SRM Ventures lends money directly to a startup's customers instead of to the startup itself, letting it keep equity upside while helping companies become the main financial provider for specific groups like veterinary clinics, healthcare clinics, lower-income consumers, and distributors or wholesalers. It is backed by SRM Asset, a long-standing credit specialist in Brazil, which gives it structuring experience and access to capital-markets tools like FIDCs that portfolio companies can eventually launch on their own as they grow.