Nibo
Nibo is a Brazilian cloud-based SaaS platform providing financial management, accounting obligations, and BPO operations software to 440k+ small and medium service companies, accounting firms, and financial BPO operators across Brazil, with subscription and per-transaction fee revenue.
- Company typePrivate
- Founded2012
- HeadquartersRio De Janeiro, Brazil
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Nibo does
Nibo is a Brazilian cloud-based financial management SaaS provider serving small and medium-sized service companies, accounting firms (escritórios contábeis), and financial BPO companies. The platform is structured around three core products: Nibo Gestão Financeira (cash flow tracking, accounts payable/receivable, automated collections, NFS-e electronic service invoice issuance, and bank reconciliation for service SMBs); Nibo Obrigações Plus (accounting obligations management, automatic tax recalculation, and client communication for accounting firms); and Nibo BPO (client centralization, process automation, document inbox, and WhatsApp-integrated communications for outsourced financial operations providers).
The underlying platform is web-based with mobile app support, built on a RESTful public API with OAuth2 authentication and integrations with Pluga, Zapier, Open Finance bank connections (Bradesco, Santander), and 60+ Brazilian accounting software systems including Domínio, Alterdata, Prosoft, and Mastermaq. The NFS-e Emissor module covers 2,000+ municipalities, and the firm operates in compliance with the LGPD privacy framework. AI capabilities are embedded across multiple workflows — including computer vision-based document reading, automatic tax recalculation, bank reconciliation category suggestions, and AI-enhanced WhatsApp message composition — applied via multimodal AI processing of structured data, text, and images.
Nibo generates revenue primarily through tiered recurring subscriptions (Light/Plus/Premium for Gestão Financeira, and per-user pricing tiers of R$96–R$384/year for additional products), supplemented by per-transaction fees for Boleto (R$2.99) and PIX (R$2.49) payments, and partner commissions from its tiered Partner Program offering 30–50% discounts. The go-to-market combines product-led growth with self-serve onboarding, a two-sided channel strategy where accounting firms serve as primary distributors to their client SMBs, and a sales-led motion for enterprise and BPO clients. Founded in 2012, Nibo is headquartered in Rio de Janeiro and reports a customer base of 440k+ companies with a 5.0 rating.
Nibo firmographics
Firmographics- Name
- Nibo
- Legal name
- Nibo Softwares e Cursos Ltda.
- Website
- https://nibo.com.br
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Nibo is a Brazilian cloud-based SaaS platform providing financial management, accounting obligations, and BPO operations software to 440k+ small and medium service companies, accounting firms, and financial BPO operators across Brazil, with subscription and per-transaction fee revenue.
- Ownership category
- akta.pro rank
Nibo industry classification
Industry- Product category
- Financial Management Software
- NAICS
- Finance and Insurance (52), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Embedded Tax, Accounting & Invoicing Finance (FSAGALAJ)
- akta.pro secondary industry
- SME Treasury & Liquidity Management (FX, Hedging, Sweep/Investment) (FSABABAE)
Keywords
Where Nibo is headquartered
LocationHeadquarters
- HQ city
- Rio De Janeiro
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Nibo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Subscription Licenses: Recurring subscription revenue from three-tier plan structure (Light, Plus, Premium) for accounting firms and companies. Annual and monthly billing with tiered pricing based on features and user count.
- Transaction Fees - Boleto/PIX: Per-transaction fees charged only on successful payments: R$2.99 per boleto payment via code of bars, R$2.49 per PIX payment. No charge for unpaid transactions.
- Partner Commissions: Commission payments to accounting partners (4-month cycle) for Premium and Plus plan subscriptions sold directly through the Nibo website. Partners receive commission on full-priced plans without discount coupons.
- Partner Discount Revenue: Partner tier discounts (30-50%) applied to client subscriptions, with discount value convertible to commission when invoiced to companies directly by the partner.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic tier - Free partner benefits |
| Subscription | Annual | Popular - R$96/year |
| Subscription | Annual | Business - R$192/year |
| Subscription | Annual | Enterprise - R$384/year |
| Subscription | Monthly | Light, Plus, Premium plans for Gestão Financeira |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Nibo product offering
Product offeringCore offering
Nibo designs, develops, and sells a cloud-based SaaS financial management ecosystem for small and medium-sized Brazilian service companies, accounting firms (escritórios contábeis), and financial BPO companies. Its core offering comprises three platforms—Nibo Gestão Financeira, Nibo Obrigações Plus, and Nibo BPO—covering cash flow tracking, accounts payable/receivable, boleto and PIX issuance, NFS-e electronic service invoice emission, automatic bank reconciliation via Open Finance, accounting obligations management, tax recalculation, fiscal monitoring, document automation, and WhatsApp-integrated client communication, all powered by AI-driven automation and supported by a public REST API.
