What SuperSim does

SuperSim is a Brazilian digital lending fintech that operates as a correspondent banker under Banco Central do Brasil Resolution 3.954, originating micro-personal loans (R$50 to R$2,500) through its own 100% online platform and disbursing funds via PIX. The company targets Brazilian socioeconomic classes C and D — including borrowers with negative credit records (negativados), CLT formal workers, MEI microentrepreneurs, and self-employed autônomos — a demographic historically underserved by traditional banks. Since founding in 2019, SuperSim reports over 2 million approved borrowers and 7 million loans originated.

The platform is built on a cloud-based architecture with automated credit decisioning described as AI-driven, evaluating alternative data points beyond traditional credit scores. Key integrations include Instantor for bank-statement verification, Banco Central's SCR credit registry, and Brazil's PIX instant-payment rail for disbursements claimed within 5 minutes. The product set extends beyond core installment loans to SuperSeguro (creditor-protection insurance add-on), ContrataSim (pre-approved variant), AdiantaSim (salary advance), and Multiplik (referral program paying R$150 per successful referral, capped at R$3,000/month).

Revenue is generated through three primary streams: interest spread and correspondent take rate on originated loans (nominal rates of 12.5%-19.9% per month), one-time registration/credit-analysis fees (R$19-R$150), and affiliate referral economics via Multiplik. Balance-sheet capacity for lending is sourced from partner financial institutions (BMP SCD, SOCINAL, CELCOIN) and a R$136 million FIDC securitization, on top of equity raised through a R$25+ million Series A led by IDC Ventures in January 2022. Distribution is fully digital via web, mobile, and WhatsApp, with no physical branches.

Name

SuperSim

Legal name

SUPERSIM ANALISE DE DADOS E CORRESPONDENTE BANCARIO LTDA.

Website

https://supersim.com.br

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

SuperSim is a Brazilian digital lending fintech operating as a Banco Central-licensed correspondent banker, originating micro-personal loans (R$50–R$2,500) via PIX to underserved classes C and D borrowers, including those with negative credit, across Brazil.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Consumer Lending (522291), Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Subprime & Deep-Subprime Unsecured Personal Loans (Installment) (FSAKAAAC)

akta.pro secondary industries

Subprime Installment Loans (Non-Prime Personal Loans) (FSAKAOAA), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Online personal loans
• Microcredit lending
• Financial inclusion
• PIX loan disbursement
• Consumer credit platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Loan Interest Income: SuperSim earns interest income from personal micro-loans ranging from R$50 to R$2,500. Interest rates range from 12.5% per month (310.99% annual) to 19.9% per month (819% annual). The company acts as a correspondent banker for partner financial institutions (BMP SCD, SOCINAL, CELCOIN), facilitating loan origination and earning spread income.
2. Credit Analysis and Registration Fees: Registration fee (tarifa de cadastro) charged to borrowers ranging from R$19 to R$150 depending on loan amount. This covers the cost of credit analysis and loan setup. Additional charges include IOF (financial operations tax) and other regulatory fees passed through to customers.
3. Multiplik Affiliate Program: Revenue-sharing arrangement where SuperSim earns from referred loan applications generated through the Multiplik platform. Affiliates earn commissions for successful loan referrals, creating a distributed customer acquisition channel.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

SuperSim operates a 100% digital personal lending platform that issues micro-loans of R$50 to R$2,500 to Brazilian consumers in socioeconomic classes C and D, including those with negative credit histories. The platform uses AI-driven credit decisioning to underwrite borrowers rejected by traditional banks, disburses approved funds via Brazil's PIX instant payment system in minutes, and operates as a correspondent banker for partner financial institutions (BMP SCD, SOCINAL, CELCOIN) under Banco Central do Brasil Resolution 3.954.

Product overview

SuperSim is a Brazilian fintech operating as a direct lending platform offering multiple personal loan products focused on financial inclusion for classes C and D. The core offering consists of personal loans (Empréstimo Pessoal Online) disbursed via PIX with high approval rates, including specialized variants for negativados (people with credit restrictions), CLT workers, MEI microentrepreneurs, and autônomos (self-employed). The platform is complemented by SuperSeguro (protection/insurance add-on), Multiplik (referral program), ContrataSim (pre-approved loans), and AdiantaSim (salary/benefit advances). The product architecture is a unified digital platform with loan amount range of R$50 to R$2,500, repayment terms of 1-14 months, and interest rates from 12.5% to 19.9% monthly. As a correspondent bank under Banco Central resolution 3.954, SuperSim partners with BMP Sociedade de Crédito Direto, SOCINAL S.A., and CELCOIN Sociedade de Crédito Direto for loan origination.

