Multiple payments in a single transaction
Batch approval for payroll, suppliers and taxes, with approval limits by user profile.
Generating value Across generations
Performance and agility for your business
Rely on a personal and trusted relationship to provide agility and more efficient solutions for your company's growth.
Pay, collect and reconcile
all in one place
The complete solution your business needs, with products and a specialized team to help you manage your business better.
Collections and reconciliation
Boletos, dunning schedules and automatic reconciliation of incoming payments.
Track everything in the app and internet banking
Balances, statements and approvals wherever your team is.
Business Cash Management
A complete, secure view of all your business payments, in one place.
Credit for
every stage
of your operation
A portfolio of bespoke solutions, with competitive rates and flexible terms, to meet the needs of companies from various sectors through credit lines or the capital market.
Business credit line
Pre-approved limit on the company's account, to cover short-term gaps without structuring a new transaction.
Export credit
Funds to produce, store and ship products abroad, with better negotiating terms and greater competitiveness.
Agribusiness credit
Credit for agribusiness companies, whether in production or services.
Working Capital
Capital to sustain the cycle between paying and receiving, without stopping the operation.
Real estate transactions
Real estate collateral or financing of receivables from the sale or lease of property
Capital Markets
for every stage of your company
Complete capital markets solutions for your company to raise funds, bring forward receivables and finance growth, with structures tailored to each sector and goal.
Your company issues a security and raises money directly from investors. You set the term and conditions, and pay interest over time.
Commercial Note
To raise funds quickly and simply when you need cash in the short or medium term.
Debentures
To raise larger amounts over a long term. The Simple version suits any company; the Infrastructure version is aimed at infrastructure, sanitation, energy and logistics projects, with tax benefits.
Your company has money to receive in the future: rents, installments, credit sales. Here you bring that amount forward and receive it now, without taking out a loan.
CRI (Real Estate Receivables Certificate)
Brings forward what you have to receive from real estate, such as rents or sale installments.
CRA (Agribusiness Receivables Certificate)
Brings forward what you have to receive in agribusiness, such as sales of produce and inputs.
CPR (Rural Product Note)
Lets rural producers get paid today for the harvest they have yet to reap.
FIDC (Credit Rights Investment Fund)
Pools several of the company's receivables into a fund and turns them into cash on an ongoing basis.
Investment vehicles that raise funds from investors to invest in real assets, equity stakes or projects, with governance and specialized management.
FIP (Private Equity Investment Fund)
Investors become partners in your company to support its growth and gain from its appreciation.
FII (Real Estate Investment Fund)
Brings investors together to buy, build or finance real estate.
FIIAGRO (Agribusiness Investment Fund)
Brings investors together to invest in land, infrastructure and agribusiness receivables.
Investments
A diversified product portfolio with different investment strategies and time horizons, and consistent returns for your company to go even farther.
Available categories
Fixed income
CDB ASA
Nominal rates, real rates and inflation.
Multimarket
Access to the market's leading assets, with global liquidity.
Currencies
Funds to diversify beyond the Brazilian real.
Commodities
Nominal rates, real rates and inflation.
Alternatives
Lower-liquidity assets, for a longer horizon.
Cryptoassets
24/7 trading and custody with institutional compliance. Explore Digital Assets
Already a client? Check the new investment options available in our product lineup
Explore strategiesSupply Chain Finance · Early supplier payment
Pay your suppliers upfront without drawing on your cash
Your company gains time to pay and the supplier is paid upfront. Because the rate follows your company's credit, the cost tends to be lower than the supplier could obtain on its own.
How it works
-
01
You register your supply chain
Suppliers approved from invoices already issued.
-
02
The supplier gets paid early
Receives payment upfront, at a rate based on your company's credit.
-
03
You pay on extended terms
Longer payment terms and cash preserved in the business.
Manage your payments
with Cash Management
Choose the payment model best suited to your company and configure layout, transmission and delivery method.
More control over your cash flow
Track every payment in one place, along with the full transaction history.
Operational security
Count on processes and validations that provide greater protection on every payment made.
Your international account
without borders
Send and receive funds in hard currencies, with foreign exchange and transfers made simple.
Global investments
Discover the strategies to diversify your wealth.
Explore strategiesMulticurrency Account
Convert currencies easily, with no complications.
Open the account with your relationship manager
Quick and easy to open the account and start your global exposure.
Everything in one place, in the APP and Internet Banking
Investments, balances and transactions all in the same place.
Foreign exchange without complexity.
Efficiency for your business.
Foreign currency solutions to support your business's international expansion, with specialized service and competitive terms.
International transfers
Send funds to suppliers, partners or companies abroad with ease. Count on automatic classification of the transaction and specialized support for each transfer purpose.
International receipts
Receive funds from abroad with simplified management of conversion and settlement.
Specialized foreign exchange desk
Count on advisory support to structure transactions aligned with your company's needs.
Tailored protection that preserves your legacy
Insurance designed to protect you, your wealth and your routine, with simple enrollment.
Protection for your assets and business continuity, sized to your company's scale and complexity.
Basic coverage includes fire, lightning, explosion and electrical damage to the property, furniture, equipment and inventory.
You can add robbery and aggravated theft, windstorm and flooding, civil liability, loss of rent and loss of profits.
Protection for employees, partners and contractors in the event of an accident, with simplified enrollment and centralized management by the company.
Basic coverage includes accidental death and total or partial permanent disability due to accident.
You can add medical, hospital and dental expenses, daily allowances for temporary disability and funeral assistance.
Group life insurance with a single sum insured set by the company, providing equal support to employees' families with no individual health declaration.
Basic coverage includes natural or accidental death, with compensation paid to the named beneficiaries.
Security for the company's financial commitments: if something unexpected happens to a partner or key person, the outstanding balance is paid off and cash flow is preserved.
Basic coverage includes full or partial repayment of financing and credit transactions in the event of the insured's natural or accidental death.
Protection for financed or high-value properties, safeguarding the asset and the peace of mind of your real estate investment.
Basic coverage includes fire, explosion, collapse, flooding and damage caused by windstorm or lightning.
You can add civil liability, theft of property, glass breakage, rent expenses during reconstruction and 24-hour assistance for emergency repairs.
Become an ASA client
Open your account in just a few minutes
Point your phone camera to download the app
