Nexoos
Nexoos is a Brazilian peer-to-peer lending marketplace, regulated by Banco Central do Brasil as a SEP, that connects small and medium enterprises seeking working capital loans (R$15K-R$500K) with individual and institutional investors, having financed over R$1.1 billion to PMEs since 2016 before announcing its SEP regulatory wind-down in May 2026.
- Company typePrivate
- Founded2015
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Nexoos does
Nexoos Sociedade de Empréstimo entre Pessoas S.A. operates a Brazilian peer-to-peer lending marketplace connecting small and medium enterprises (PMEs) seeking working capital with individual and institutional investors seeking above-market returns. The platform provides online business loans ranging from R$15,000 to R$500,000 (up to R$550,000 in some sources), with terms of 2-24 months and interest rates of 1.30%-4.30% per month, assigned via a proprietary Nexoos Score (A-E, or 1-3 for MEI/ME borrowers). Borrowers complete a fully online application, undergo automated credit analysis reviewed by Nexoos analysts, and if approved, enter funding rounds on weekday evenings where investors compete to fund the loan; loans that fail to reach 90% of target are cancelled.
The underlying platform is built around a proprietary web and mobile marketplace (iOS/Android apps available) running on AWS infrastructure, integrating with Dock for digital payment account services, Banco Votorantim for SPB payment account individualization, SPC for credit bureau checks, and Big Data Soluções for anti-fraud. Investors access the platform via invest.nexoos.com.br or mobile apps, complete LGPD-compliant suitability questionnaires, and either manually select loans (minimum R$6,000 initial / R$1,000 per company) or use Portfólio Automático, an automated robot that allocates across risk profiles and credit score tiers (minimum R$10,000 / R$500 per company). All investor fund flows are channeled through the Conta Digital Nexoos.
Nexoos earns transaction-based revenue primarily through a 2% credit analysis fee (or financial intermediation commission) on disbursed loans, plus collection fees of up to 10% on overdue amounts and penalty/interest on late payments. The company was founded in 2014 by Daniel Gomes in London, piloted in Paraguay, and began Brazilian operations in September 2016. It became the first fintech authorized by Banco Central do Brasil to operate as a SEP under Resolution CMN 5.050 in 2019. In May 2021, it was acquired by Ame Digital (part of Universo Americanas). As of disclosure, the platform has financed over R$1.1 billion to Brazilian SMEs, with 57,000-65,000+ registered investors. On May 18, 2026, Nexoos announced its intention to cancel its SEP regulatory authorization and cease originating new operations, transitioning to a run-off servicing model for existing contracts.
Nexoos firmographics
Firmographics- Name
- Nexoos
- Legal name
- Nexoos Sociedade de Empréstimo entre Pessoas S.A.
- Website
- https://nexoos.com.br
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Nexoos is a Brazilian peer-to-peer lending marketplace, regulated by Banco Central do Brasil as a SEP, that connects small and medium enterprises seeking working capital loans (R$15K-R$500K) with individual and institutional investors, having financed over R$1.1 billion to PMEs since 2016 before announcing its SEP regulatory wind-down in May 2026.
- Ownership category
- akta.pro rank
Nexoos industry classification
Industry- Product category
- Peer-to-Peer / Marketplace Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
Keywords
Where Nexoos is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Nexoos business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Analysis Commission (Empresas): Nexoos charges a 2% credit analysis fee on the gross approved loan amount, deducted at the time of disbursement to the company. Additionally, an Intermediação Financeira (Financial Intermediation Commission) is charged upon successful disbursement in lieu of the credit analysis fee. This is the primary revenue stream from the borrower side.
- Financial Intermediation Fee: Nexoos earns a financial intermediation commission deducted at disbursement for each completed loan operation. The fee varies per loan request and is the primary compensation for acting as the mandated financial intermediary per SEP authorization.
- Late Payment / Collections Fees: Nexoos charges a collection service fee of up to 10% on overdue amounts after 30 days of delinquency, and earns interest and penalty charges (1% penalty + 1% monthly interest) applied to late payments, part of which accrues to Nexoos.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Manual Portfolio - Investor |
| Other | Pay-as-you-go | Automatic Portfolio - Investor |
| Unit Pricing | Monthly | Corporate Loan - Borrower |
| Other | Pay-as-you-go | Corporate Borrower Eligibility Criteria |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Nexoos product offering
Product offeringCore offering
Nexoos operates a fully digital peer-to-peer (P2P) lending marketplace that connects Brazilian small and medium enterprises (SMEs) seeking working capital credit with individual and institutional investors. The platform originates business loans ranging from R$15,000 to R$500,000 (up to R$550,000) with terms of 2 to 24 months and interest rates from 1.30% to 4.30% per month, and offers investors two product modes — Manual Portfolio and Portfólio Automático (algorithmic allocation based on risk profile). All operations are intermediated through the Nexoos SEP entity regulated by the Banco Central do Brasil under CMN Resolution 5.050.