Differentiator

Problem solved

Functional benefit

Brands

• SuperSeguro: Loan product with insurance guarantees against unforeseen life events, including credit life insurance, promotional drawings, and debt settlement coverage.
• Multiplik
• ContrataSim
• AdiantaSim

Products and services

• Empréstimo Pessoal Online (Personal Loan Online) 100% online personal micro-loan product for Brazilian consumers, offering loans from R$50 to R$2,500 with terms of 1-14 months and interest rates from 12.5% to 19.9% monthly. Funds are disbursed via PIX in under 5 minutes, with the full application completed online in approximately 5 minutes. The product includes specialized variants for CLT workers, MEI micro-entrepreneurs, autônomos, borrowers with negative credit, unsecured loans, and pre-approved customers via ContrataSim.
• AdiantaSim Quick credit product providing Brazilian consumers early access to earned wages or government benefits, functioning as a salary or benefit advance facility under the SuperSim platform.
• SuperSeguro Insurance and protection package attached to SuperSim loans, including creditor protection insurance (seguro prestamista), promotional raffles, and loan settlement coverage against unforeseen life events. Designed to provide borrowers flexibility and protection during the loan term.
• Multiplik Affiliate referral program allowing SuperSim customers to earn up to R$3,000 per month by referring new loan customers. Each successful referral earns R$150 through personalized tracking links, creating a viral growth loop and distributed customer acquisition channel within the Brazilian consumer base.

Quantifiable outcome

• Over 2 million people approved for loans from SuperSim
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• BMP SOCIEDADE DE CRÉDITO DIRETO S.A.coreTechnology or IntegrationPartner financial institution for which SuperSim operates as correspondent banker under Resolution 3.954 of Banco Central do Brasil. SuperSim facilitates loan origination and processing on behalf of BMP SCD, contributing to financial inclusion efforts.
• SOCINAL S.A. - CRÉDITO, FINANCIAMENTO E INVESTIMENTOcoreTechnology or IntegrationPartner financial institution for which SuperSim operates as correspondent banker. SOCINAL provides credit, financing, and investment products through SuperSim's digital platform, enabling wider market reach.
• CELCOIN SOCIEDADE DE CRÉDITO DIRETO S.A.coreTechnology or IntegrationPartner digital credit institution for which SuperSim operates as correspondent banker. CELCOIN focuses on digital financial services, aligning with SuperSim's technology-driven inclusive lending approach.
• MultiplikcoreGTM or Marketing PartnerMultiplik is SuperSim's affiliate referral program enabling customers to earn up to R$3,000/month by referring new borrowers. Each successful referral earns R$150, creating a viral growth loop and customer acquisition channel.
• InstantorcoreTechnology or IntegrationInstantor is a secure bank statement verification tool used by SuperSim to quickly retrieve borrower financial data. This enables accelerated credit assessment with maximum data security and protection for customers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Banco Inter: Large Brazilian neobank offering personal loans among a full banking product suite. Comparable personal-loan product for classes C/D, but with much broader portfolio, deposit base, and lower funding cost.
• C6 Bank: Brazilian digital bank with a personal-loan product targeted at mass-market and underbanked segments. Comparable lending product with broader banking distribution.
• Mercado Pago: Mercado Libre's Brazilian fintech arm offering credit, BNPL, and lending products to its massive merchant and consumer base. Increasingly competing in the underbanked credit segment with low-cost acquisition.
• Banco Pan: Brazilian consumer-finance specialist with significant exposure to personal loans, payroll-deductible credit, and subprime segments. Comparable end-borrower profile and credit product mix.
• Nubank: Brazil's largest digital bank, increasingly offering personal credit to its 90M+ customer base including previously underbanked segments. Competes for the same end-borrower with structurally lower funding costs.

Emerging players

• RecargaPay: Brazilian fintech offering digital payments and consumer credit products to lower-income consumers. Comparable mobile-first distribution to underserved segments, with overlapping PIX-based lending initiatives.

Direct peers

• Geru: Brazilian fintech focused on personal loans for borrowers with limited or impaired credit history, using alternative-data underwriting. Closely comparable target segment (negativados/classes C/D) and product offering.
• Creditas: Brazilian online consumer lending platform offering secured and unsecured personal loans, including products targeted at underserved segments. Comparable business model in Brazilian digital credit origination with similar correspondent/institutional funding dynamics.
• Will Bank: Brazilian digital bank serving underbanked consumers with credit, PIX, and account products. Comparable customer base and product-led growth approach targeting classes C/D.

Others

• QI Tech: Brazilian embedded finance and credit infrastructure provider enabling lenders to originate and service consumer credit. Comparable technology stack and risk decisioning in the same credit ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds4 records

Investors4 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 SuperSim