Credit analysis for SMEs in the Brazilian market is undoubtedly, one of the biggest challenges for companies in the financing and loan market. The available information is usually weak, without credibility for an assertive credit analysis. In this scenario, CashU developed proprietary technology, solving these asymmetries with reliable and real information. Applying the most advanced techniques of Machine Learning and Artificial Intelligence, we achieved some results, such as a reduction of over 97% in defaults, an increase in operating margin of more than 8%, leveraging credit limits more than 150% and increasing the speed of transactions