Henrique Dubugras

And a lot of founders don't want to do that.

And even if they want to do that, the limits that they get are so low because it's the limit you would get in a personal credit card.

But, you know, as a startup, after you raise millions of dollars, you may need to invest much more than your limit supports.

I think 200 and something.

So I think for a few reasons.

One is you as a fintech company, to all the banks we work with and things like that, you know, they don't want to work with a company that's going out way tomorrow.

So I think just being a stronger counterpart in general for fintech is super important.

Second is, remember, we're actually lending money for 30 days.

So it's a corporate charge card.

So people have to pay it back in 30 days.

But for 30 days, we're actually lending money.

And we have a warehouse line, which means we take debt from another bank to be able to lend this money.

But it's not 100%.

I don't get 100% debt.

A small percentage, I still have to finance.

I think it's 15% or something like that.

It's pretty standard for FinTech.

Exactly, exactly.

Part of the capital will go to that.

Different than Cabbage and other online lenders, because our receivable is so short, right?