Alpop
Alpop is a Brazilian fintech that uses a proprietary CPF-based ML algorithm to underwrite tenants without guarantors, distributing rental credit guarantees through 300+ partner real estate agencies across Brazil's 23 states.
- Company typePrivate
- Founded2017
- HeadquartersCampinas, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Alpop does
Alpop is a Brazilian fintech founded in 2017 and operational since 2020, headquartered in Campinas, São Paulo. The company operates as a financial intermediary in the residential rental market, replacing the traditional guarantor (fiador) with an institutional credit guarantee and risk assessment. Its core offering, "Aluguel sem Fiador" (rental without guarantor), enables tenants—particularly the 63 million Brazilians with negative credit records (negativados) and 30 million with informal income who are excluded from conventional rental housing—to lease properties using only a CPF number, without income documentation or a personal guarantor.
Alpop firmographics
Firmographics- Name
- Alpop
- Legal name
- Alpop
- Website
- https://alpop.com.br
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Alpop is a Brazilian fintech that uses a proprietary CPF-based ML algorithm to underwrite tenants without guarantors, distributing rental credit guarantees through 300+ partner real estate agencies across Brazil's 23 states.
- Ownership category
- akta.pro rank
Alpop industry classification
Industry- Product category
- Rental Credit & Guarantee Services
- NAICS
- Rental and Leasing Services (532)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Rent-to-Own (RTO) & Lease-to-Own Consumer Financing (FSAKAOAC)
- akta.pro secondary industry
- Rent-to-Own / Lease-to-Own Short-Term Credit (FSAKAMAK)
Keywords
Where Alpop is headquartered
LocationHeadquarters
- HQ city
- Campinas
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Alpop business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Credit Guarantee / Rent Protection Fees: Alpop charges partner real estate agencies and property owners a fee for providing credit guarantee and rent protection services. The company guarantees landlords receive rent payments on time regardless of tenant behavior, absorbing default risk. Fees are embedded in the rental transaction facilitated by partner agencies.
- Credit Assessment Services: Revenue is generated through credit analysis and risk assessment services provided to real estate agencies and landlords, evaluating tenant profiles using the CPF-based algorithm. The service enables agencies to serve credit-challenged tenants (negativados) and informal-income renters who would otherwise be excluded from the rental market.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom pricing based on portfolio size and partnership terms |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
Alpop product offering
Product offeringCore offering
Alpop is a Brazilian fintech that operates as a financial agent in rental transactions, enabling tenants to rent residential properties without a traditional guarantor. Through a proprietary machine-learning algorithm that evaluates more than 70 socioeconomic and behavioral parameters using only the tenant's CPF, Alpop generates instant credit and risk assessments, underwrites a rent guarantee to landlords, and manages monthly receivables (rent, condo fees, IPTU) via a single boleto. The service is delivered primarily through 300+ partner real estate agencies (imobiliárias) across Brazil.
Product overview
Alpop is a Brazilian fintech operating as a financial agent in rental transactions, offering a unified platform with three service segments: real estate agencies (imobiliárias), property owners (proprietários), and tenants (locatários). The core product is the 'Aluguel sem Fiador' (rental without guarantor) service, supported by predictive credit analysis using proprietary machine learning algorithms evaluating over 70 parameters. Additional products include 'Aluguel Protegido' (guaranteed rent payment with zero non-payment), 'Gestão de Recebíveis' (receivables management with boleto issuance and collections), and 'Proteção contra Danos' (damage coverage at end of rental).
Differentiator
Problem solved
Functional benefit
Products and services
- Aluguel sem Fiador (Rental without Guarantor) Core service for tenants (locatários) enabling residential rentals in Brazil without a guarantor, using Alpop's CPF-based credit algorithm as the financial guarantee. Approved tenants receive a single monthly boleto covering rent, condo fees, and IPTU.
- Análise de Crédito Preditiva (Predictive Credit Analysis) Proprietary machine-learning credit evaluation service for real estate agencies (imobiliárias) that scores tenant reliability using more than 70 socioeconomic and behavioral parameters based solely on the applicant's CPF, returning a credit assessment in minutes without income verification.
- Aluguel Protegido (Protected Rental) Rent guarantee product for property owners (proprietários) that ensures they receive rent payments on the agreed date every month regardless of tenant behavior, with Alpop absorbing default risk and covering the period until the keys are returned.
