CredAluga
CredAluga is a Brazilian B2B2C fintech founded in 2022 that provides digital rental guarantee solutions — subscription, cashback, and CVM-regulated investment fund variants — exclusively through a 2,000+ partner real estate agency network, replacing traditional guarantors with proprietary credit analysis and antifraud technology.
- Company typePrivate
- Founded2022
- HeadquartersBarueri, Brazil
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What CredAluga does
CredAluga is a Brazilian B2B2C fintech founded in 2022 that provides digital rental guarantee solutions exclusively through a partner network of real estate agencies (imobiliárias). The company replaces traditional rental security mechanisms — personal guarantors (fiador), cash deposits (caução), and expensive seguro-fiança — with a digital platform offering modular guarantee products: Fiança CredAluga (CredFiança, monthly subscription tiers from 8% to 15% of rent with coverage up to 40x monthly rent), CredReembolsa (a cashback variant from 6%), and Fundo CredAluga (a CVM-regulated investment fund-based guarantee structured as cessão fiduciária de quotas under Lei do Inquilinato art. 37, where tenant contributions are invested in fixed-income securities such as Tesouro and CDBs). The underlying technology stack combines a proprietary credit analysis engine (processing CPF, banking data, credit bureau, and judicial records within minutes) with multilayer antifraud systems including facial biometric verification via Unico and automated nationwide court action scanning for eviction and non-payment records. The platform also includes digital contract signing, automated payment processing, CRM-like agency workflows, and a partner app at app.credaluga.com.br.
The business model monetizes through four streams: recurring monthly subscription fees from tenants (8-15% of rent), one-time setup fees up to R$260, fund management economics on the regulated Fundo CredAluga (with managed assets reportedly growing 8.4% in 7 months and historical yields above 7.2% p.a.), and insurance brokerage commissions through Corretora CredAluga (residential coverage plus assistance services such as locksmith, plumber, electrician). Go-to-market is exclusively B2B2C: a direct sales team approaches real estate agencies, onboards them onto the platform, and provides ongoing account management — CredAluga deliberately does not compete with agencies in direct-to-tenant listings. Distribution is amplified through the CUPOLA strategic equity partnership (August 2024) which gives CredAluga access to CUPOLA's agency network, training programs, and the annual CUPOLA Summit (~2,500 attendees); the Clube CredAluga loyalty program with tiered benefits; the Circuito do Aluguel regional event series; and joint GTM with OLX Group portals (Zap, OLX, Viva Real) following Grupo OLX's $5M strategic investment in November 2025.
The company has scaled to 2,000+ partner real estate agencies across 23 of Brazil's 27 states, with 60,000+ contracts under Fiança CredAluga, 30,000+ active guaranteed assets, and R$30-40M+ under management in Fundo CredAluga (against a stated target of R$1 billion AUM by 2027). Total disclosed funding is approximately R$87 million across a R$22M seed round (October 2024, Caravela Capital led), R$60M Series A (September 2025, Provence Partners led), and a $5M strategic investment from Grupo OLX (November 2025). The co-founders Daniel Santos and Guilherme Blumer serve as co-CEOs; the company targets R$400M revenue and 15% market share by 2029, with stated growth of 200% YoY as of the Series A — well above the 140% Endeavor Scale-Up cohort average.
CredAluga firmographics
Firmographics- Name
- CredAluga
- Legal name
- CredAluga S/A
- Website
- https://credaluga.com.br
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- CredAluga is a Brazilian B2B2C fintech founded in 2022 that provides digital rental guarantee solutions — subscription, cashback, and CVM-regulated investment fund variants — exclusively through a 2,000+ partner real estate agency network, replacing traditional guarantors with proprietary credit analysis and antifraud technology.
- Ownership category
- akta.pro rank
CredAluga industry classification
Industry- Product category
- Rental Guarantee Fintech
- NAICS
- Real Estate Credit (522292), Nondepository Credit Intermediation (5222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Commercial Real Estate (CRE) Mortgage Origination (FSALADAA)
Keywords
Where CredAluga is headquartered
LocationHeadquarters
- HQ city
- Barueri
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
CredAluga business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Fiança CredAluga - Monthly Fee: CredAluga charges tenants a monthly fee (percentage of monthly rent) for the rental guarantee. Rates range from 8% to 15% per month depending on coverage plan chosen. The fee is recurring for the duration of the lease contract. Real estate agencies receive a recurring commission throughout the contract lifetime.
