Simple Credit for
Business Growth

Pear Finance empowers small businesses in Sao Paulo with fast, accessible, and transparent credit solutions. No complex banking bureaucracy, just simple finance.

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Our Profile

Financing the Local Economy

PEAR FINANCE - EMPRESA SIMPLES DE CREDITO LTDA is a specialized credit institution based in Taboao da Serra, Sao Paulo. Led by Jose Ronildo Aguiar Pereira, we focus on providing "Nondepository Credit Intermediation" tailored for micro and small enterprises.

As an "Empresa Simples de Credito" (ESC), our mission is to cut through the red tape of traditional banking. We offer direct lending solutions that fuel local business operations, inventory purchases, and expansion projects.

We believe that financial health should be straightforward. Our approach is built on transparency, speed, and a deep understanding of the challenges faced by local entrepreneurs.

Small Business Finance
What We Offer

Business Lending Solutions

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Working Capital Loans

We provide short-term credit to help you manage cash flow, pay suppliers, or cover operational expenses. Fast approval keeps your business moving.

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Growth Financing

Ready to expand? We offer tailored financing for equipment purchases, renovations, or opening new locations within the Sao Paulo region.

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Direct Credit Intermediation

We act as a direct lender without the deposit-taking function of a bank. This allows us to offer competitive rates and personalized repayment terms.

Why Pear Finance

The Simple Choice

Local Focus

We operate exclusively in Taboao da Serra and surrounding areas, ensuring we understand the local market dynamics better than national banks.

Speed & Agility

As a nondepository institution, we don't have layers of bureaucracy. Decisions are made locally and quickly, getting funds to you when you need them.

Transparent Terms

No hidden fees or confusing fine print. We pride ourselves on clear, simple credit agreements that help your business thrive, not struggle.

How It Works

3 Steps to Funding

1

Application

Submit a simple application with your business details and funding requirements.

2

Analysis

Our team reviews your business health quickly, often providing a decision within 24-48 hours.

3

Funding

Once approved and signed, funds are transferred directly to your business account.

Get In Touch

Grow Your Business

Headquarters

TABOAO DA SERRA, SAO PAULO
Brazil

Electronic Mail

info@pearfinanceempresasimples.info

Principal

Jose Ronildo Aguiar Pereira