Portão 3

Portão 3 identified a critical inefficiency in how Latin American companies managed corporate payments. ​​‌‌‌‌‌‌‌​‌‌​​‌​​​​​​‌‌​‌‌‌​​​‌‌Mid-market businesses across Brazil and the region faced fragmented payment processes—juggling multiple bank accounts, manual reconciliation, and limited visibility into spending across departments. Finance teams, particularly controllers and CFOs at companies with 50-500 employees, experienced this most acutely, spending disproportionate time on administrative tasks rather than strategic work. The problem was measurable: companies could quantify days lost to payment processing, reconciliation errors, and the cost of maintaining multiple banking relationships. While alternatives existed—traditional corporate banking solutions and basic accounting software—they remained clunky and designed for larger enterprises with dedicated finance operations. Early validation came through founder credibility: Fernando's prior exit and CPO experience at major consulting firms, combined with Bianca's direct payments experience at Cargill, signaled deep domain expertise. Their bootstrapped growth trajectory and Y Combinator S21 acceptance demonstrated that the market recognized both the problem's severity and the founders' ability to execute a solution comparable to Ramp's US success.