Buy-side credit analysis, corporate governance and legal expertise.

2CM Consultoria is an independent advisory firm. We combine an institutional investor perspective with tailored execution, outside standardized banking processes.

We work to expand access to institutional credit for Brazilian SMEs, applying the analytical depth typically reserved for large corporates.

Guilherme Costa

Guilherme Costa

Founding Partner · Credit & Structuring

Economist with 13+ years of experience in credit analysis. Previously at SR Rating and AZ Quest, where he was responsible for the approval and monitoring of more than R$ 2.5 billion (BRL) in assets. Developed a proprietary internal rating model and scoring tools. Specialist in structured transactions, securitization and due diligence. B.A. in Economics from UFRJ and an MBA in Corporate Finance from PUC-Rio.

Francisco Costa

Francisco Costa

Founding Partner · Risk & Governance

Engineer with 20+ years of experience in governance, risk, compliance and data analysis. Served as interim risk manager at Petrobras Distribuidora, compliance director in the financial sector and risk specialist at BNP Paribas. B.Eng. from UERJ, with an MBA and a master's degree in Economics from Ibmec.

Eduardo Muniz

Eduardo Muniz

Advisor · Legal risks

Attorney with 15+ years of experience advising companies of all sizes and partner at a tax law firm. Graduate-level lecturer at FGV, IBET and Ibmec. Master's degree in Tax Law from USP, with additional studies at Oxford. Postgraduate degrees from PUC-Rio and IBET. Bachelor of Laws from UFRJ.