Tino

Tino is a Brazilian B2B fintech company headquartered in São Paulo that provides intelligent credit infrastructure specialized for the food and beverage distribution sector. The platform allows merchants to use their credit card receivables as collateral to access working capital and pay suppliers on flexible terms, eliminating the risk of non-payment for distributors through its Venda Garantida (Guaranteed Sale) product. Tino's AI-powered credit analysis engine evaluates CNPJ-level business data to recommend optimal credit limits and payment terms, connecting data, automation, and trust in a single workflow. The company also provides a complete management platform including a finance dashboard, salesperson app, and customer portal for end-to-end credit operations.