- Fundo CredAluga - Management/Performance: Tenant invests an upfront amount in a regulated investment fund (managed by a third-party asset manager). CredAluga earns from fund management economics and spread between guaranteed return and actual yield. Tenant receives investment proceeds back at contract end. Fund grew +8.4% in 7 months (as of July 2025) with historical average yield above 7.2% p.a.
- Setup Fee: One-time platform setup fee of up to R$260 charged to the tenant at contract signing, as noted in the FAQ. Covers platform usage costs.
- Corretora CredAluga - Insurance Products: Resident insurance products (fire, explosion, and other damage coverage) plus assistance services (locksmith, plumber, electrician) offered through a brokerage partner. Revenue from insurance commissions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | credfiança (Fiança Onerosa): Traditional rental guarantee, modular format, from 8% monthly |
| Subscription | Monthly | credreembolsa (Smart guarantee with cashback): from 6% monthly |
| Hybrid | Pay-as-you-go | fundo CredAluga (Fund-based guarantee): No monthly fee |
| Subscription | Monthly | CredPlus: 9% per month, up to 25x coverage |
| Subscription | Monthly | Super: 10% per month, up to 30x coverage |
| Subscription | Monthly | Super+: 11% per month, up to 32x coverage |
| Subscription | Monthly | CredSuper: 12.5% per month, up to 35x coverage |
| Subscription | Monthly | Full: 15% per month, up to 40x coverage |
| One time/ perpetual license | Pay-as-you-go | Setup Fee (Taxa de Setup) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels12 records
CredAluga product offering
Product offeringCore offering
CredAluga provides digital rental guarantee solutions (fian\u00e7a locat\u00edcia) that replace the traditional personal guarantor (fiador) for tenants of partner real estate agencies in Brazil. Its modular product suite includes CredFi\u00e2n\u00e7a (traditional monthly-fee guarantee from 8%), CredReembolsa (cashback guarantee from 6%), Fundo CredAluga (CVM-regulated investment fund guarantee without monthly fees), and tiered plans (CredPlus, Super, Super+, CredSuper, Full) with coverage up to 40x monthly rent. The company operates exclusively through a B2B2C model via 2,000+ partner real estate agencies across Brazil.
Product overview
CredAluga is a fintech ecosystem offering financial solutions for rental guarantees, operating in a B2B2C model exclusively through partnerships with real estate agencies. The core portfolio consists of Fiança CredAluga (modular rental guarantee with products CredFiança and CredReembolsa featuring cashback), Fundo CredAluga (CVM-regulated investment fund guarantee without monthly fees), and multiple plan tiers (CredPlus, Super, Super+, CredSuper, Full) with varying coverage levels and rates. The ecosystem extends through add-on services including Corretora CredAluga (insurance brokerage), Clube CredAluga (partner loyalty program), and Circuito do Aluguel (educational event series), all supported by proprietary credit analysis technology, anti-fraud systems, and digital customer management platforms.
Differentiator
Problem solved
Functional benefit
Brands
- Fundo CredAluga: Innovative rental guarantee fund where tenants invest a sum that serves as collateral while earning returns through fixed-income investments (Tesouro/CDBs); regulated by CVM, eliminates need for guarantor or credit analysis
- Fiança CredAluga
- Clube CredAluga
- Circuito do Aluguel
- Corretora CredAluga
Products and services
- Fian\u00e7a CredAluga (CredFi\u00e2n\u00e7a) Modular rental guarantee product where real estate agencies and tenants combine solutions based on coverage needs; features monthly rates from 8%, coverage up to 35x monthly rent, and recurring commission for the partner agency throughout the contract. For tenants needing a fiador replacement and agencies seeking guaranteed rent.
- CredReembolsa (Cashback Guarantee) Smart rental guarantee with cashback for tenants at monthly rates from 6%, designed to balance tenant savings with real estate agency security.
- Fundo CredAluga CVM-regulated investment-fund rental guarantee where the tenant invests a sum (agreed with the agency) in low-risk fixed income (Tesouro/CDBs) during the lease; no monthly fee, no credit analysis required, fully redeemable at contract end with yield (historical average above 7.2% p.a.). Provides predictability for agencies and potential returns for tenants.
- Corretora CredAluga Insurance brokerage offering residential coverage for damage from fires, explosions, and other unforeseen events, plus emergency assistance services (locksmith, plumber, electrician). Sold to tenants of partner agencies; revenue earned via insurance commissions.
