Bom Pra Crédito

What Bom Pra Crédito does

Bom Pra Crédito (legal entity PP Promotora de Vendas S.A.) is a Brazilian digital credit marketplace founded in 2013 and headquartered in São Paulo, operating as a correspondente bancário under Resolução CMN nº 4.935/2021 and regulated by the Banco Central do Brasil. The company describes itself as the first online credit platform in Brazil and connects individual borrowers with more than 70 partner financial institutions through a single digital registration that returns pre-approved credit offers within five minutes. The platform is fully self-service and free for end users; revenue is generated via commissions paid by financial institution partners when loans are originated, with interest rates on offered products ranging from 8.7% to 605.84% per annum across terms of 3–36 months.

The product surface spans unsecured personal loans, payroll-deductible (consignado) loans for public and private-sector workers, home equity, auto equity, cellphone-collateral credit, electricity-bill-linked credit, salary advance, FGTS saque-aniversário anticipation, PIX Parcelado, microcredit, and credit cards, alongside dedicated products for MEI/microentrepreneurs, autônomos, CNPJ businesses, and credit-restricted borrowers (negativados). The underlying matching engine is the proprietary Perfil de Crédito BPC scoring system, which evaluates user data and documents to estimate credit risk and route users to suitable partner offers. Distribution is exclusively digital via the company's website and mobile channels, supplemented by a Partner Lending API for embedded B2B distribution, an affiliate program, and SEO-led acquisition across city-specific landing pages nationwide. Cumulative scale metrics disclosed include R$ 2 billion+ in credit facilitated, 12 million+ registered users, 13 million+ simulations, and 2 million+ monthly site visits.

Name

Bom Pra Crédito

Legal name

PP Promotora de Vendas S.A.

Website

https://bompracredito.com.br

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Bom Pra Crédito is a Brazilian digital credit marketplace, founded in 2013 and headquartered in São Paulo, that connects individual borrowers with 70+ partner financial institutions via a single online registration, earning commissions on originated loans as a regulated correspondente bancário.

Ownership category

akta.pro rank

Product category

Consumer Lending Marketplace

NAICS

Nondepository Credit Intermediation (5222), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Subprime / Credit-Building Credit Cards (FSAKABAJ)

akta.pro secondary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Online credit marketplace
• Consumer lending platform
• Loan comparison service
• Banking correspondent services
• Credit intermediation

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, Infrastructure

Revenue model

1. Commission from Financial Partners: Bom Pra Crédito acts as a correspondent bancário (banking correspondent) and earns commissions from financial institutions when users contract credit products through the platform. The service is completely free for end users.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Bom Pra Crédito is a Brazilian online credit marketplace that lets individual borrowers complete a single online registration and receive pre-approved offers from more than 70 partner financial institutions within 5 minutes. It operates as a correspondente bancário under BACEN regulation, intermediating personal, payroll, secured, FGTS-backed, salary advance, business, and subprime credit products, with a partner-facing API for embedded distribution.

