About Capitalis
Who we are
Capitalis is the software product of Cabral & Morais Invest Fomento Mercantil LTDA, a Brazilian company registered under CNPJ 51.761.319/0001-70, headquartered at Rua Tenente Coronel Roberto, 29, Centro, Pará de Minas, Minas Gerais, 35660-011, Brazil. The company was born inside a working receivables-finance operation: the people writing the system run a factoring company, and every screen exists because a real desk routine needed it.
What Capitalis does
Capitalis is a Factoring as a Service (FaaS) platform sold as a fixed monthly subscription to receivables-finance companies in Brazil. The client factoring company is the one that buys the receivable, advances the money, takes the credit risk, registers the invoice and answers to the regulator. Capitalis is the tool it uses: twelve modules covering origination, operations, registry, collections, bank reconciliation, escrow (trustee), confirmation with the debtor, reporting, an AI assistant, integrations and settings, with every client's data isolated inside the database itself and an audit trail that cannot be erased.
What Capitalis does not do: it does not buy receivables, does not take credit risk, does not hold third-party money and is not a regulated factoring entity. Boleto and Pix settle into the client's own bank account; the platform issues the instruction, it never holds the funds.
How the company makes money
A fixed monthly subscription per factoring company. Third-party fees, such as registering a boleto, are passed through at cost per event as a separate, identified line on the invoice, never as a percentage of the amount financed. In receivables finance the ticket is large and the spread is thin: an ad valorem fee would make the client's operation unviable, and a cost that breaks the client breaks the sale.
What stage the product is at
Pre-beta, and we say so everywhere. The foundation is built and runs in a staging environment operated by the founder's own factoring company with demonstration data. Integrations with banks, credit bureaus, electronic signature, notary and invoice registries are in sandbox and homologation, and only go live in production with each provider's contract and credentials. There is no production customer yet, and no case study, customer logo or adoption number is published here.
Security and compliance
Forced per-tenant isolation in the database, an append-only audit trail with sealed archiving, encryption in transit and for sensitive fields, and a public vulnerability register with severity scores and remediation deadlines. The certification roadmap, including what already exists and what is still missing, is at Security & Compliance (Portuguese).
How to reach us
Sales and demos: comercial@sistemacapitalis.com.br. Privacy and data protection: dpo@sistemacapitalis.com.br. Every channel, with response times, is listed on Contact.