- Clube CredAluga Exclusive community and loyalty program for partner real estate agencies offering expert-led trainings, exclusive event discounts and invitations, monthly bonuses, and production-based recognition with a tiered benefits system updated quarterly.
- Circuito do Aluguel Proprietary regional event series (roadshow) bringing together real estate agencies for innovation, management, and rental market content, with networking and differentiated programming held in major Brazilian cities.
- Customer Portal (Area do Cliente) Digital portal for partner real estate agencies to manage clients and properties, and for tenants to access statements and manage payments in one place.
- Partner App (app.credaluga.com.br) Operational web application at app.credaluga.com.br for real estate agencies to manage active guarantee contracts, report terminations, flag tenant non-payment, and access day-to-day operational tools.
Companies that use CredAluga
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
CredAluga technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature4 records
CredAluga partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, minor and significant.
- Luggo (MRV&CO)coreProptech of MRV&CO (major real estate developer/operator) that manages multifamily assets for Brookfield and FII LUGG11. Partnership offers CredAluga's fiança as the rental guarantee option for Luggo tenants across 50% of their properties initially. CredAluga became the primary credit analysis and guarantee partner. Luggo is present in Belo Horizonte, Campinas, Contagem, Curitiba, Lauro de Freitas, São Paulo, and Porto Alegre.
- Frias Neto Consultoria de ImóveisminorPartnership to offer Fundo CredAluga as a guarantee linked to investment (Tesouro Nacional) for Frias Neto tenants. Developed with involvement of ABMI (Associação Brasileira do Mercado Imobiliário). Frias Neto is a 35+ year old specialist in Piracicaba with R$6 billion in assets under management.
- OLX Group (Zap, OLX, Viva Real)Clube CredAluga members receive exclusive benefits from OLX Group platforms: Zap, OLX, and Viva Real. Benefits include 'Destaques Padrão' (Standard Featured) placement on vertical portals for Rental and Sales. This is a joint GTM partnership bringing CredAluga partner agencies premium visibility on Brazil's largest real estate classifieds platforms.
- CUPOLA (benefits partnership)significantClube CredAluga members receive exclusive benefits from CUPOLA: free tickets to CUPOLA SUMMIT (with quantity increasing by club tier), priority queue at the summit, exclusive discounts, and specialized training (Aluguel Essencial, Aluguel Master, Conference Aluguel).
- KSI (Kurole)minorMarco Moretto, CEO of Kurole and creator of KSI (real estate management system), spoke at Circuito do Aluguel Campinas. KSI is a sponsor of the event series. KSI serves real estate agencies with management software.
- KanastracoreCredAluga and Kanastra launched the first investment fund that replaces capitalisation titles as rental guarantees. Kanastra provides the technological and regulatory infrastructure for the Fundo CredAluga (investment fund guarantee product). Kanastra handles fund administration and regulatory compliance for the CVM-regulated fund.
- Unico (Biometric Identity)coreUnico provides video-based facial biometric verification integrated into CredAluga's platform at contract signing to prevent identity fraud. This technology validates the tenant's identity in real-time using AI, reducing fraudulent rental applications.
- CUPOLAcoreCUPOLA became a strategic equity partner and investor in CredAluga in August 2024. CUPOLA is a real estate intelligence hub (marketing, consulting, education, technology) founded in 2007 with 90+ employees. Founder Rodrigo Werneck joined CredAluga as CMO and Chief Imobiliária Officer. CUPOLA brings an extensive network of real estate agencies through its content platform (Imobi Report), trainings (Aluguel Master, Conference Aluguel), and the annual CUPOLA Summit (2,500 attendees). CredAluga and CUPOLA share the mission of empowering real estate agencies.
- LaIS LastrominorLaIS Lastro co-founded the Fundo CredAluga investment fund product. José Thomaz (Cofundador da Lais Lastro) presented at Circuito do Aluguel Campinas on how AI will change work division in real estate agencies.
- ReferaminorFilippe Ferreira (Diretor de Operações da Refera) spoke at Circuito do Aluguel Campinas on administrative management of rental operations. Partnership or event-based collaboration.
Scale indicators14 records
Recent moves7 records
Expansion highlights7 records
CredAluga competitors and assessment
Company assessmentDirect peers
- QuintoAndar: Brazil's largest vertically integrated rental proptech, providing its own guarantee, tenant screening, and rent payment products. Direct competitor to CredAluga but operates a tenant-facing model rather than CredAluga's B2B2C agency channel.
