SRM Ventures is investing R$ 30 million in the fintech company Anbetec to accelerate the company's transition from financial ERP (Enterprise Resource Planning) to a credit-focused operation. The ambition is to reach R$ 150 million in loans granted by the end of 2026.

Anbetec, founded in 2018, markets itself as a company that connects the financial back office of distributors, wholesalers, and retailers. It integrates multiple ERPs, links operations to banks, acquirers, payment slips, Pix (Brazil's instant payment system), and credit cards. From there, it automates reconciliation and auditing of receivables and projects cash flow.

Since April of last year, it has launched a vertical to offer funding within its own operational flow. With the investment from SRM, it aims to scale this new credit pipeline.

The fintech company already processes over R$22 billion annually in financial transactions and registers more than 2 million receivables titles monthly on its platform, with approximately 200 companies as clients. With this investment, it aims to grow 200% this year in both credit and its own client base.

“We had the good problem of needing to invest to meet demand. We have already originated more than R$ 10 million, with an average growth of R$ 2 million per month. With the investment, we want to reach R$ 150 million in credit by the end of 2026,” says Eduardo Mendonça, CEO of Anbetec, to NeoFeed .

The problem perfectly aligned with SRM Ventures' thesis of investing in niche fintechs, typically B2B, that have already found traction and a clear problem to solve. However, they are hampered by a lack of funding to scale.

Instead of acting as a "pure" venture capital firm, SRM's arm combines capital and credit structure to accelerate origination in its portfolio companies, functioning as a private credit firm , focusing on models where credit is part of the product.

“We want to help Anbetec transform this “mass of data” into credit origination, mainly receivables financing. We see that, with the ecosystem they have, they can evolve into structures more typical of the capital market, even functioning like a bank,” says André Szapiro, head of SRM Ventures.

The investment involves a R$ 30 million credit line to enable this acceleration, with a strategic side effect: some of Anbetec's clients may also become SRM clients, due to the demand for credit.

Mendonça, in turn, outlines a layered expansion path: starting with receivables — where the underlying asset is customer turnover — and evolving to a broader range of products, including digital accounts and cards, in an attempt to make Anbetec "the financial system" of the supply chain.

This investment is also another chapter for SRM Ventures, and its three-year, R$500 million fund already has 15 companies in its portfolio, having originated approximately R$1.5 billion in credit. Last year alone, it made eight investments, including Juvo , Blipay, and cashbanx.

According to Szapiro, the fintech companies invested in have generated R$ 900 million in the last 12 months and R$ 500 million in six months. And with the growth of operations, there is room to recycle capital, without the need for new fundraising to maintain the plan for more investments throughout 2026, which will still have many opportunities.

"By 2026, we intend to close 8 to 10 deals and reach a total of R$ 1.5 billion in volume operated by the companies in our portfolio," he states.

The backdrop is a fintech market where customer pain for credit remains significant, but the capital equation has become more difficult. Credit has become expensive, but demand has remained strong even with high interest rates; with the drop in cost, the trend is for the product to gain additional traction.

“Even with interest rates falling, it will be insufficient and the availability of capital will remain restricted. Now, with the asset manager Empirica , acquired last year, we have even more strength to meet this demand,” says Szapiro.