Rebel

What Rebel does

Rebel is a Brazilian fintech operating as a bank correspondent (correspondente bancário) that facilitates online personal loan origination, connecting individual borrowers with three partner financial institutions: Lecca Crédito Financiamento e Investimento S.A., QI Sociedade de Crédito Direto S.A., and Open Co Sociedade de Crédito Direto S.A. The company is legally operated by OPEN CO TECNOLOGIA S.A. (CNPJ 20.955.843/0001-59), headquartered in São Paulo, Brazil, and was founded in 2016. Its sole core product, Crédito Pessoal Rebel, allows users to simulate, contract, and manage unsecured personal loans with repayment terms ranging from 6 to 36 months and disclosed monthly interest rates between 1.9% and 9.90% (annual rates from 25.34% to 210.43%). Rebel does not lend directly; instead, it earns commissions from the partner financial institutions, and consumers receive transparent disclosure of interest rates, fees, IOF taxes, and the total effective cost (CET) before contracting. The firm is a member of ABCD (Associação Brasileira de Crédito Digital) and adheres to the entity's self-regulatory code of ethics.

The company's revenue model is commission-based on loan origination volume, with the firm employing 51-100 staff and having raised over $62 million cumulatively across multiple funding rounds between 2016 and 2019, including a $42.4 million round from Franklin Templeton and a $10 million Series 2 round led by FinTech Collective with participation from XP Inc. and MONASHEES. Leadership comprises co-founders Rafael Pereira (CEO), Andre Botelho Bastos (COO), and Paulo Asterio Nunes (CTO), alongside a CMO, Chief Data Scientist, and VP of FP&A. As of the most recent website snapshot, rebel.com.br redirects new credit customers to Geru, suggesting a strategic alignment, partnership, or migration to the Geru credit platform. The underlying technology stack is not publicly disclosed, but the firm participates in the AWS and Google for Startups ecosystems and employs data science leadership, indicating cloud-based infrastructure and likely ML-assisted credit decisioning within the constraints of the correspondent banking model.

**IMPORTANT NOTE:** The input dataset contains a material conflict. One data block (firmographics short description, company intelligence records, and Series B news) appears to describe a different North American entity named "REBEL" — a B-Corp certified returns recommerce marketplace in Kannapolis, NC that closed a $25M Series B in November 2025 led by MarcyPen Capital Partners. The website text (rebel.com.br), legal entity (OPEN CO TECNOLOGIA S.A.), leadership roster (Rafael Pereira, Andre Botelho Bastos, Paulo Asterio Nunes), and 2016-2019 funding rounds (XP Inc., MONASHEES, FinTech Collective, Franklin Templeton) all unambiguously point to the Brazilian personal loan fintech described above. Per the conflict-resolution rule preferring first-party and most-specific sources, this analysis treats Rebel as the Brazilian fintech and does not merge data from the unrelated North American REBEL entity.

Name

Rebel

Legal name

OPEN CO TECNOLOGIA S.A.

Website

https://rebel.com.br

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Rebel is a Brazilian fintech operating as a bank correspondent that facilitates online personal loan origination for retail consumers by connecting borrowers with three partner lenders (Lecca Crédito, QI Tech, and Open Co SCD), earning origination commissions. Founded 2016, headquartered in São Paulo.

Ownership category

akta.pro rank

Product category

Online Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)

Keywords

• Online personal loans
• Consumer credit
• Fintech lending
• Bank correspondent
• Digital credit platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Marketplace Commission on Returns: REBEL earns revenue by facilitating the recommerce of retailer returns through its marketplace platform, taking a commission on each transaction. The marketplace connects retailers looking to recover value from returns with buyers seeking discounted goods.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Rebel operates as an online personal loan platform in Brazil, functioning as a bank correspondent (correspondente bancário) that connects individual borrowers with partner financial institutions including Lecca Crédito, QI Tech, and Open Co SCD. The platform enables users to simulate, contract, and manage personal loans with repayment terms of 6 to 36 months and interest rates ranging from 1.9% to 9.90% per month. Open Co Tecnologia is remunerated by partner financial institutions and does not charge customers directly, providing transparent disclosure of interest rates, fees, taxes (IOF), and the effective total cost (CET).

Product overview

Rebel operates as a single core product offering — a personal loan (crédito pessoal) platform. The company functions as a bank correspondent (correspondente bancário), not a direct lender, facilitating credit connections between customers and partner financial institutions. The product enables users to simulate, contract, and manage personal loans with repayment periods of 6 to 36 months and interest rates ranging from 1.9% to 9.90% per month.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Pessoal Rebel (Rebel Personal Loan) Online personal loan product offered by Rebel in Brazil, enabling individual borrowers to simulate, contract, and manage personal credit with terms of 6 to 36 months and interest rates from 1.9% to 9.90% per month. Rebel's parent entity Open Co Tecnologia acts as a bank correspondent (correspondente bancário), earning remuneration from partner financial institutions and disclosing the effective total cost (CET), fees, and IOF before contracting.

Quantifiable outcome

• 2,640% growth in three years
• +2 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Geru: Brazilian online personal-loan platform currently receiving Rebel-branded traffic per rebel.com.br's 'Rebel is changing, go to Geru' message. Operates a similar high-CET, short-tenor personal credit model and is the most direct functional peer because Rebel users are being migrated onto it.
• Lecca Crédito: Named partner lender on rebel.com.br (Lecca Crédito Financiamento e Investimento S.A.). A Brazilian consumer and small-business lender that effectively competes with - while also supplying - Rebel; comparable because it serves the same end-borrower with personal credit at similar monthly rates.
• QI Tech: Brazilian financial-infrastructure and Sociedade de Crédito Direto (SCD) operator; one of Rebel's named partners. Comparable because QI Tech both originates consumer credit (overlapping end-market) and provides embedded-credit rails that compete with Rebel's correspondent funnel.
• Open Co SCD: Brazilian SCD (Sociedade de Crédito Direto) and named Rebel partner that directly issues personal loans. Comparable as a direct-balance-sheet lender in the same high-CET consumer credit segment, illustrating both an upside (partner) and a competitive threat (bypassing correspondents).
• Bxblue: Brazilian digital broker focused on antecipação de recebíveis and crédito consignado. Comparable to Rebel as a thin, asset-light online credit intermediary that aggregates borrower demand and routes it to partner lenders - a structurally similar business model in the same end-market.

Broad incumbents

• Creditas: One of Brazil's largest digital consumer credit platforms, offering secured and unsecured personal loans, auto, and home-equity products. Comparable as a broader, better-capitalized incumbent in Brazilian consumer credit that competes for the same end-borrower and could disintermediate correspondents like Rebel.
• RecargaPay: Brazilian fintech super-app combining prepaid, payments, and credit products serving underbanked consumers. Comparable as a broader fintech that overlaps Rebel's target customer (unbanked/underbanked Brazilian borrowers) while also distributing personal credit.
• Nubank: Brazil's largest digital bank with a fast-growing personal-loan and overdraft book. Comparable as a dominant, well-capitalized incumbent whose direct-to-consumer origination could erode the funnel value of correspondent intermediaries like Rebel.
• C6 Bank: Brazilian digital bank offering personal loans, payroll loans, and credit cards to mass-market and affluent segments. Comparable as a broader incumbent extending proprietary credit products to the same retail borrowers Rebel targets.
• Banco Inter: Brazilian digital bank with a sizeable consumer credit book (CDC, personal loans, and refinanciamento). Comparable as a scaled incumbent that competes for Brazilian retail credit demand and has the balance sheet to disintermediate thinner intermediaries.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

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

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds8 records

Investors7 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 Rebel