isaac

What isaac does

Isaac (legal entity Isaac Tecnologia & Serviços LTDA.) is a São Paulo-based SaaS platform that provides financial management and tuition collection guarantee services to private educational institutions in Brazil. Founded in 2020 by Ricardo Sales and David Peixoto — the founders of Arco Educação, Brazil's first edtech unicorn — the company serves over 2,500 basic and higher education institutions and covers 700,000+ students across all Brazilian regions. Its core differentiator is a financial guarantee model: isaac assumes the risk of tuition non-payment, ensuring schools receive monthly tuition revenue on the agreed date regardless of whether families pay on time.

The platform consists of two primary interfaces: the institutional-facing Plataforma Meu Arco for school financial management (enrollment, payment status, reporting, delinquency management) and the Meu Isaac/Meu Arco app for families to make payments via PIX, bank slip, or credit card. Add-on modules include Secretaria Digitalizada (digital administration), Gestão de Inadimplência (delinquency management with a dedicated support team handling ~10,000 weekly family contacts), Segurança Financeira (revenue guarantee), and Soluções em Crescimento (growth and credit solutions). The platform runs on Cloudflare infrastructure and integrates with QI Tech as a banking correspondent for issuing CCBs (cédulas de crédito bancário) to enable credit products.

Isaac monetizes through recurring SaaS subscriptions from schools (quote-based, likely tiered by student count and module selection) plus transaction-based revenue from credit facilitation. Distribution is primarily direct sales to school administrators, supplemented by an Associate Partner Program (80+ consultants across 20+ Brazilian states) and ecosystem cross-sell via Arco Educação's broader education technology stack following the 2023 integration. The company was last capitalized with a US$125 million Series B in November 2021 led by General Atlantic, with SoftBank Latin America Fund and Kaszek participating.

Name

isaac

Legal name

Isaac Tecnologia & Serviços LTDA.

Website

https://isaac.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Isaac is a Brazilian SaaS platform that guarantees tuition collection and provides financial management tools to over 2,500 private K-12 and higher education institutions, covering 700,000+ students nationwide.

Ownership category

akta.pro rank

Product category

Education Financial Management Software

NAICS

Educational Support Services (611710)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Personal Credit Institutions (6141)

akta.pro primary industry

Payments, Cashiering & Payment Plans (EDALAJAE)

akta.pro secondary industries

Revenue Cycle & Tuition Billing/Collections Support (Student Accounts BPO) (EDAEALAN), Education Line of Credit (Education LOC) (FSAKAEAH)

Keywords

• Education financial management
• Tuition collection guarantee
• School payment platform
• Delinquency management software
• Edtech fintech brazil

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. SaaS subscription / recurring platform fees: Isaac charges private educational institutions a recurring subscription fee for access to its financial management platform. The platform provides tuition collection guarantee, debt management, reporting, and enrollment management. Schools pay for the service on an ongoing basis, with the company assuming the operational risk and cost of collections. Pricing is not publicly disclosed and appears to be quote-based, likely varying by school size and number of students.
2. Banking correspondent / credit operations: Through its role as a banking correspondent for QI Tech, Isaac facilitates credit operations using Cédulas de Crédito Bancário (CCBs). This allows schools to access credit products, creating a revenue stream from credit facilitation.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Isaac provides a SaaS financial management platform for private K-12 and higher education institutions in Brazil. Its core service is guaranteeing schools receive monthly tuition payments on an agreed date, even when families delay payment, while also delivering enrollment management, financial reporting, delinquency management, and multi-channel payment processing (PIX, boleto, credit card). The platform is accessed by schools through the Plataforma Meu Arco and by families through the Meu Arco app.

Product overview

isaac operates as a comprehensive financial and management platform for the Brazilian education sector, built around two primary user-facing interfaces: the Plataforma Isaac (for schools) and Meu Arco (for families/students). The core platform guarantees schools monthly tuition revenue through its Segurança Financeira guarantee and provides financial management tools including reports, cash flow visibility, and delinquency management. The product portfolio is organized into four main solution areas — Secretaria Digitalizada (enrollment and student admin), Gestão de Inadimplência (delinquency management), Segurança Financeira (revenue guarantee), and Soluções em Crescimento (growth and credit solutions) — plus a Meu Arco app for families. Schools are also served through the Plataforma Meu Arco for detailed financial reporting and performance analytics. A partner program (Programa de Associados) enables third-party service providers to refer new school clients in exchange for commissions. The company serves both basic education and higher education institutions and is part of the Arco Educação group.

