Bankme
Bankme is a Brazilian fintech founded in 2020 that operates a structured credit platform enabling medium and large Brazilian companies (lucro real, revenue above R$50M) to run their own mini-bank credit infrastructure at 20% of traditional FIDC cost, with securitizer-integrated products including CCB, debentures, and receivables anticipation.
- Company typePrivate
- Founded2020
- HeadquartersLondrina, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Bankme does
Bankme is a Brazilian fintech founded in 2020 and headquartered in Londrina, Paraná, with a secondary office in São Paulo. The company provides structured credit solutions that enable medium and large Brazilian companies to operate their own "mini-bank" credit infrastructure through a securitizer-based framework. The company targets industries enrolled in the lucro real (actual profit) tax regime with annual revenue above R$50 million, as well as companies with robust sales ecosystems that sell on credit terms and seek to capture interest spreads traditionally absorbed by banks.
The core product is the Mini Banco platform, a credit structuration system that replaces traditional FIDC (Fundo de Investimento em Direitos Creditórios) structures at approximately 20% of the cost and with a 3-day setup versus 6 months for conventional FIDC. The platform integrates securitizer, legal, and accounting functions, offering products including CCB (Cédula de Crédito Bancário), private debentures, commercial notes, receivables anticipation, risco sacado (supplier risk), and tax efficiency modules. Bankme has additional add-on modules for capital leverage (rediscount and capital injection), facilitated fundraising, and investor capital returns.
Bankme generates revenue through transaction fees on structured credit operations and operates a sales-led go-to-market targeting enterprise clients through direct outreach and diagnostic consultations. Since 2020, the company has managed 70+ mini banks and operates across 18 Brazilian states, with R$1 billion+ in cumulative volume operated, R$400-500 million in capital under management, and 163+ active solutions. Originally founded as a factoring operation, Bankme pivoted in 2023 to its current structured credit solutions positioning and has raised approximately R$12.9 million (US$2.6 million) across two seed rounds, with the most recent US$1.5 million from DOMO.VC in December 2023. The company is LGPD-compliant and partnered with ABRAFESC, the Brazilian Association of Factoring and Securitization.
Bankme firmographics
Firmographics- Name
- Bankme
- Legal name
- Bankme S.A.
- Website
- https://bankme.tech
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Bankme is a Brazilian fintech founded in 2020 that operates a structured credit platform enabling medium and large Brazilian companies (lucro real, revenue above R$50M) to run their own mini-bank credit infrastructure at 20% of traditional FIDC cost, with securitizer-integrated products including CCB, debentures, and receivables anticipation.
- Ownership category
- akta.pro rank
Bankme industry classification
Industry- Product category
- Structured Credit Solutions
- NAICS
- Sales Financing (52222)
- SIC
- Finance Services (6199), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM), Microloans & Working Capital Loans (FSAKAGAA)
Keywords
Where Bankme is headquartered
LocationHeadquarters
- HQ city
- Londrina
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Bankme business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Structured Credit Solutions Fees: Bankme provides structured credit solutions enabling companies to create mini-banks and credit operations. Revenue is generated through fees for structuring and operating credit solutions that replace traditional FIDC at significantly lower cost (20% of traditional FIDC).
- Securitization-based Credit Operations: Operating structured credit solutions through securitizer framework, earning from credit operations including anticipation of receivables, CCB, debentures, and risk sacado.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Structured Credit Solutions for industries with net profit (lucro real) and revenue above R$50 million |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Bankme product offering
Product offeringCore offering
Bankme creates and operates "mini banks" for medium and large Brazilian companies through its structured credit solutions platform (Mini Banco). The platform enables companies to build their own credit infrastructure via securitizer structures at approximately 20% of the cost of a traditional FIDC, with 3-day setup versus 6 months. It offers credit products including CCB, private debentures, commercial notes, receivables anticipation, and risk sacado, combined with integrated legal, accounting, and tax-efficient structuring.
Product overview
Bankme is a Brazilian fintech that provides a comprehensive platform for structured credit solutions, primarily serving medium and large companies in Brazil. The core offering is the Mini Banco product, which enables companies to create and operate their own mini-banks with a full credit infrastructure at 20% of traditional FIDC costs. The platform is structured via securitizer and includes integrated legal, accounting, and operational support. Key products include CCB (Cédula de Crédito Bancário) for loan issuance, Debêntures for private capital raising, Nota Comercial for commercial notes, Risco Sacado for credit risk management, and Antecipação de Recebíveis for receivables financing. Additional modules include Alavancagem (rediscount and capital injection), Captação Facilitada (facilitated fundraising), Eficiência Tributária (tax optimization), and Rentabilidade do Capital (investor returns). The platform supports operations with equity between R$2-30 million and targets industries with annual revenue above R$50 million.
Differentiator
Problem solved
Functional benefit
Brands
- Mini Banco: A structured credit solution that allows companies to operate their own bank-like credit operations at 20% of traditional FIDC costs, providing access to credit products including receivables anticipation, CCB, debentures, and risk management.
- Soluções de crédito estruturado
Products and services
- Mini Banco (Mini Bank) Bankme's flagship offering enabling medium and large Brazilian companies to create and operate their own mini-banks for structured credit operations. Functions as a white-label credit infrastructure solution structured via securitizer, allowing companies to originate, manage, and operate credit products at 20% of traditional FIDC costs.
- Soluções de Crédito Estruturado (Structured Credit Solutions) Umbrella platform offering structured credit solutions at 20% of traditional FIDC cost. Enables companies to operate via securitizer structure with integrated legal, accounting, and operational support for credit origination, targeting industries with equity between R$2-30 million.
