Creditas

About Creditas

Creditas is a digital financial platform that helps thousands of people reach personal and business goals through flexible loans backed by different types of collateral. The company was founded in Brazil in 2012 by Sergio Furio, with a clear purpose: “to improve people’s financial well being by making access to credit more transparent and accessible.” Today, Creditas offers loans backed by real estate, vehicles, or payroll. This allows customers to access higher amounts, flexible terms, and lower interest rates. The platform also gives users full visibility over their loans through its app, with pre approval processes that can happen in as little as 24 hours. That mix of speed, clarity, and better access to credit has helped Creditas grow across the region. And beyond individual loans, the company also offers solutions for businesses, including financial benefits for employees such as payroll loans, salary advances, and access to Creditas Store.

For companies, this kind of benefit can be a strong part of the employee value proposition. Because people do not only look at salary anymore. They also look at support, flexibility, useful benefits, and tools that help them manage real life needs. Bills do not wait politely in a chair. They show up and knock like they own the place. As Creditas grew in Mexico, the same logic started to apply internally. If the company was helping people and businesses access better financial tools, its own Human Resources operation also needed the right systems to support growth. Manual processes can work for a small team. But once the team starts growing quickly, those same processes begin to feel like trying to carry water in a paper bag.

What challenges were they facing in payroll and Human Resources management?

Before implementing Runa, Creditas did not have specialized Human Resources or payroll software. All personnel information was managed through an internal database similar to an Excel file. That meant highly manual processes, limited scalability, and a lot of updates that depended on people doing everything by hand. Each registration, termination, or modification required constant attention. Every change had to be updated manually. Every movement needed review. And that created operational friction, especially as the team started growing. As Lucerito Rojas Rangel explains, “the process was very manual, and the information was not clear or accessible for the team.” 

That is the kind of issue that can look manageable from far away. A file here. A database there. A few updates every now and then. Nothing too dramatic. But when the company grows, the cracks start to show. The file gets heavier. The questions increase. The risk of missing something goes up. And suddenly, HR is spending too much time trying to keep the information alive, like a plant that needs water every 20 minutes.

This challenge became much more visible in 2020, when Creditas began growing quickly in Mexico. The team went from 2 employees to more than 50 in a short period of time. That kind of jump changes everything. What worked for 2 people does not always work for 50. And it definitely does not work in the same way when more hires, terminations, salary changes, vacation days, disability leave, and personal days enter the picture. For Creditas, it became essential to have a robust platform that could register employees and team events in an organized and reliable way. The company needed more than a place to store information. It needed a system that could support the pace of the business without making the People team carry the whole operation on its shoulders.

How has Runa supported Creditas in its growth?

With Runa, Creditas was able to automate key Human Resources processes such as salary modifications, data updates for new hires or terminations, and the registration of relevant team events. This helped the company move away from manual work and build a much clearer way to manage employee information. The platform made it possible to centralize all information in one place, with easy access for both the People team and employees. As Lucerito Rojas Rangel says, “today, we can keep an accurate record of all team events and movements without depending on manual processes.”

That change matters a lot in a growing company. When information is centralized, the team stops chasing files, messages, and old versions of documents. Everyone works with more clarity. HR has better control. Employees can access what they need. And the process no longer feels like a treasure hunt where the map was saved in someone’s inbox. Because Runa is cloud based software, employees can log in from any device to consult and validate their profile information. That gives people more autonomy and reduces the number of small questions that usually land on the People team.

At the same time, multiple team members can work inside the platform at once. That makes processes more agile, more collaborative, and easier to manage. For a company that grew quickly in Mexico, this kind of visibility helped reduce friction and keep operations moving without adding extra layers of complexity. In simple terms, Runa helped Creditas put order where there used to be manual effort. It gave the team a cleaner way to manage information, movements, and updates. And when a company is scaling, that kind of order is not a luxury. It is the difference between growing with control and growing with a backpack full of loose papers.

What results have they achieved by using Runa?

One of the main benefits Creditas highlights is how easy the platform is to adopt. Even people who had never used a Human Resources system before can quickly learn how to use Runa and find the information they need without complications. That ease of use is important because adoption can make or break a tool. A platform can have great features, but if the team does not use it, it becomes another icon on a screen. With Runa, the experience was simple enough for employees and practical enough for the People team. Automation has also been key to reducing errors and saving operational time. As Lucerito Rojas Rangel explains, “before, changes such as a minimum wage update meant modifying employee by employee; with Runa, this is updated automatically.” That is a huge shift. Updating employee by employee is slow, repetitive, and easy to get wrong. It is the kind of task that eats time quietly, like a tiny office monster with a calendar invite. With Runa, Creditas can manage these changes in a more efficient and reliable way.

Thanks to these results, Creditas has made its processes more transparent, scalable, and aligned with the company’s pace of growth. The People team has more control. Employees have clearer access to information. And the company can manage Human Resources processes with far less dependence on manual work. This progress also led Creditas to decide to transition its full payroll processing to Runa, consolidating the platform as a strategic ally in its operation. For a company growing quickly in Mexico, that decision makes sense. Payroll and Human Resources are not side tasks. They are part of the foundation that keeps the company moving. When that foundation is clear, reliable, and easier to manage, the business can grow with much more confidence. That is what Runa helped Creditas build: “a stronger, more organized, and more scalable People operation for a team growing fast.”