- Gestão de Recebíveis (Receivables Management) Automated monthly invoice (boleto) generation and collection management for rental payments, including condo fees and IPTU, with collection follow-up for late payments. Offered to real estate agencies to reduce manual collections workload.
- Proteção contra Danos (Damage Protection) Coverage for property damage occurring during and at the end of the rental period, protecting property owners (proprietários) from end-of-lease repair costs.
Quantifiable outcome
- Guaranteed rent payment on the agreed date every month, eliminating default risk for property owners
- +2 more outcomes
Companies that use Alpop
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Alpop technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature3 records
Alpop partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Partner Real Estate Agenciescore300+ independent real estate agencies across 23 Brazilian states serve as the primary distribution channel for Alpop's services. These agencies integrate Alpop's CPF-based credit assessment and rent guarantee into their rental offerings, enabling them to serve credit-challenged tenants and guarantee rent payments to landlords. The partner network is the core of Alpop's B2B2C go-to-market motion.
Scale indicators6 records
Recent moves3 records
Expansion highlights5 records
Alpop competitors and assessment
Company assessmentOthers
- Brio: Brazilian real estate credit fintech enabling property financing; relevant adjacent peer exploring similar credit infrastructure for the Brazilian real estate vertical.
Emerging players
- Rhino: US insurtech offering cash deposit alternatives backed by surety bonds. Comparable in addressing the guarantor/deposit gap for renters with thin credit, though more deposit-focused than full rent guarantee.
- Jetty: US deposit replacement and credit-based rental product company; comparable in providing tenants alternatives to traditional cash deposits/guarantors, but focused on the US market and deposit-replacement use case.
Direct peers
- TheGuarantors: US-based rent guarantee insurance provider offering landlord coverage against tenant default and rent loss. Directly comparable business model to Alpop's 'Aluguel Protegido' product, just in the US market.
- Credpago: Brazilian fintech providing rent guarantee and credit analysis for residential leases — a near-identical value proposition to Alpop in the same CPF-based tenant scoring model, serving imobiliárias and landlords.
Broad incumbents
- Loft: Brazilian proptech operating in residential real estate transactions and rentals; adjacent comparison given overlapping Brazilian market, real estate distribution, and tenant-facing product surface.
- QuintoAndar: Brazilian proptech unicorn offering end-to-end rental management including tenant screening and guarantee — broader scope than Alpop, but directly competitive on credit analysis and landlord rent guarantee in Brazil.
- Cresol: Brazilian cooperative credit institution offering consumer credit and rural lending; relevant comparable for credit underwriting expertise and Brazilian subprime lending infrastructure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Alpop social profiles
Digital presenceAlpop financial estimates
Financial estimateRevenue estimate
Valuation estimate
Alpop leadership team
Management profileNumber of profiles
Profiles1 record
Alpop funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Alpop 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 Alpop
What does Alpop do?
Alpop is a Brazilian fintech that operates as a financial agent in rental transactions, enabling tenants to rent residential properties without a traditional guarantor. Through a proprietary machine-learning algorithm that evaluates more than 70 socioeconomic and behavioral parameters using only the tenant's CPF, Alpop generates instant credit and risk assessments, underwrites a rent guarantee to landlords, and manages monthly receivables (rent, condo fees, IPTU) via a single boleto. The service is delivered primarily through 300+ partner real estate agencies (imobiliárias) across Brazil.
Is Alpop a public or private company?
Alpop is a private company. It is classified as venture growth investor backed and is currently operating.
When was Alpop founded?
Alpop was founded in 2017. It employs 11 to 50 people.
Where is Alpop based?
Alpop is headquartered in Campinas, Brazil, in the Latin America region.
How does Alpop make money?
Two revenue lines are on record. Credit Guarantee / Rent Protection Fees are the primary driver. The others are credit Assessment Services.
Who are Alpop's main competitors?
Brio is listed as an others. Emerging players are Rhino and Jetty. Direct peers are TheGuarantors and Credpago. Broad incumbents are Loft, QuintoAndar and Cresol.
Does Alpop have an API?
No public API is recorded for Alpop.
What industry is Alpop in?
Alpop's product category is Rental Credit & Guarantee Services. Its primary akta.pro industry code is FSAKAOAC, Rent-to-Own (RTO) & Lease-to-Own Consumer Financing, with a secondary code of FSAKAMAK, Rent-to-Own / Lease-to-Own Short-Term Credit. Its NAICS code is 532 and its SIC code is 7320.