Raising above R$ 20 million: What the market really expects from your company

What does the market really expect from your company?

Many companies seek structured credit, believing that their high revenue is enough to earn the trust of financial institutions. However, the market does not lend based on the company's revenue — but rather on how much it demonstrates maturity, predictability, and professional management.

In the current scenario, raising above R$ 20 million requires a combination of technical preparation, consistent governance, and a robust financial narrative. And we are not talking only about numbers: we are talking about trust, structure, and reputation.

Why does the volume change the rules of the game? A raise of R$ 1 million can be done through traditional channels. But when surpassing the R$ 20 million threshold, lenders stop focusing solely on cash flow and start evaluating:

• Governance and internal controls • Corporate structure and legal risks • Compliance, ESG, and reputation • Team’s execution capacity • Strategic vision and growth plan • Accounting and tax organization • DRE models and projected cash flow

In summary: total professionalism.

The 5 pillars of preparation for relevant fundraising

1. Structuring the credit project It’s not enough to say "I need funds." It’s necessary to detail the use of the capital, the rationale behind the operation, and the guarantees involved. Without this, there is no security for the investor.

2. In-depth financial diagnosis Audit the numbers, review assumptions, clear inconsistencies, and create a structure of reliable indicators. This includes CMVs, markups, working capital, margins, and projections based on real data.

3. Governance and corporate organization Companies with confusing corporate structures, lack of councils, and decision-making processes suffer in risk analysis. The presence of a management committee or a structured CFO completely changes the lender’s perception.

4. Financial storytelling You need to tell a story — with a beginning, middle, and end. How did your company get here, where is it now, and where will it go with the raised funds? This technical narrative, well-constructed and based on data, is what convinces the market.

5. Professional communication with the market Who does your company talk to? Which banks, funds, or structures make sense? This is where consultancy comes in. Scudieri not only structures the project but also establishes a direct bridge with institutions that have a real appetite for the type of operation your business needs.

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Real case: "Before, I couldn’t get any credit. Now, it’s overflowing." A few months ago, a company with R$ 200 million in annual revenue came to us after years of failed fundraising attempts.

It had good products, solid commercial results — but disorganized numbers, inconsistent reports, lack of governance, and a reputation for risk in the market.

We took on the challenge.

We cleared the accounting inconsistencies, organized the financial reports accurately, created a minimum level of governance, and structured the narrative for the market.

Result: R$ 25 million raised from three different institutions, with costs lower than expected.

Today, the client — who was previously invisible to banks — has more credit available than needed.

Conclusion: Relevant credit requires maturity The market is more selective, more stringent, and more demanding. But this does not mean capital is unavailable. It is — for prepared companies.

If your company seeks to raise over R$ 20 million, it is essential to have:

• Organized data • Clear strategy • Robust structure • A well-defended project

At Scudieri, we share the risk with you.

We specialize in transforming disorganized companies into solid candidates for structured operations. And we deliver results with method, transparency, and commitment to the long term.

Shall we talk?

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