What QueroQuitar does

QueroQuitar is a Brazilian fintech marketplace for debt negotiation, founded in 2015 and headquartered in Osasco (São Paulo metropolitan area), operating as QUERO QUITAR SA. The company's core product is a free-to-consumer digital platform — accessible via web and mobile app — where Brazilian individuals and small businesses enter a CPF or CNPJ to retrieve outstanding debts aggregated from 40+ integrated creditor partners (including Santander, BTG Pactual, BV, Claro, Porto Seguro, Renner, Casas Bahia, Carrefour, and Recovery), compare personalized renegotiation offers with discounts reportedly up to 99%, and complete settlement entirely online, with credit-bureau cleanup claimed within five business days of first payment. Underlying technology consists of formally authorized API integrations into creditor debt databases and end-to-end digital agreement-to-boleto workflows, hosted on AWS, with LGPD-compliant data handling. QueroQuitar is an official partner of the Brazilian government's Desenrola Brasil program (including Desenrola 2.0), a regulatory positioning that channels policy-driven renegotiation volume through the platform.

The company monetizes on the creditor side via transaction fees or commissions on successfully facilitated agreements, while consumers access the service for free. It has expanded into adjacent verticals through the EZZE Seguros distribution partnership for personal accident insurance (QueroSeguros sub-brand — R$75.60/month plans, 350,000+ cumulative policies sold), plus credit (QueroCredito) and health (QueroSaude) sub-brands. Creditor integrations, government program alignment, and the 160+ headcount in the insurance segment reflect an ecosystem-buildout GTM anchored by API integrations on the B2B side and product-led, self-serve digital acquisition on the consumer side. The company has cumulatively raised roughly R$20M from investors including doValue (Italian debt management group, R$15M December 2021 round), BR Startups, Bossa Invest, 500 Global, Wayra, MSW Capital, 4Legacy, and Altamira, and reports RA1000 Reclame Aqui certification alongside coverage in Forbes Brasil and other major Brazilian media outlets.

Name

QueroQuitar

Legal name

QUERO QUITAR SA

Website

https://queroquitar.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

QueroQuitar is a Brazilian fintech marketplace that lets consumers consult and settle outstanding debts via CPF/CNPJ across 40+ integrated creditor partners for free, monetizing through creditor transaction fees, government Desenrola Brasil program partnerships, and an EZZE Seguros insurance distribution line.

Ownership category

akta.pro rank

Product category

Debt Negotiation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

P2P Debt Consolidation & Refinancing (FSAKAHAB)

akta.pro secondary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

Keywords

• Debt negotiation platform
• Financial marketplace
• Credit recovery services
• Debt consolidation
• Consumer credit solutions

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Negotiation Platform (Free to Consumer): The core platform is offered free of charge to individual consumers. Users can consult debts, receive personalized offers, and close debt renegotiation agreements at no cost. The platform is monetized by charging creditors a fee for each agreement successfully facilitated through the platform, or by earning a commission on the negotiated debt value.
2. Insurance Products (EZZE Seguros Partnership): QueroQuitar acts as a distribution channel for personal accident insurance products underwritten by EZZE Seguros. The platform earns commissions on insurance policies sold through the QueroQuitar insurance portal, with plans starting at R$75.60 per month.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

QueroQuitar operates a 100% digital marketplace that connects individual Brazilian debtors and SMEs with over 40 creditor partners to renegotiate outstanding debts with discounts of up to 99%. Users freely consult debts by entering their CPF or CNPJ, compare personalized offers from creditors, and close online settlement agreements, with credit bureau cleanup within 5 business days of first payment. The platform is monetized through transaction fees paid by creditors on each successful renegotiation and through commissions on insurance products distributed via a partnership with EZZE Seguros.

Product overview

QueroQuitar operates as a multi-product fintech platform centered on debt negotiation. The core product is the QueroQuitar digital platform and mobile app, which enables users to identify and negotiate outstanding debts with discounts of up to 99%, with automatic credit bureau cleanup within 5 business days. Beyond the core debt negotiation platform, QueroQuitar has expanded into adjacent financial services including QueroQuitar Crédito (credit products), QueroQuitar Saúde (health services), and QueroQuitar Seguros (personal accident insurance in partnership with EZZE Seguros). The platform connects users with over 50 partner creditors including major banks, retailers, and utilities, and participates as an official partner in the government Desenrola Brasil debt renegotiation program.