- Brasil Brokers: Brazilian real estate brokerage where co-founder Guilherme Blumer previously served as CMO. Operates in the same real estate agency channel CredAluga sells into, sharing customer profile and rental workflow.
Broad incumbents
- ZAP Imóveis: One of Brazil's largest real estate classifieds platforms, now part of Grupo OLX (an investor in CredAluga). Overlaps in connecting agencies and rental demand, providing a complementary distribution channel CredAluga can leverage through its partnership.
- Viva Real: Major Brazilian real estate search platform operated by Grupo OLX. Comparable as a distribution touchpoint for rental listings, and CredAluga Clube members receive Destaques Padrão placement on Viva Real, creating a partnered channel relationship.
- Loft: Brazilian proptech focused on buying, selling, and transacting residential real estate. Adjacent proptech with overlapping real estate data, brokerage, and credit capabilities but different core transaction focus.
Others
- Grupo OLX: Strategic minority investor ($5M, Nov 2025) operating OLX, Zap, and Viva Real classifieds. Not a direct competitor but a critical distribution partner and ecosystem player for CredAluga's agency network.
- Kanastra: Fund administration technology partner that co-built Fundo CredAluga. Provides the CVM regulatory and fund infrastructure that powers CredAluga's investment fund guarantee product, making it a critical enabler rather than competitor.
Emerging players
- Porto Seguro: Major Brazilian insurance group offering seguro fiança, the legacy rental guarantee product CredAluga is digitizing. Overlaps in providing landlord protection on rental defaults, but via traditional insurance distribution rather than a fintech B2B2C platform.
- Tokio Marine: Brazilian subsidiary of Tokio Marine offering seguro fiança and residential insurance products. Comparable to CredAluga's Corretora offering and traditional rental guarantee product, but delivered through insurance broker channels.
Regional players
- MRV&CO: One of Brazil's largest residential developers, parent of Luggo (the multifamily proptech that partnered with CredAluga). Comparable as a developer-led rental operator and CredAluga's first major enterprise guarantee customer across 7 Brazilian cities.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CredAluga social profiles
Digital presenceCredAluga compliance and trust
Trust signalCompliance3 records
CredAluga financial estimates
Financial estimateRevenue estimate
Valuation estimate
CredAluga leadership team
Management profileNumber of profiles
Profiles3 records
CredAluga funding detail
Funding detailFunding overview
Funding rounds3 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CredAluga M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CredAluga
What does CredAluga do?
CredAluga provides digital rental guarantee solutions (fian\u00e7a locat\u00edcia) that replace the traditional personal guarantor (fiador) for tenants of partner real estate agencies in Brazil. Its modular product suite includes CredFi\u00e2n\u00e7a (traditional monthly-fee guarantee from 8%), CredReembolsa (cashback guarantee from 6%), Fundo CredAluga (CVM-regulated investment fund guarantee without monthly fees), and tiered plans (CredPlus, Super, Super+, CredSuper, Full) with coverage up to 40x monthly rent. The company operates exclusively through a B2B2C model via 2,000+ partner real estate agencies across Brazil.
Is CredAluga a public or private company?
CredAluga is a private company. It is classified as venture growth investor backed and is currently operating.
When was CredAluga founded?
CredAluga was founded in 2022. It employs 101 to 250 people.
Where is CredAluga based?
CredAluga is headquartered in Barueri, Brazil, in the Latin America region.
How does CredAluga make money?
Four revenue lines are on record. Fiança CredAluga - Monthly Fee is the primary driver. The others are fundo CredAluga - Management/Performance, setup Fee and corretora CredAluga - Insurance Products.
Who are CredAluga's main competitors?
Direct peers on record are QuintoAndar and Brasil Brokers. Broad incumbents are ZAP Imóveis, Viva Real and Loft. Others are Grupo OLX and Kanastra. Emerging players are Porto Seguro and Tokio Marine. MRV&CO is listed as a regional player.
Does CredAluga have an API?
No public API is recorded for CredAluga.
What industry is CredAluga in?
CredAluga's product category is Rental Guarantee Fintech. Its primary akta.pro industry code is FSALADAA, Commercial Real Estate (CRE) Mortgage Origination. Its NAICS code is 522292 and its SIC code is 6162.