Product overview
Nibo is a comprehensive financial management ecosystem consisting of three core platforms: Nibo Gestão Financeira (financial management for service companies), Nibo Obrigações Plus (accounting obligations management), and Nibo BPO (Financial BPO operations). The ecosystem is designed to serve three main segments: companies seeking automated financial management, accounting firms requiring tools to manage client obligations and deliver services, and Financial BPO companies managing multiple client portfolios. Key modules include Nibo Emissor (NFS-e invoice issuance supporting 2,000+ municipalities), Nibo Radar e-CAC (fiscal monitoring), Nibo Conciliador Open Finance (bank reconciliation), and Importador Universal (accounting data import integrating with 60+ systems). Communication features include Nibo via WhatsApp for accounting firms and WhatsApp no Nibo BPO for BPO operations. The platform incorporates AI capabilities for document reading, automatic categorization, tax recalculation, and schedule automation. Nibo also operates a Partner Program offering tiered benefits to accounting and BPO partners.
Differentiator
Problem solved
Functional benefit
Brands
- Nibo Gestão Financeira: Complete financial management platform for service companies to track cash flow, issue invoices, automate collections, and manage accounts payable/receivable with AI integration.
- Nibo Obrigações Plus
- Nibo BPO
- Nibo Radar
- Nibo Emissor
- Nibo Conciliador Open Finance
- Nibo via WhatsApp
Products and services
- Nibo Gestão Financeira Complete financial management platform for Brazilian service companies enabling cash flow tracking, accounts payable/receivable organization, boleto and PIX issuance, NFS-e electronic service invoice emission, automated collections, and AI-powered financial management with intelligent bank reconciliation.
- Nibo Obrigações Plus Complete accounting obligations management solution for Brazilian accounting firms, enabling precise control of obligations and documents, automatic tax recalculation, client communication, and AI-powered document reading and classification.
- Nibo BPO Platform for Brazilian financial BPO (Business Process Outsourcing) companies to centralize client management, automate processes, control obligations, and manage tasks with integrated WhatsApp communication and AI-enhanced document inbox.
- Nibo Emissor NFS-e (electronic service invoice) issuance system for Brazilian accounting firms to simplify invoice emission for their clients, compatible with over 2,000 municipalities via web services integration.
- Nibo Radar e-CAC Fiscal situation monitoring tool for Brazilian accounting firms to track client tax status through the e-CAC federal tax authority system.
- Nibo Conciliador Open Finance Bank reconciliation tool leveraging Brazilian Open Finance to reconcile thousands of entries automatically, with intelligent matching, both accounting and financial modes, and automatic bank statement import from Bradesco and Santander.
- Meu App Nibo (Custom Branded App) Custom-branded mobile app offering for Brazilian accounting firms, providing their clients with a personalized app bearing the accounting firm's own brand identity.
- Nibo via WhatsApp WhatsApp-integrated accounting customer service for Brazilian accounting firms, with conversation history, traceability, scheduled messages, and AI text enhancement to serve clients directly from the Nibo platform.
- WhatsApp no Nibo BPO WhatsApp integration specifically designed for BPO Financeiro operations, enabling document sending to document inbox, PDF report delivery, scheduled messages with AI text enhancement, and conversation permission management for team-based BPO workflows.
- Sistema de Cobranças Nibo Collections automation system enabling automated reminders and notifications to facilitate client payments, with automatic payment reconciliation and payment slip/boleto issuance for Brazilian service companies.
- Importador Universal Universal data importer for Brazilian accounting firms that eliminates manual data entry by importing client financial information automatically and integrating with 60+ accounting software systems including Domínio, Alterdata, Prosoft, and Mastermaq.
Quantifiable outcome
- 440k+ companies using the platform with 5.0 rating
- +2 more outcomes
Companies that use Nibo
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Nibo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability11 records
Feature6 records
Nibo partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and strategic.
- PlugacoreIntegration platform partner using OAuth2 for seamless connection between Nibo and customer business systems. Enables automated workflows without custom development.
- ZapiercoreIntegration partner enabling Nibo connections to 5,000+ applications through Zapier's automation platform. OAuth2 authentication for secure data flow.
- Domínio (Contabilidade)coreAccounting software integration for data export from Nibo Importador Universal. Enables seamless transfer of financial data to Domínio accounting system.
- Alterdata (Contabilidade)coreAccounting software integration for data export from Nibo Importador Universal. Enables seamless transfer of financial data to Alterdata accounting system.
- Prosoft (Contabilidade)coreAccounting software integration for data export from Nibo Importador Universal. Enables seamless transfer of financial data to Prosoft accounting system.
- Mastermaq (Contabilidade)coreAccounting software integration for data export from Nibo Importador Universal. Enables seamless transfer of financial data to Mastermaq accounting system.
- BradescocoreBank integration for automatic bank statement import in Nibo's intelligent reconciliation feature. Enables daily automatic transaction updates for Bradesco business accounts.
- SantandercoreBank integration for automatic bank statement import in Nibo's intelligent reconciliation feature. Enables daily automatic transaction updates for Santander business accounts.
