
Credit for Retailers – Boost Your Sales and Increase Your Profitability
Become a SEMEAR Partner and offer financial solutions to your customers!
At SEMEAR, you can count on flexible credit solutions that allow you to pay for your purchases in installments at partner retailers, without bureaucracy.
Consumer Direct Credit (CDC) – Benefits for Your Retail Business
With SEMEAR’s CDC, your store offers installments without using your own capital, increasing conversion rates!
Customer requests credit
Easy installments
Store receives payment upfront
Increased cash flow
Benefits of CDC
- Flexible payment options for customers → more sales
- Upfront payment → financial predictability
- SEMEAR funding, keeping your capital free for new opportunities


Personal Loan (PL) – Monetize Your Point of Sale
PL is an excellent option for retailers looking to increase revenue without tying up their own capital.
Differentials of PL for Your Business
- Operational efficiency, with agile credit granting
- In-store payment, offering convenience for customers
- Personalized consulting with strategic guidance
- Guaranteed profitability, strengthening your cash flow
SEMEAR CDC Credit Lines
- Comparative Table – CDC Options for Retailers
- Structured CDC – Ideal for large retail chains
- Traditional CDC – Classic installment model


Generate more opportunities with SEMEAR!
Discover other retailers who are enhancing their customers’ financial journey with SEMEAR.
SEMEAR Business Referrals – Expand Your Financial Reach
We work with business referral partners across Brazil and invite you to join SEMEAR!
Advantages of Being a SEMEAR Business Referral Partner
- Nationwide presence, supporting clients in every region
- Strategic partnership with a solid and reliable bank
- Expanded opportunities with a growing service portfolio