- CCB (Cédula de Crédito Bancário) Credit bank note product allowing issuance of credit instruments with or without collateral, enabling loans for individuals and businesses with extrajudicial collection rights in case of default.
- Debêntures (Private Debentures) Private debentures product enabling companies to raise capital directly from their network of contacts, allowing custom return conditions for investors beyond traditional CDI rates.
- Nota Comercial (Commercial Note) Commercial note product for credit operations and receivables management within the structured credit platform.
- Risco Sacado (Supplier Credit Risk) Credit risk product enabling companies to extend payment terms to buyers without compromising cash flow, transferring credit risk to the buyer's capability rather than the seller's.
- Antecipação de Recebíveis (Receivables Anticipation) Receivable anticipation product allowing companies to receive future payments upfront with discount, improving cash flow without creating new debt.
- Alavancagem (Leverage / Rediscount and Capital Injection) Capital leverage product including rediscount and capital injection solutions, enabling financial companies to access liquidity for new credit operations through title rediscounting or CCB/debenture issuance.
- Captação Facilitada (Facilitated Fundraising) Facilitated fundraising module helping clients raise capital through private debentures with exclusive reporting portals for investors.
- Eficiência Tributária (Tax Efficiency) Tax efficiency solution enabling legal reduction of tax burden through structured credit operations, with potential for 34% savings on anticipation operations through preferential tax treatment.
- Rentabilidade do Capital para Investidores (Capital Returns for Investors) Capital profitability module enabling companies to offer attractive returns to investors through direct private fundraising, bypassing traditional banking intermediaries.
Companies that use Bankme
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles1 record
Bankme technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Bankme partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ABRAFESC (Associação Brasileira de Factoring, Securitização)minorBankme closed a partnership with ABRAFESC (Brazilian Association of Factoring, Securitization) providing discounts on setup and monthly fees for members. This partnership aims to promote structured credit solutions among association members.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Bankme competitors and assessment
Company assessmentBroad incumbents
- BTG Pactual: Brazil's largest independent investment bank with a dedicated middle-market credit and securitization franchise. BTG provides structured credit, debentures, and capital markets solutions comparable to Bankme's offering, but at much larger scale and with a full-service investment banking platform.
- Inter&Co: Brazilian digital bank and commerce super-app serving both consumer and business customers. Comparable to Bankme as a Brazilian digital financial services platform with B2B credit capabilities, but at vastly larger scale and with a deposit-taking bank charter.
- Nubank: Latin America's largest digital financial services platform with growing B2B and SMB offerings. Comparable to Bankme as a Brazilian fintech delivering digital financial products, though Nubank's mass-market consumer focus and massive scale differ from Bankme's middle-market industrial credit niche.
Direct peers
- Cora: Brazilian B2B fintech providing digital banking accounts, payments, and credit solutions to SMBs. Cora is comparable to Bankme as a B2B-focused fintech embedding financial services (including credit) into Brazilian companies, though with a broader SMB focus versus Bankme's middle-market industrial concentration.
- Conta Azul: Brazilian B2B financial management and credit platform for SMBs. Comparable to Bankme in serving Brazilian businesses with embedded financial products including credit, though Conta Azul's core ERP/orbitação focus differs from Bankme's securitization-first approach.
- Brazilian Securities: Brazilian securitization company (securitizadora) issuing CRIs, CRAs, and structured credit instruments for companies. Directly comparable to Bankme's securitization-based approach, but as an established incumbent in the traditional securitizer market rather than a tech-led platform.
Emerging players
- Pagaleve: Brazilian BNPL fintech providing embedded credit at checkout for B2B and B2C transactions. Comparable to Bankme in delivering alternative credit solutions to Brazilian merchants, though focused on point-of-sale installment credit rather than industrial-scale structured credit.
- Will Bank: Brazilian digital banking-as-a-service and embedded finance provider targeting companies that want to offer financial products. Comparable to Bankme in enabling businesses to operate banking-like functions, though Will Bank focuses on consumer-facing digital wallets rather than industrial credit infrastructure.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Bankme social profiles
Digital presenceBankme compliance and trust
Trust signalCompliance1 record
Bankme financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bankme leadership team
Management profileNumber of profiles
Bankme funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bankme 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 Bankme
What does Bankme do?
Bankme creates and operates "mini banks" for medium and large Brazilian companies through its structured credit solutions platform (Mini Banco). The platform enables companies to build their own credit infrastructure via securitizer structures at approximately 20% of the cost of a traditional FIDC, with 3-day setup versus 6 months. It offers credit products including CCB, private debentures, commercial notes, receivables anticipation, and risk sacado, combined with integrated legal, accounting, and tax-efficient structuring.
Is Bankme a public or private company?
Bankme is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bankme founded?
Bankme was founded in 2020. It employs 51 to 100 people.
Where is Bankme based?
Bankme is headquartered in Londrina, Brazil, in the Latin America region.
How does Bankme make money?
Two revenue lines are on record. Structured Credit Solutions Fees are the primary driver. The others are securitization-based Credit Operations.
Who are Bankme's main competitors?
Broad incumbents on record are BTG Pactual, Inter&Co and Nubank. Direct peers are Cora, Conta Azul and Brazilian Securities. Emerging players are Pagaleve and Will Bank.
Does Bankme have an API?
No public API is recorded for Bankme.
What industry is Bankme in?
Bankme's product category is Structured Credit Solutions. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAGAAAM, Customer Experience & Engagement (CRM, Support, Rewards, Loyalty). Its NAICS code is 52222 and its SIC code is 6199.