- Ilume FinançasstrategicCertified consulting partner led by Valéria Fernandes, specializing in micro, small, and medium business financial health. Provides personalized Nibo implementation and optimization services.
- Adriana Martins (Independent Consultant)strategicIndependent financial consultant with 10+ years experience in Medical Services, Hospitality, and Education sectors. Conducts 300+ consulting sessions, offering Nibo expertise across multiple industries.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Nibo competitors and assessment
Company assessmentDirect peers
- Conta Azul: Brazilian SaaS leader in financial management and online accounting for SMBs and accounting firms. Direct competitor in Gestão Financeira category, with overlapping target segments (Brazilian service companies and contadores).
- Omie: Brazilian cloud ERP and financial management platform for SMBs and accounting firms. Competes head-to-head with Nibo Gestão Financeira and Nibo Obrigações Plus, especially among mid-market service companies.
- Agilize: Brazilian accounting and financial management platform serving SMBs and contadores, with both software and BPO Financeiro offerings. Direct overlap with Nibo's accounting firm and BPO Financeiro customer segments.
- ContaSimples: Brazilian SMB financial management and banking-as-a-service platform with similar cash flow tracking, invoice issuance, and accounting integrations. Closely comparable in target customer and pricing band.
- Granatum: Brazilian cloud financial management software for micro and small businesses, offering cash flow, accounts payable/receivable, and invoicing. Overlaps with Nibo Gestão Financeira in the lower SMB tier.
- eNotas: Brazilian electronic invoice (NFS-e, NFe, NFCe) issuance and fiscal automation API. Overlaps directly with Nibo Emissor and fiscal features within Nibo's accounting firm offerings.
- Vindi: Brazilian recurring billing, payments, and subscription management platform. Overlaps with Nibo's boleto/PIX transaction-fee revenue model and SMB payment automation features.
Broad incumbents
- QuickBooks (Intuit): Global SMB accounting software leader with established Brazilian localization. Competes in financial management and accounting category with broader international backing, but less specialized in Brazilian tax (NFS-e) and WhatsApp-native workflows.
Emerging players
- Tolife: Brazilian financial BPO software platform serving outsourced finance operations. Comparable to Nibo BPO with focus on multi-client management and workflow automation for BPO Financeiro companies.
- PlugNotas: Brazilian electronic invoicing and fiscal document platform with strong API focus. Comparable to Nibo Emissor's NFS-e capabilities and broader fiscal automation modules.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Nibo social profiles
Digital presenceNibo compliance and trust
Trust signalCompliance1 record
Nibo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nibo leadership team
Management profileNumber of profiles
Profiles2 records
Nibo funding detail
Funding detailFunding overview
Funding rounds4 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nibo 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 Nibo
What does Nibo do?
Nibo designs, develops, and sells a cloud-based SaaS financial management ecosystem for small and medium-sized Brazilian service companies, accounting firms (escritórios contábeis), and financial BPO companies. Its core offering comprises three platforms—Nibo Gestão Financeira, Nibo Obrigações Plus, and Nibo BPO—covering cash flow tracking, accounts payable/receivable, boleto and PIX issuance, NFS-e electronic service invoice emission, automatic bank reconciliation via Open Finance, accounting obligations management, tax recalculation, fiscal monitoring, document automation, and WhatsApp-integrated client communication, all powered by AI-driven automation and supported by a public REST API.
Is Nibo a public or private company?
Nibo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Nibo founded?
Nibo was founded in 2012. It employs 101 to 250 people.
Where is Nibo based?
Nibo is headquartered in Rio De Janeiro, Brazil, in the Latin America region.
How does Nibo make money?
Four revenue lines are on record. Subscription Licenses are the primary driver. The others are transaction Fees - Boleto/PIX, partner Commissions and partner Discount Revenue.
Who are Nibo's main competitors?
Direct peers on record are Conta Azul, Omie, Agilize, ContaSimples, Granatum, eNotas and Vindi. QuickBooks (Intuit) is listed as a broad incumbent. Emerging players are Tolife and PlugNotas.
Does Nibo have an API?
Yes. Nibo offers a public API for integration with external systems including ERP, CRM, e-Commerce, and sales-related platforms. The API enables automation of customer and supplier registration, sending entries, and issuing bank slips. It uses OAuth2 for partner authentication and supports OData queries for filtering, ordering, and pagination. The API token can be provided via header (ApiToken parameter) or URL parameter. Available for Nibo Gestão Financeira Premium plan customers. Documentation available at developer.nibo.com.br. Developer documentation is at developer.nibo.com.br.
What industry is Nibo in?
Nibo's product category is Financial Management Software. Its primary akta.pro industry code is FSAGALAJ, Embedded Tax, Accounting & Invoicing Finance, with a secondary code of FSABABAE, SME Treasury & Liquidity Management (FX, Hedging, Sweep/Investment). Its NAICS code is 52 and its SIC code is 6199.