Klubi
- Company typePrivate
- Founded2019
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2C
- OfferingServices
Klubi firmographics
Firmographics- Name
- Klubi
- Legal name
- Klubi Administradora de Consórcio Ltda.
- Website
- https://klubi.com.br
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Where Klubi is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Klubi business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Consortium Management Fees: Revenue is generated through administration fees charged on consortium group plans. Participants pay monthly installments that include a contribution toward the credit pool plus administrative charges. The company operates as a BACEN-authorized consortium administrator (Klubi Administradora de Consórcio Ltda.) collecting fees from members across Auto, Real Estate, Phone, Motorcycle, and Travel consortium groups.
- Insurance Brokerage: Klubi offers insurance products (cell phone insurance, auto insurance) through its platform, earning commissions on policies sold. The company operates a simulator at simulador.klubi.com.br/seguro for insurance quote generation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Auto Consortium - Credit from R$50,000 to R$200,000, monthly installments from R$724 |
| Unit Pricing | Monthly | Real Estate Consortium - Credit from R$150,000 to R$400,000, monthly installments from R$758 |
| Unit Pricing | Monthly | Phone Consortium - Credit from R$1,000 to R$15,000, 40 monthly installments |
| Unit Pricing | Monthly | Motorcycle Consortium - Credit from R$5,000 to R$30,000, monthly installments from R$152 |
| Unit Pricing | Monthly | Travel Consortium - Credit from R$2,000 to R$20,000, monthly installments from R$119 |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Klubi product offering
Product offeringCore offering
Klubi Administradora de Consórcio Ltda. operates a BACEN-authorized digital consortium platform that lets Brazilian consumers join and manage interest-free consortium groups for the acquisition of automobiles, real estate, motorcycles, smartphones/electronics, and travel. Members simulate plans online, contract digitally through the Klubi mobile app or website, and pay monthly installments to a common pool from which they are allocated credit by lottery or bid. Complementary insurance products (cell phone and auto) are offered through the same platform on a brokerage basis.
Product overview
Klubi is a digital consortium (consórcio) fintech platform offering multiple interconnected consortium products for purchasing automobiles, real estate, motorcycles, smartphones, and travel. The platform operates as a unified digital service where customers can purchase consortium plans and manage them through a mobile application. The core offering consists of five consortium types (Auto, Celular, Imóvel, Moto, Viagem) with credit ranges and term lengths specific to each category. Insurance products (Seguro Celular and Seguro Auto) are offered as complementary add-on services. The company positions itself as a 100% digital alternative to traditional consortium administrators, emphasizing lower monthly payments, transparency (no hidden fees or interest), and ease of use through their mobile app.
Differentiator
Problem solved
Functional benefit
Products and services
- Consórcio Auto
Quantifiable outcome
- 100,000+ members trust Klubi for consortium planning
- +3 more outcomes
Companies that use Klubi
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Klubi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Klubi partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CYRELAminorCYRELA partnered with Klubi as referenced in Brazil Journal coverage of the R$32 million funding round, suggesting collaboration in the real estate consortium segment. CYRELA is a major Brazilian real estate developer, which aligns with Klubi's real estate consortium product.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Klubi competitors and assessment
Company assessmentBroad incumbents
- BrConsórcios: Major Brazilian consortium administrator with diversified product portfolio covering autos, real estate, motorcycles, and services. Competes with Klubi across multiple consortium verticals while gradually expanding digital capabilities.
- Embracon: One of Brazil's largest traditional consortium administrators offering auto, real estate, motorcycle, and other consortium plans. Comparable in core product offering to Klubi but relies on a physical branch network and is now investing in digital channels to defend share against digital-first entrants.
- Rodobens Consórcio: Large Brazilian consortium administrator with strong presence in auto and motorcycle consortia. Operates with both traditional and digital channels and competes with Klubi for Brazilian consumers seeking vehicle and property consortium plans.
- BV Consórcios (Banco BV): Bank-backed consortium administrator from Banco BV offering auto, real estate, and other consortium plans. Combines balance-sheet scale with digital contracting, directly competing with Klubi in the digital consortium segment while leveraging broader banking relationships.
Direct peers
- Unifisa: Brazilian consortium administrator with a focus on accessible digital consortia, including auto and property plans. Smaller scale than top incumbents but competes head-to-head with Klubi in offering online consortium contracting to intermediate-income Brazilian consumers.
- Consórcio Magalu: Magazine Luiza's consortium arm offering digital consortium plans for vehicles, real estate, and other consumer goods. Directly competes with Klubi in the Brazilian digital consortium space with similar target customer (intermediate-income Brazilian consumers) and online contracting model.
Others
- Banco Inter: Brazilian digital bank offering consumer credit, payroll loans, and consortium products through its super-app. Competes with Klubi indirectly through digital credit offerings and directly if expanding consortium distribution via its large customer base.
- Nubank: Brazil's largest digital bank offering consumer credit, personal loans, and credit cards. While not directly a consortium administrator, Nubank's digital-first consumer credit offerings address the same financial inclusion pain points for intermediate-income Brazilian consumers and represent a broad adjacent competitor.
Emerging players
- Will Bank: Brazilian digital bank focused on intermediate-income consumers, offering credit cards, personal loans, and consumer credit products. Addresses the same financial inclusion segment as Klubi and competes for the same digital-native Brazilian consumer wallet.
- Iquali Consórcios: Brazilian digital-first consortium platform focused on simplifying consortium contracting through technology. Overlaps with Klubi in target segment (digital-native, intermediate-income consumers) and core product categories like auto and property.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Klubi social profiles
Digital presenceKlubi compliance and trust
Trust signalCompliance1 record
Klubi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Klubi leadership team
Management profileNumber of profiles
Profiles3 records
Klubi funding detail
Funding detailFunding overview
Funding rounds5 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Klubi 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 Klubi
What does Klubi do?
Klubi Administradora de Consórcio Ltda. operates a BACEN-authorized digital consortium platform that lets Brazilian consumers join and manage interest-free consortium groups for the acquisition of automobiles, real estate, motorcycles, smartphones/electronics, and travel. Members simulate plans online, contract digitally through the Klubi mobile app or website, and pay monthly installments to a common pool from which they are allocated credit by lottery or bid. Complementary insurance products (cell phone and auto) are offered through the same platform on a brokerage basis.
Is Klubi a public or private company?
Klubi is a private company. It is classified as venture growth investor backed and is currently operating.
When was Klubi founded?
Klubi was founded in 2019. It employs 51 to 100 people.
Where is Klubi based?
Klubi is headquartered in São Paulo, Brazil, in the Latin America region.
How does Klubi make money?
Two revenue lines are on record. Consortium Management Fees are the primary driver. The others are insurance Brokerage.
Who are Klubi's main competitors?
Broad incumbents on record are BrConsórcios, Embracon, Rodobens Consórcio and BV Consórcios (Banco BV). Direct peers are Unifisa and Consórcio Magalu. Others are Banco Inter and Nubank. Emerging players are Will Bank and Iquali Consórcios.
Does Klubi have an API?
No public API is recorded for Klubi.