KoleK

What KoleK does

Kolek (legal entity KOLEK BRASIL LTDA., CNPJ 49.459.060/0001-66) is a São Paulo-based SaaS fintech founded in 2022 that sells an automated receivables-management platform to Brazilian small and medium-sized businesses. The core product, branded "Sistema de Cobrança Inteligente," orchestrates multi-channel payment reminders — unlimited WhatsApp messages sent from the customer's own phone number, plus email and SMS — and accepts PIX, boleto, and bolepix payments with automatic reconciliation. A configurable rules engine (régua de cobrança) sequences pre-due, due, and overdue communications with escalation, and the platform exposes a financial dashboard for cash-flow visibility.

The technical architecture relies on three structural assets: (i) WhatsApp Business integration that preserves the customer's sender identity, (ii) homologated native integrations with the two dominant Brazilian SMB ERPs (Conta Azul and Omie) for real-time synchronization of clients, invoices, and receipts, and (iii) LGPD-aligned data handling (encryption in transit and at rest, role-based access, audit logs). Beyond the core engine, Kolek packages ten vertical-specific modules — for schools, BPOs, accountants, lawyers, dental clinics, associations, condominiums, gyms, and SaaS companies — sharing the same underlying automation engine and ERP connectors. A recurring-billing module (Sistema de Cobrança com Recorrência), a PIX QR-code generator tool, and a configurable rules-engine product (Régua de Cobrança Automatizada) round out the catalog.

Kolek monetizes through monthly subscriptions priced on a volume-tiered, quote-based model tied to monthly invoice/PIX emissions. The go-to-market is a hybrid motion combining a free self-service demo request with sales-assisted closing via a contact form that captures monthly invoice volume; ERP marketplace partnerships with Conta Azul and Omie serve as channel amplifiers. Total disclosed funding is approximately $80,000 across an Antler pre-seed (2024) and an angel round from Anjos do Brasil (2025). The company claims 500+ customers, with self-reported outcomes including 70% reduction in average payment delay, 50% reduction in delinquency, and approximately 100 hours saved per month per customer; revenue is not publicly disclosed.

Name

KoleK

Legal name

KOLEK BRASIL LTDA.

Website

https://kolek.com.br

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Kolek is a Brazilian SaaS fintech that automates SMB receivables management via WhatsApp, email, and SMS reminders, with PIX and boleto payment acceptance, native integrations with the Conta Azul and Omie ERPs, and vertical-specific modules for schools, BPOs, accountants, and similar segments.

Ownership category

akta.pro rank

Product category

Accounts Receivable Automation

NAICS

Software Publishers (51321)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Order-to-Cash (O2C) Operations (Order Admin, Credit, Invoicing, Collections Handoff) (BPAAAGAK)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Accounts Payable (Invoice Processing, 2/3-Way Match, Vendor Payments) (BPAAAGAA)

Keywords

• Automated payment collection
• Billing automation software
• Whatsapp collection platform
• Pix boleto integration
• Accounts receivable saas

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription - Collection Automation Platform: Subscription-based access to the collection automation platform with features including automated collection rules, WhatsApp/email/SMS messaging, PIX and boleto payment acceptance, ERP integration, and dashboards. Plans are customized based on monthly invoice volume.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

Kolek is a SaaS-enabled fintech platform that automates receivables management for Brazilian businesses by dispatching unlimited WhatsApp, email, and SMS reminders with embedded PIX and Boleto payment links, performing automatic payment reconciliation, and synchronizing transactions with major ERP systems such as Conta Azul and Omie. The platform also provides a configurable collection rules engine with escalation logic, automatic invoice (Nota Fiscal) issuance, and a cash flow dashboard. It serves 500+ SMB and mid-market customers across multiple verticals including schools, BPOs, accountants, lawyers, dental clinics, associations, condominiums, gyms, and SaaS companies.

Product overview

Kolek is a unified intelligent payment collection platform that automates receivables management through WhatsApp, email, and SMS reminders, multi-channel payment collection (PIX, boleto, bolepix), and automated reconciliation. The core platform (Kolek — Sistema de Cobrança Inteligente) is complemented by vertical-specific modules targeting schools, BPOs, accountants, lawyers, dental clinics, associations, condominiums, gyms, and SaaS companies, as well as specialized sub-product modules including Sistema de Cobrança por WhatsApp, Sistema de Cobrança Boleto e PIX, Sistema de Cobrança com Recorrência, Régua de Cobrança Automatizada, and Gerador de QR Code PIX. All modules share the same underlying automation engine and ERP integrations with Conta Azul and Omie.

