ALOS analyzes your business loan agreements, compares interest rates and terms with relevant market benchmarks, and identifies potential opportunities to improve your business credit score and achieve better financing solutions.
The challenge
Select a view to explore the Business Loan Advisor.
Business loan agreements spread critical information across pages of financial and legal language. ALOS transforms them into a clear loan summary, practical insights, market comparisons, and guidance to help you work toward a stronger business credit score.
Understand your business loan terms, compare them with relevant market benchmarks, and see how much more they might be costing you.
Get insights into each loan component: amount, interest rate, term, payment amount, collateral, and guarantees.
Build a clearer business credit profile and identify opportunities to strengthen it, helping you pursue better financing solutions.
How we help
Start with your Free Business Loan Report. Continue with your Business Loan Advisor. Access capital when your company is ready.
Understand what your business loans really cost, compare rates and terms with the market, and identify potential opportunities to reduce your cost of debt and free up cash flow.
When your company needs financing, ALOS already has your information and, with minimal effort from you, prepares your request, identifies suitable lenders, and helps you pursue better proposals.
How it works
Start with your loan agreements. Continue with ongoing insights and financing opportunities.
The borrower securely shares one or more existing business loan agreements.
ALOS organizes the rates, fees, balances, payments, maturities, collateral, and guarantees.
Receive a Business Loan Report with a clear summary, market comparisons, and potential improvement opportunities.
Your Business Loan Advisor monitors relevant changes and helps identify renewal, refinancing, and new financing opportunities.
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.
ALOS Insights
Practical guidance for navigating financing, growth and lender expectations.
Financing Solutions
Refinance, use collateral carefully, match repayment to cash flow, and compare lenders.
Access to Capital
Compare lines of credit, term loans, CSBFP, equipment, receivables and more.
Access to Capital
Compare eight collateral types and how each can affect business borrowing costs.
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.