Product overview

Bom Pra Crédito is a digital credit intermediation platform (corresponding bancário) operating as a loan marketplace and comparison aggregator. The platform connects borrowers with over 70 partner financial institutions through a single online registration, offering unsecured personal loans, secured loans (home equity, auto equity, cell phone collateral), payroll loans, FGTS-backed loans, salary advances, and business credit. The core product is the loan comparison and matching engine powered by the proprietary 'Perfil de Crédito BPC' scoring system, which evaluates borrower data to route pre-approved offers. The platform also exposes a partner-facing credit offer API for business partners to embed credit offerings. The service is free for end users — Bom Pra Crédito earns revenue as a corresponding bancário from its financial partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Empréstimo Pessoal Unsecured personal loan offered by partner financial institutions, accessible to Brazilian borrowers through Bom Pra Crédito's single online registration with pre-approved offers within 5 minutes.
• Empréstimo Consignado Payroll-deductible loan where installments are automatically deducted from the borrower's salary or INSS benefit, capped at 30% of net salary, offered by partner banks and financial institutions.
• Empréstimo Consignado Privado Payroll loan variant for private-sector CLT workers whose employers have a convenio with a partner bank, using CTPS Digital for employment verification.
• Empréstimo com Garantia de Imóvel (Home Equity) Loan secured by real estate property (home equity), offering higher loan amounts, reduced interest rates, and extended repayment terms compared to unsecured credit.
• Empréstimo com Garantia de Veículo (Auto Equity) Loan secured by a vehicle (auto equity), allowing borrowers to access credit using their car as collateral, with potentially lower rates than unsecured loans.
• Empréstimo com Garantia de Celular Loan secured by a cell phone (digital device collateral), a smaller-ticket secured credit option for borrowers seeking accessible terms.
• Empréstimo FGTS (Antecipação do Saque-Aniversário) Loan by anticipating the FGTS saque-aniversário benefit, using the worker's FGTS balance as guarantee. Borrowers can anticipate up to 10 years of FGTS balance, with annual debit repayments and interest rates from 1.49% per month.
• Empréstimo na Conta de Luz Credit linked to the electricity bill, where loan installments are added to the electricity account payment.
• Empréstimo com Antecipação de Salário Salary advance product allowing workers to anticipate a portion of their upcoming salary before the regular payday.
• Empréstimo para MEI Credit product specifically designed for Microempreendedores Individuais (MEI), the Brazilian individual microentrepreneur, with options for both personal and business credit.
• Empréstimo para Autônomo Credit product for freelancers, liberal professionals, and self-employed workers (autônomos) who do not have CLT employment ties, offering loan options with income proof via bank statements or CNPJ.
• Empréstimo para Empresa Business loan product for CNPJs (companies), including MEI, small, and large enterprises, offering capital for growth, cash flow, or unforeseen expenses, with disbursement directly to the company account.
• Empréstimo para Negativado Credit options for borrowers with negative credit records (restriction on Serasa/SPC), connecting users to partner financial institutions specializing in subprime lending.
• Cartão de Crédito Credit card products offered by partner financial institutions, with exclusive benefits available through the platform comparison.
• Pix Parcelado Installment payment option using Brazil's instant payment system PIX, allowing split payments on purchases.
• Microcrédito Microcredit loans for small-scale borrowers, typically with lower amounts and accessible requirements for underserved populations.
• API de Oferta de Crédito (Partner Lending API) Programmatic interface for business partners to integrate Bom Pra Crédito's credit offer engine, enabling partner companies to offer credit products to their own customers through the BPC platform.

Quantifiable outcome

• Credit offers received in 5 minutes after single registration
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

24 partnerships are on record, tiered core and minor.