Differentiator

Problem solved

Functional benefit

Products and services

• Kolek - Sistema de Cobrança Inteligente Intelligent payment collection platform that automates receivables management through unlimited WhatsApp, email, and SMS reminders with embedded PIX and Boleto payment links, automatic reconciliation, configurable collection rules, and a cash flow dashboard. Designed for Brazilian SMBs and mid-market businesses.
• Sistema de Cobrança por WhatsApp WhatsApp-native collection module that automates 100% of collection reminders using the business's own WhatsApp Business number, with unlimited message dispatches and integrated PIX/Boleto payment links.
• Sistema de Cobrança Boleto e PIX Payment collection module that automates invoice generation and sends Boleto and PIX reminders via WhatsApp, email, and SMS with embedded payment links and automatic reconciliation.
• Sistema de Cobrança para Escolas Vertical-specific collection module for schools and educational institutions that automates monthly tuition reminders to parents and guardians via WhatsApp, email, and SMS.
• Sistema de Cobrança para BPOs Vertical-specific module for BPO firms managing collections on behalf of multiple client companies from a single platform, with per-client personalization and consolidated reporting.
• Sistema de Cobrança para Contadores Vertical-specific module for accountants and accounting firms that automates professional fee reminders in a professional tone that preserves client relationships.
• Sistema de Cobrança para Advogados Vertical-specific module for law firms that automates legal fee reminders while maintaining professional credibility and client relationship integrity.
• Sistema de Cobrança para Clínicas Odontológicas Vertical-specific module for dental clinics that automates treatment payment reminders via WhatsApp, email, and SMS in a humanized, patient-sensitive manner.
• Sistema de Cobrança para Associações Vertical-specific module for associations that automates membership dues and monthly fee reminders via WhatsApp, email, and SMS with institutional communication tone.
• Sistema de Cobrança para Condomínio

Quantifiable outcome

• 70% reduction in average payment delay period
• +5 more outcomes

Named customers3 records

Segments10 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• Conta AzulcoreTechnology or IntegrationOfficial integration partnership with Conta Azul ERP. The integration offers automatic synchronization of customers, invoices, and receipts without manual data entry. Includes unlimited WhatsApp dispatches from the user's own number, automatic reconciliation, real-time synchronization, and a 70% reduction in payment delay. Homologated integration with dedicated support team for Conta Azul users. Special conditions available for Conta Azul users.
• OmiecoreTechnology or IntegrationOfficial integration partnership with Omie ERP. Offers automatic synchronization of customers, invoices, and receipts, unlimited WhatsApp dispatches from the user's own number, automatic reconciliation, real-time synchronization, and 70% reduction in payment delay. Dedicated support team for Omie users with agile implementation.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Asaas: Brazilian financial platform offering invoicing, automated collections, PIX/boleto acceptance and recurring billing to SMBs. Direct competitor to Kolek across the same core receivables-automation use case for Brazilian SMBs.
• iugu (Stone): Brazilian subscription billing and recurring-payments platform offering automated invoicing, collection, and PIX/boleto rails. Directly comparable to Kolek's recurring-billing and collections modules; now backed by Stone.
• Vindi: Brazilian recurring billing and subscription management SaaS with automated dunning and multi-channel collection. Comparable to Kolek's SaaS/SaaS-for-SaaS module and subscription-billing flow.

Broad incumbents

• Conta Azul: Leading Brazilian SMB ERP/accounting platform. Kolek is already an integrated partner, but Conta Azul could absorb receivables/collection features directly, making it a broad incumbent adjacent to Kolek's niche.
• Omie: Brazilian SMB ERP and management platform with built-in financial operations. Direct integration partner of Kolek, but also a broad incumbent that could expand into automated collections.
• Pagar.me (Stone): Brazilian payment-processing and financial-services platform (Stone-owned) providing billing links, PIX, and dunning-style flows. Indirect incumbent competitor to Kolek for automated receivables.

Emerging players

• Conta Simples: Brazilian SMB financial account and management platform with PIX-driven receivables automation. Comparable to Kolek as a SaaS targeting SMB cash-flow and collections improvement in Brazil.
• Efí (formerly Gerencianet): Brazilian fintech offering PIX, boleto and billing APIs with cobranças recorrentes and automated notifications. Comparable to Kolek's automated-collection and PIX/boleto value proposition.
• Juno: Brazilian digital bank/payments platform offering invoicing and collection flows to businesses. Overlaps with Kolek on PIX/boleto-based receivables management for SMBs.
• RecargaPay: Brazilian SMB payments/financial app with PIX collection and recurring-billing features. Competes at the lower end of Kolek's SMB collections market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors2 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 KoleK