Monte-Carlo style simulation showing predicted approval probability per proposal variant
One-click generation of all required PDFs (plan, maps, creditor lists) with digital signatures
Visual pipeline showing each creditor's status and required approval thresholds
Pull live financials from major Brazilian ERP systems
Sector-specific comparable recovery data (haircuts, timelines)
Chat interface that suggests responses to creditor counter-offers
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| cnpj | text | No |
| sector | text | No |
| debt_amount_brl | int | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| company_id | uuid | No |
| role | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| company_id | uuid | No |
| status | text | No |
| proposed_haircut | int | No |
| ai_confidence | int | Yes |
| simulation_results | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| plan_id | uuid | No |
| name | text | No |
| claim_brl | int | No |
| status | text | No |
| response_data | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| plan_id | uuid | No |
| type | text | No |
| s3_url | text | No |
| signed | bool | No |
| signed_at | timestamp | Yes |
Relationships:
/api/plansCreate new recovery plan with AI generation
/api/simulateRun Monte-Carlo acceptance simulation
/api/creditorsList creditors for a plan with current status
/api/documents/generateTrigger PDF generation for legal package
/api/benchmarksRetrieve sector-specific historical recovery data
/api/webhook/mercadopagoHandle Mercado Pago subscription events
Single user
Up to 5 users
Unlimited users & plans
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 85 | 8% | $265 | $3,180 |
| Month 6 | 680 | 14% | $3,773 | $45,276 |
AI that reads Brazilian law, your balance sheet, and 400+ past cases to build optimized extrajudicial proposals in under 2 hours.
Run targeted LinkedIn campaigns using Sales Navigator to reach CFOs and Treasurers at companies with >R$10B debt in agribusiness and energy (searching for recent 3Q/4Q results mentioning high leverage). Offer a free personalized pilot where we import their latest balance sheet and deliver a benchmark report + draft plan within 48 hours. Simultaneously approach 5 top law firms specializing in corporate restructuring (e.g. firms that represented creditors in recent large cases) and propose revenue-share referral partnerships.
Strong legal team
No self-serve AI tooling, slow and expensive
Instant AI proposals at 1/20th the cost with simulation capability
Global data
Not tailored to Brazilian legal process or language
Deep Brazilian law + sector precedent grounding
Data moat from proprietary recovery outcome dataset that improves AI accuracy with every new anonymized case uploaded by users (flywheel effect)
Record corporate debt in Brazilian agribusiness and energy sectors after 2022-2024 commodity volatility coincides with 2020 updates to bankruptcy law that made extrajudicial recovery far more viable, while GPT-4 class models finally enable accurate legal document RAG.
Tool perceived as giving legal advice leading to liability
Clear disclaimers on every screen, all outputs marked 'for review by counsel', partner with two major law firms for co-branded reviews
Slow enterprise sales cycles
Offer low-friction $39 tier targeted at law firms assisting multiple debtors
AI hallucinations in legal documents
Heavy RAG grounding + human-in-the-loop before final PDF generation
Success: At least 12 indicate they would pay minimum $39/mo and share sample data
Success: At least 7 complete a full plan and rate usefulness 8+/10
Success: 150 signups and 12 paid conversions in first 30 days
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