ALOS monitors rates, terms, collateral, and your credit profile to identify opportunities to reduce costs and outstanding debt. When you need capital, we already have your information organized and seek suitable lenders.
The challenge
What we see
Real estate collateral is pledged.
ALOS helps you monitor, compare, and act.
Illustrative values and terms.
High rates and pledged collateral weigh on many companies’ cash flow. Approaching banks one by one takes time, and without comparing more lenders, opportunities to pay less can go unnoticed.
High rates and short maturities weigh on cash flow, while many companies remain in facilities that no longer fit their current needs.
Assets already pledged to one lender can restrict new facilities and reduce room to negotiate better terms.
Seeking capital under pressure is expensive. Planning ahead creates time to compare and negotiate.
How we help
From monitoring existing loans to seeking a new financing solution.
When your company needs capital, ALOS already has the information organized to prepare the financing request, seek suitable lenders, and help you compare offers.
Our technology continuously monitors your company’s debt profile and market conditions to identify opportunities and support proactive action.
How it works
One connected journey from access to capital to ongoing debt review.
The borrower shares documents, financial information, its financing needs, and the purpose of the request.
ALOS reviews the data and prepares the intake and pre-qualification materials to present the opportunity.
The lender reviews the opportunity and decides on approval, structure, pricing, and terms.
After closing, ALOS monitors the company’s credit profile and debt to identify opportunities and prepare for its next capital need.
Debt levels, borrowing costs and cash-flow pressure on Brazilian businesses.
Total business debt, counting bank credit, bonds and foreign loans
R$7.2 trillion
54.7% of GDP, of which approximately R$2.7 trillion is bank credit
Brazilian Central Bank, Jun 2026
R$99 billion
spent on financial expenses in Q2 alone by 268 B3-listed companies, up 12% year over year
Elos Ayta, Q2 2026
Average interest rate on non-earmarked business credit
25.4% p.a.
Brazilian Central Bank, Jul 2026, Selic at 14% p.a.
49%
of the 6,341 companies in judicial reorganization are mid-sized businesses
Forbes Brazil, Q2 2026
of industrial firms with trouble accessing credit cite high interest rates as the biggest obstacle
80%
CNI, Special Credit Survey, Jan 2026, about 1,800 industrial firms
The R$7.2 trillion total includes large companies. The middle-market share is smaller, and no consolidated public figure is available.
Debt levels, borrowing costs and signs of cash-flow pressure on Canadian businesses.
Loans held by private non-financial corporations, excluding mortgages
C$1.06 trillion
Up 3.6% year over year. Their credit market debt equals 72.5% of GDP
Statistics Canada, Q2 2026
4.0%
60+ day delinquency rate on business financial credit products, the highest since 2019
Equifax Canada, Q2 2026, up 19.7% year over year
Big-bank prime rate, with the Bank of Canada policy rate held at 2.25% for seven straight decisions
4.45%
Bank of Canada and major banks, Sep 2026
+30%
in business restructuring proposals year over year, while bankruptcies fell 8.1%
Office of the Superintendent of Bankruptcy, Q2 2026
of businesses expect cost-related obstacles over the next 3 months, a category that includes interest rates and debt costs
59.8%
Statistics Canada, Canadian Survey on Business Conditions, Jul-Aug 2026
Loan figures cover private non-financial corporations of all sizes. There is no consolidated public figure for the middle market alone.
Our purpose
We help your company make informed debt decisions and approach the credit market prepared.
Professional experience and education
Company and university names indicate team experience and education only; they do not imply endorsement.
Our experience
Experience from people who understand credit
Our team brings experience in credit structuring, financial operations, and technology at financial institutions and businesses of different sizes.
Canada
United States
Brazil
Mexico