Franq

What Franq does

Franq is a Brazilian fintech platform headquartered in Florianópolis, Santa Catarina, that operates a B2B2C marketplace connecting experienced autonomous bankers ("Personal Bankers") with financial products from more than 50 partner banks and fintechs. Founded in 2018-2019, the platform offers access to 150+ financial products spanning credit, insurance, investments, pensions, and consortiums. Personal Bankers must have 5+ years of retail banking or credit-union experience or hold Ancord certification, and the company has scaled to 10,000+ registered bankers and 35 linked investment offices operating across all regions of Brazil.

The platform's core technology is the proprietary beFranq digital storefront, available via web and mobile app, which provides AI-powered product matching across the 150+ product catalog, real-time proposal status updates, commission simulation tools, and integration with specialist desks (Mesas de Negócios) that negotiate with partner institutions on behalf of bankers. Franq generated approximately R$423 million (~USD 75M at the time) in originated transactions in 2025, with a projection of R$705 million (~USD 125M) for 2026, and maintains approximately 80% annual growth while having reached operational break-even.

Franq's revenue model combines three streams: a monthly subscription of R$200 per Personal Banker digital store (with annual plans offering up to 75% discount), transaction commissions on every product sold through the platform (with Franq taking a percentage cut across one-time, installment, and recurring commission modalities), and direct commercial agreements with partner institutions for channel distribution. The company has raised approximately USD 30-40M across multiple rounds including a USD 12M Series A in 2022 and a USD 12.4M Series B in May 2026 co-led by Valor Capital, Quona Capital, and Globo Ventures.

Name

Franq

Legal name

FRANQ TECNOLOGIA S.A.

Website

https://franq.com.br

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Franq is a Brazilian fintech operating a B2B2C marketplace that connects 10,000+ autonomous bankers (Personal Bankers) with 150+ financial products from 50+ partner banks and fintechs, enabling commission-based distribution of credit, insurance, investment, and pension products across Brazil.

Ownership category

akta.pro rank

Product category

Financial Product Distribution Platform

NAICS

Securities and Commodity Contracts Intermediation and Brokerage (5231)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAGAAAF

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P)

Financial & Insurance/Financial Technology (Fintech)/Digital Banking & Neobanking Platforms

SECONDARYBPAMAFAK

Cross-Border & FX Payments Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

Keywords

• Financial product distribution
• Autonomous banker platform
• Open banking marketplace
• Credit insurance brokerage
• Correspondent banking services

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Subscription Fees: Personal Bankers pay a monthly subscription (R$200/month) to access the platform, digital store, app, training, and support. An annual plan with up to 75% discount is also available. This covers operational, technical, and strategic support costs.
2. Transaction Commissions: Personal Bankers earn commissions on every product sold through the platform. Franq negotiates commission rates with partner institutions and Personal Bankers receive commissions via their digital store, with Franq taking a percentage cut. Three commission modalities exist: one-time, installment, and recurring (for monthly-payment products like insurance).
3. Partner Agreements: Franq is compensated through commercial agreements directly with partner institutions for being a distribution channel for their financial products and for intermediating operations.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Franq operates a digital platform (beFranq) that enables independent financial professionals called 'Personal Bankers' to distribute 150+ financial products (credit, financing, insurance, investments, pensions, consortiums) from 50+ partner banks and fintechs. Personal Bankers subscribe to the platform for R$200/month, receive an AI-powered digital storefront, commission simulation tools, real-time proposal tracking, and dedicated specialist desk support, while earning uncapped commission on every transaction they originate.

Product overview

Franq is a fintech platform that operates as a B2B2C marketplace connecting autonomous bankers (Personal Bankers) with financial products from over 50 partner banks and fintechs. The core offering consists of the Personal Banker model and the beFranq digital platform (web and mobile app), supplemented by Franq Educação (educational platform), Franq Escritórios (investment office integration), dedicated Success Managers, and specialized Business Desks for each product line. Personal Bankers pay a monthly subscription (R$200) to access the complete ecosystem and earn commission on sales with no income ceiling.

Differentiator

Problem solved

Functional benefit

Products and services

• beFranq Platform Web and mobile digital platform where Personal Bankers manage client requests, simulate commissions, track proposal status in real time, and operate their personalized digital storefront 24/7. Subscribed to at R$200/month per store with annual plans offering up to 75% discount.
• Personal Banker Program Service program enabling autonomous bankers with 5+ years of banking experience or Ancord certification to operate as independent financial advisors, distributing 150+ financial products from 50+ partner institutions through the beFranq platform and earning uncapped commission per sale.
• Franq Escritórios (Investment Offices Solution)

Quantifiable outcome

• Over 10,000 Personal Bankers registered on the platform since inception
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature6 records

Partnerships

20 partnerships are on record, tiered core and minor.