• Western UnioncoreStrategic or Co-development PartnerStrategic partnership announced in press coverage to expand customer portfolio. The partnership aims to leverage Western Union's customer base andBom Pra Crédito's credit matching platform to offer financial products to a broader audience.
• Banco PancoreChannel Partner/ Reseller/ DistributorFinancial institution partner offering credit products through the Bom Pra Crédito platform
• Banco BVcoreChannel Partner/ Reseller/ DistributorFinancial institution partner offering credit products through the Bom Pra Crédito platform
• C6 BankcoreChannel Partner/ Reseller/ DistributorDigital bank partner offering credit products through the platform
• CreditascoreChannel Partner/ Reseller/ DistributorFintech partner specializing in secured credit (vehicle and home equity loans) offered through the platform
• SuperSimcoreChannel Partner/ Reseller/ DistributorDirect credit society partner offering personal loans through the platform
• FaciocoreChannel Partner/ Reseller/ DistributorTechnology partner offering credit products through the platform
• JuvocoreChannel Partner/ Reseller/ DistributorDigital credit partner offering products through the platform
• SimpliccoreChannel Partner/ Reseller/ DistributorDirect credit society partner offering loans through the platform
• BlipayminorChannel Partner/ Reseller/ DistributorPayment services partner integrated with the platform
• KoinminorChannel Partner/ Reseller/ DistributorDigital credit partner offering installment credit options
• crefazcoreChannel Partner/ Reseller/ DistributorCredit, financing and investment society offering loans through the platform
• JBCredminorChannel Partner/ Reseller/ DistributorBusiness intermediation partner offering credit products
• NoVerdecoreChannel Partner/ Reseller/ DistributorTechnology and payments company offering credit through the platform
• OmnicoreChannel Partner/ Reseller/ DistributorCredit, financing and investment partner with long-term presence in the market
• Consiga EmpréstimoscoreChannel Partner/ Reseller/ DistributorCorrespondent banking partner offering loans through the platform
• AgilcoreChannel Partner/ Reseller/ DistributorCorrespondent banking partner offering credit products
• AfinzcoreChannel Partner/ Reseller/ DistributorDirect credit society partner offering loans through the platform
• DeutopminorChannel Partner/ Reseller/ DistributorCorrespondent banking partner
• JeittocoreChannel Partner/ Reseller/ DistributorDigital credit fintech partner offering products through the platform
• Menos JurosminorChannel Partner/ Reseller/ DistributorCorrespondent banking partner focused on lower interest rates
• DinieminorChannel Partner/ Reseller/ DistributorTechnology services partner for credit offerings
• UppminorChannel Partner/ Reseller/ DistributorCredit partner offering products through the platform
• VelotaxcoreChannel Partner/ Reseller/ DistributorFinancial services partner offering credit products

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Serasa (Limpa Nome / eCred): Brazil's largest credit bureau operates Limpa Nome and eCred marketplaces that connect consumers to debt renegotiation and credit offers. Directly comparable in intermediating consumers to partner financial products, with much broader scale and incumbency advantages.
• Mercado Credito: Credit arm of Mercado Livre, providing consumer and merchant credit to the Mercado Livre/Pago ecosystem. Comparable in distributing digital credit to Brazilian consumers via embedded channels, with massive built-in distribution that competes for the same borrower demand.

Direct peers

• Bxblue: Brazilian online platform that compares salary-advance (antecipacao de salario) and personal loan offers from multiple financial institutions via a single registration. Closely comparable business model to Bom Pra Credito's salary-advance and consumer-credit matching flow.
• Geru: Brazilian online lender serving consumers with limited credit access, including subprime borrowers. Comparable in targeting underbanked Brazilian consumers and operating a digital, data-driven credit decisioning model with partner-funded balance sheets.
• Bidu: Brazilian online comparison platform for credit and insurance products from multiple financial partners. Operates an essentially identical marketplace and lead-generation model to Bom Pra Credito, with a content-driven organic acquisition funnel.
• Acordo Certo: Brazilian platform that negotiates and refinances consumer debt, with adjacent credit offer placement. Comparable in intermediating distressed and credit-restricted Brazilian consumers to financial solutions via a partner ecosystem.
• Just (just.com.br): Brazilian digital credit platform offering personal loans and credit comparison with multiple financial partners. Comparable in serving individual consumers and small businesses through a digital, multi-partner intermediation model.
• Pinbank: Brazilian payroll-deductible (consignado) and personal loan intermediary connecting workers and retirees to lender offers. Comparable in intermediating consumer credit through a multi-partner digital marketplace model focused on Brazilian consumers.

Emerging players

• Creditas: Brazilian secured-credit fintech (home equity, auto equity) that is also a Bom Pra Credito distribution partner. Comparable in originating consumer credit via digital channels and using collateralized products to reach underserved segments, but operates its own balance sheet rather than pure intermediation.
• Zapay: Brazilian fintech specializing in vehicle-related credit (IPVA, fines, vehicle refinancing) and consumer credit. Comparable in offering a digital credit intermediation experience with multiple financial partners for Brazilian consumers, though narrower in product scope.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights1 record

Customer concentration

• LinkedInlinkedin.com/company/bompracredito
• Xx.com/bompracredito
• Facebookfacebook.com/bompracredito

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds3 records

Investors5 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 Bom Pra Crédito