Differentiator

Problem solved

Functional benefit

Brands

• meu isaac: Platform for families and students to manage tuition payments
• Plataforma Meu Arco

Products and services

• Plataforma Isaac (Plataforma Meu Arco for schools) The primary financial management SaaS platform for private educational institutions in Brazil, providing cash flow visibility, financial reports, enrollment performance tracking, and control over financial operations with guaranteed monthly revenue from tuition payments.
• Meu Arco (Meu Isaac family app) A mobile app and web platform for parents, guardians, and students to manage tuition payments, view payment status, pay via PIX, bank slip (boleto), or credit card, and contact Isaac's support team for negotiations and installment plans.
• Segurança Financeira (Tuition Collection Guarantee) Financial security service where Isaac guarantees the monthly transfer of tuition payments to the school on the agreed date, ensuring revenue predictability regardless of whether families delay payments.
• Gestão de Inadimplência (Delinquency Management) Service where Isaac's support team proactively contacts delinquent families to negotiate payment plans and offer special conditions, reducing default rates for schools without administrative burden.
• Soluções em Crescimento (Growth Solutions) Comprehensive ecosystem of growth solutions for schools, including credit for institutional investment via CCBs (banking correspondent for QI Tech), enrollment growth tools, and partnerships with market leaders that strengthen school relationships with families.
• Programa de Associados (Associate Partner Program) A structured partner program where individuals and companies (accountants, lawyers, management consultants, commercial consultants, marketing agencies) who already serve private schools can refer Isaac to clients in exchange for commissions.

Quantifiable outcome

• R$7 billion+ in tuition payments guaranteed to educational institutions
• +5 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• QI Tech (QI Sociedade de Crédito Direto S.A.)coreTechnology or IntegrationIsaac operates as a banking correspondent for QI Tech, enabling it to facilitate credit operations using Cédulas de Crédito Bancário (CCBs). QI Tech is listed as the authorized institution to consult the SCR (Sistema de Informações de Crédito) on behalf of Isaac. This partnership enables isaac to offer credit products to educational institutions and families.
• Arco EducaçãocoreStrategic or Co-development PartnerIsaac is part of the Arco Educação group — Brazil's first education technology unicorn. The integration combines isaac's financial management capabilities with Arco's comprehensive suite of education solutions (SAS, Geekie, COC, Positivo, SAE Digital, etc.). In 2023, Arco and isaac formally integrated into a single company, offering a more complete experience for the entire school community.
• Porto SegurominorStrategic or Co-development PartnerIsaac partnered with Porto Seguro to offer student insurance products to families of partner schools. This partnership was covered by Valor Econômico in April 2023, expanding isaac's offering within its partner ecosystem.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Vindi (Locaweb Company): Brazilian recurring billing and payments platform serving SaaS and subscription businesses — comparable technology stack to Isaac's payment orchestration and collections automation for schools.
• Pravaler: Brazilian student financing fintech offering credit lines and tuition payment plans for higher education students — directly comparable to Isaac's tuition guarantee and credit facilitation model, though focused on HE.
• Educbank: Brazilian fintech that provides student financing, school payment solutions, and credit products to private educational institutions — closely mirrors Isaac's core thesis of embedded finance in Brazilian education.
• SB Educa (Sistema Brasileiro de Educação): School management software platform serving Brazilian private K-12 schools with administrative, financial, and pedagogical modules — competes for the same school administrator wallet.
• Parcelex / Banco BMG (educação): Brazilian consumer credit players offering education-related financing products; BMG has historically been a major education creditor and competes for the same embedded credit opportunity Isaac addresses.

Broad incumbents

• Stone Co. (formerly Gerencianet / Ton): Major Brazilian payment processor and digital bank; serves SMBs including schools with payment acceptance, PIX, and credit — broader financial-services incumbent that overlaps with Isaac's payment and banking-correspondent activities.
• TOTVS: Brazil's largest enterprise software company, with education vertical ERPs and school management products; broader incumbent offering overlapping functionality but as part of a much wider portfolio.
• Banco Inter: Brazilian digital bank offering accounts, payments, PIX, and consumer credit; could compete with Isaac's banking-correspondent credit products and payment flows at schools.

Others

• Yduqs (formerly Estácio): One of Brazil's largest private higher education groups; a potential Isaac customer rather than direct competitor, and a comparable Brazilian education-services brand touching hundreds of thousands of students.
• QI Tech (QI Sociedade de Crédito Direto S.A.): Brazilian credit infrastructure / direct credit company that is Isaac's banking correspondent partner for CCB operations; relevant as the underlying credit rails enabling Isaac's lending-adjacent products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/isaaceducacao
• Facebookfacebook.com/isaac.futuro
• LinkedInbr.linkedin.com/company/olaisaac
• Instagraminstagram.com/isaaceducacao

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds3 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about isaac