• Banco ItaúcoreChannel Partner/ Reseller/ DistributorBanco Itaú is one of 50+ partner institutions whose financial products (credit, financing, insurance, investments) are distributed through Franq's platform by Personal Bankers. Products include real estate credit and other financial solutions.
• Banco SantandercoreChannel Partner/ Reseller/ DistributorBanco Santander is a key partner institution on Franq's platform, offering financial products including real estate credit that Personal Bankers can recommend to their clients.
• Banco BradescocoreChannel Partner/ Reseller/ DistributorBanco Bradesco is one of the major Brazilian banks whose financial products are available through Franq's platform for distribution by Personal Bankers.
• Banco IntercoreChannel Partner/ Reseller/ DistributorBanco Inter is a partner institution on Franq's platform, providing digital banking products for distribution by Personal Bankers.
• C6 BankcoreChannel Partner/ Reseller/ DistributorC6 Bank is a partner institution on Franq's platform, offering credit and banking products through Franq's network of Personal Bankers.
• CreditascoreChannel Partner/ Reseller/ DistributorCreditas is a fintech partner on Franq's platform, offering secured credit products (home equity, auto equity) for distribution by Personal Bankers.
• Banco BVcoreChannel Partner/ Reseller/ DistributorBanco BV (Banco Veículos) is a partner offering vehicle financing products on Franq's platform, enabling Personal Bankers to facilitate auto loan referrals.
• Banco BariminorChannel Partner/ Reseller/ DistributorBanco Bari is a partner mortgage lender on Franq's platform, offering real estate financing products.
• Banco IcatuminorChannel Partner/ Reseller/ DistributorBanco Icatu is a partner institution offering life insurance and pension products on Franq's platform.
• Banco SofisaminorChannel Partner/ Reseller/ DistributorBanco Sofisa is listed as a partner bank on Franq's platform, offering financial products through the ecosystem.
• Banco DaycovalminorChannel Partner/ Reseller/ DistributorBanco Daycoval is listed as a partner bank on Franq's platform.
• Banco PortominorChannel Partner/ Reseller/ DistributorBanco Porto (Porto Seguro) is a partner offering insurance and financial products on Franq's platform.
• Banco RodobensminorChannel Partner/ Reseller/ DistributorBanco Rodobens is listed as a partner bank on Franq's platform, offering credit and financing products.
• Banco ABC BrasilminorChannel Partner/ Reseller/ DistributorBanco ABC Brasil is listed as a partner bank on Franq's platform.
• Porto SegurocoreChannel Partner/ Reseller/ DistributorPorto Seguro is a partner offering credit cards, insurance, and other financial services through Franq's platform.
• CashMeminorChannel Partner/ Reseller/ DistributorCashMe is a fintech partner offering fast, low-cost loans with real estate collateral, distributed through Franq's Personal Bankers.
• Icatu SeguroscoreChannel Partner/ Reseller/ DistributorIcatu is a partner providing life insurance and private pension products, with dedicated specialist desk support for Franq's Personal Bankers.
• MAG SegurosminorChannel Partner/ Reseller/ DistributorMAG Seguros is listed as a partner insurance provider on Franq's platform.
• Win Correspondente BancáriocoreImplementation/ SI/ Consulting PartnerWin Correspondente Bancário LTDA (CNPJ 40.673.528/0001-46) is one of two correspondent banking entities through which Franq operates, providing client referral and administrative support services to partner financial institutions in compliance with Brazilian Resolution CMN No. 4.935/21.
• K.ZA Correspondente BancáriocoreImplementation/ SI/ Consulting PartnerK.ZA Correspondente Bancário LTDA (CNPJ 42.637.945/0001-69) is one of two correspondent banking entities through which Franq operates, providing client referral and administrative support to partner financial institutions under Brazilian Resolution CMN No. 4.935/21.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Others

• Inter & Co. Inter & Co. is a major Brazilian digital bank offering banking, credit, insurance, and investment products through its own app and partner distribution. It is comparable to Franq as a Brazilian financial product ecosystem, though Inter is itself a product manufacturer and direct distributor rather than a multi-partner marketplace operator.

Regional players

• XP Inc. XP Inc. is a leading Brazilian investment platform with a large network of independent advisors (Agentes Autônomos de Investimentos) distributing investment and credit products. It is comparable to Franq's independent-advisor-driven distribution model in Brazil, though XP is far larger and vertically integrated in capital markets.
• Zuto (formerly Carcraft): Zuto operates a UK car finance marketplace connecting consumers with multiple lenders for vehicle financing. It is comparable to Franq's vehicle financing distribution line via Personal Bankers, though limited to auto finance and operating only in the UK.
• Creditas: Creditas is a major Brazilian fintech specializing in secured lending (home equity, auto equity) with its own distribution. It is comparable to Franq as a Brazilian fintech partner in the secured-credit category, though Creditas is a direct lender while Franq distributes across 50+ partners.

Broad incumbents

• Bankrate: Bankrate (now part of Red Ventures) is a US financial comparison and content platform connecting consumers with banking, lending, and insurance products. It is comparable to Franq as a multi-product financial marketplace with editorial content driving consumer engagement, though it is content-led rather than advisor-led.
• LendingTree: LendingTree operates one of the largest online loan marketplaces in the US, connecting consumers with multiple lenders across credit, mortgage, and insurance products. It is comparable to Franq as a multi-lender financial product distribution platform, though LendingTree is more consumer-direct while Franq uses independent advisors as intermediaries.

Direct peers

• Finder.com: Finder.com operates a global comparison marketplace for financial products including credit cards, loans, banking, and insurance. It is comparable to Franq as a multi-product financial comparison platform, though primarily consumer-direct and content-driven rather than using licensed advisors.
• Credible: Credible is a US multi-lender marketplace for student loans, mortgages, personal loans, and insurance. It is directly comparable to Franq as a side-by-side rate-shopping marketplace across multiple financial product categories, though US-only and consumer-direct rather than advisor-led.
• Lendio: Lendio runs an online marketplace connecting small business borrowers with multiple lenders, plus franchise funding and equipment financing. It is highly comparable to Franq in operating a multi-lender product marketplace model, though focused on US SMB lending rather than Brazilian consumer/business credit and insurance.

Emerging players

• Even Financial: Even Financial operates a financial product search and matching API connecting consumers with banking, lending, and insurance products. It is comparable to Franq in the multi-product financial matching space, though it focuses on embed/API distribution rather than human advisors.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC285p64ZYunFkClFjVEYJ0A
• LinkedInlinkedin.com/company/franq-oficial
• Instagraminstagram.com/franq.oficial
• Xx.com/franqopenbank
• Facebookfacebook.com/franqopenbanking

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 records

Investors6 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 Franq