UME

Ume is a Brazilian fintech company that provides a buy-now-pay-later (BNPL) and consumer credit platform for retail merchants. The platform enables businesses to offer embedded financing to their customers at the point of sale, allowing consumers—including those underserved by traditional banks—to access credit for everyday purchases. Ume operates a network of over 6,000 merchants in Brazil and has reached more than 220,000 consumers, with 85% of purchases made by customers without a credit card. The company has raised backing from PayPal Ventures and Valor Capital Group, and is focused on making credit simple and democratic across Brazil.