Differentiator

Problem solved

Functional benefit

Brands

• QueroQuitar: Main platform brand for debt negotiation services
• QueroCredito
• QueroSaude
• QueroSeguros
• Feirao QueroQuitar

Products and services

• QueroQuitar (Core Debt Negotiation Platform) A 100% digital, free platform that allows Brazilian consumers and SMEs to identify outstanding debts by CPF/CNPJ and negotiate payment settlements with discounts and installment plans from partner creditors, without phone calls or in-person bureaucracy.
• QueroQuitar Mobile App Native mobile application available on Google Play and Apple App Store that enables users to consult debts and complete renegotiation agreements from their smartphones, serving as the primary on-the-go digital channel for the core QueroQuitar platform.
• QueroQuitar Seguros (Personal Accident Insurance) Personal accident insurance distributed via QueroQuitar's platform in partnership with EZZE Seguros. Plans start at R$75.60 per month and include accidental death coverage up to R$1 million, weekly R$10,000 raffles, 24/7 telemedicine for user and dependents, pet assistance, and funeral assistance.
• QueroQuitar Crédito (Credit Services) Credit products and services offered through the QueroQuitar platform, allowing users to access credit offerings as part of the company's expanding financial services portfolio.
• QueroQuitar Saúde (Health Services) Health-related services offered as an adjacent offering within the QueroQuitar financial services ecosystem.

Quantifiable outcome

• Up to 99% discount on debts — example shown for TA Suplementos: R$2,000 debt negotiated to R$20
• +4 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and flagship.

• EZZE SeguroscoreStrategic or Co-development PartnerQueroQuitar has a distribution partnership with EZZE Seguros, a 100% Brazilian insurance company with over R$10 billion in assets. QueroQuitar distributes personal accident insurance products underwritten by EZZE, including plans starting at R$75.60/month with coverage up to R$1 million. QueroQuitar earns commissions on each policy sold, and EZZE provides the insurance products and underwriting.
• SantandercoreChannel Partner/ Reseller/ DistributorSantander is one of the largest creditor partners on the QueroQuitar platform. Santander authorizes QueroQuitar to access its debt data via API, enabling Santander customers to renegotiate their debts through QueroQuitar with competitive discounts and payment terms.
• ClarocoreChannel Partner/ Reseller/ DistributorClaro is a creditor partner on the QueroQuitar platform, enabling its customers to renegotiate telecommunications and other debts through the platform.
• RecoverycoreChannel Partner/ Reseller/ DistributorRecovery is a major debt collection and credit recovery company that partners with QueroQuitar to offer renegotiation channels for debts under its management.
• BTG Pactual (BTG)coreChannel Partner/ Reseller/ DistributorBTG Pactual is a creditor partner on the QueroQuitar platform, enabling its customers to renegotiate debts through the platform.
• Desenrola Brasil (Government Program)flagshipStrategic or Co-development PartnerQueroQuitar is an official partner of the Brazilian government's Desenrola Brasil debt renegotiation program (including Desenrola 2.0). This government partnership enables QueroQuitar users to access government-mandated renegotiation offers with discounts of up to 90% on debts. The partnership positions QueroQuitar as a trusted platform in the national debt relief ecosystem.

Scale indicators8 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• Geru: Brazilian online lending platform serving credit-constrained consumers. Partially overlapping with QueroQuitar's target segment (consumers re-entering the credit system) and an emerging fintech competitor.
• RecargaPay: Brazilian fintech offering payments, prepaid, and bill-related services. Comparable as a Brazilian consumer fintech hub where users manage recurring financial obligations and could overlap with QueroQuitar's debt-related use cases.

Direct peers

• Acordo Certo: Brazilian online debt negotiation marketplace allowing consumers to negotiate outstanding debts with multiple creditors. Highly comparable in business model, target customer, and self-serve digital approach to QueroQuitar.
• Negocie Online: Brazilian debt renegotiation platform connecting debtors with creditors via digital channels. Operates in the same horizontal marketplace model as QueroQuitar, focusing on discounted settlement offers for Brazilian consumers.
• Serasa Limpa Nome: Brazil's most well-known debt renegotiation platform operated by Serasa, the dominant Brazilian credit bureau. Directly competes with QueroQuitar for the same consumer segment and offers negotiation with a large network of creditor partners.

Broad incumbents

• doValue Group: Italian credit management and servicing group that led QueroQuitar's R$15M round. Operates large-scale debt servicing and recovery across Europe; directly comparable business model and strategic relevance as a potential acquirer/partner.
• Banco PAN: Brazilian bank (part of BTG Pactual group) that operates its own debt renegotiation portal. Functions as both a creditor partner and a competitor to QueroQuitar for direct renegotiation traffic.
• Creditas: Major Brazilian consumer finance platform offering secured lending (auto, home, payroll) along with broader financial marketplace services. Comparable as a Brazilian fintech hub with embedded financial products and strong brand.
• Serasa Experian: Brazil's leading credit bureau and broader consumer credit information services provider, owner of the Limpa Nome platform. Broad incumbent with overlapping debt renegotiation capabilities as part of a much wider credit-data portfolio.

Regional players

• MoneyLion: US-based consumer financial wellness and credit marketplace platform offering debt tools, banking and lending. Operates a comparable debt-management marketplace model but in the US market rather than Brazil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/queroquitar
• YouTubeyoutube.com/channel/UCvtIh87lRVT8ll8oBkgRzEg
• Facebookfacebook.com/queroquitar
• LinkedInlinkedin.com/company/queroquitar
• Instagraminstagram.com/queroquitar
• TikToktiktok.com/@queroquitar

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds6 records

Investors9 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 QueroQuitar