Product overview
Nexoos operates a unified peer-to-peer (P2P) lending marketplace platform connecting SMEs that need credit with individual and institutional investors. The core platform offers two main services: (1) a business lending product for SMEs (Empréstimo Empresarial / Capital de Giro) providing working capital loans ranging from R$15,000–R$550,000 with 3–24 month terms and monthly interest rates of 1.30%–4.30%, where companies are evaluated and assigned a proprietary Nexoos Credit Score (A–E or 1–3 for smaller businesses); and (2) an investor-facing product with two modes — a Manual Portfolio where investors personally select companies, and a Portfólio Automático where an algorithm automatically selects companies based on the investor's risk profile. Both investor modes are backed by a mandatory Conta Digital Nexoos digital payment account, which manages fund flows, monthly repayments, and reinvestments. The platform also includes a dedicated data protection and compliance infrastructure aligned with LGPD and BACEN regulations.
Differentiator
Problem solved
Functional benefit
Products and services
- Peer-to-Peer (P2P) Lending Platform Digital marketplace lending platform that connects Brazilian SMEs seeking credit with individual and institutional investors, operating as a SEP regulated by the Banco Central do Brasil under CMN Resolution 5.050.
- Empréstimo Empresarial (Business Loan) Online working capital loan product for Brazilian SMEs ranging from R$15,000 to R$500,000 (up to R$550,000), with terms of 2 to 24 months, monthly interest rates from 1.30% to 4.30%, and a 2% credit analysis fee; no real-asset collateral required but avalistas (guarantors) are.
- Portfólio Manual (Manual Portfolio) Investment product where investors personally select the SME companies they wish to fund; minimum initial investment of R$6,000 and R$1,000 per company, no brokerage or administration fees.
- Portfólio Automático (Automatic Portfolio) Algorithmic investment product where a robot selects companies to invest in based on the investor's risk profile, diversifying across Nexoos credit score classifications (B+, B-, C, D); minimum R$10,000 to enable, R$500 per company.
- Conta Digital Nexoos (Digital Account) Mandatory digital payment account for investors, operated through Dock, used for depositing funds, investing, receiving monthly loan repayments, reinvesting and withdrawing returns within the Nexoos ecosystem.
- Nexoos Credit Score Proprietary credit risk scoring system assigning grades A through E to companies (and 1–3 to MEI/ME), correlated with probability of default and used to determine loan approval and pricing.
Quantifiable outcome
- Default rates by Nexoos Score (December 2023): Score A 3.35%, Score B 9.46%, Score C 18.79%, Score D 24.47%.
- +3 more outcomes
Companies that use Nexoos
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Nexoos technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability5 records
Feature4 records
Nexoos partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship, core and minor.
- Ame DigitalflagshipAme Digital, part of the Universo Americanas, acquired Nexoos in May 2021 to strengthen the banking and business strategy of the group. The acquisition expanded the range of banking services and business development for the Americanas ecosystem, which includes millions of merchants and customers.
- Dock Soluções em Meios de Pagamento (CDT Soluções)coreDock provides payment infrastructure that integrates Nexoos operations into a modern digital payment ecosystem and provides Nexoos users with a digital payment account (Conta Digital Nexoos). CNPJ: 08.744.817/0001-86.
- Banco Votorantim S.A.coreVotorantim Bank is used for the individualization of payment accounts within the Brazilian Payment System (SPB). Sharing is limited strictly to what is necessary to enable Nexoos services.
- Amazon Web Services (AWS)coreAWS (Amazon Web Services Inc. and Amazon Web Services Emea Sarl) provides cloud infrastructure for data storage, backup, and redundancy of Nexoos platform data.
- Socinal S.A. - Crédito, Financiamento e InvestimentosminorNexoos previously operated as a correspondent bank for Socinal (until Q3 2019), formalizing credit operations via RDBs (Recibos de Depósito Bancário) under the OAV model. Operations under this model remain valid and in force.
Scale indicators13 records
Recent moves6 records
Expansion highlights4 records
Nexoos competitors and assessment
Company assessmentDirect peers
- Just: Brazilian digital lending marketplace operating a P2P-style model connecting borrowers with individual and institutional funders, directly competing with Nexoos in the country and category.
- Geru: Historic Brazilian P2P / marketplace lending platform for consumer credit — a direct predecessor peer that pioneered digital credit intermediation in Brazil alongside Nexoos.
- Bidu: Brazilian online lending broker that intermediates consumer and SME credit via digital channels, serving the same Brazilian borrowers and competing on speed and digital onboarding like Nexoos.
- Lendico Brasil: Brazilian arm of the international online lender Lendico, operating a digital credit marketplace for SMEs and individuals with comparable intermediation economics to Nexoos.
Emerging players
- Even: Brazilian fintech specializing in payroll- and employer-based credit, including SMB working-capital products — a partial-overlap peer focused on a specific employer-anchored segment of SME lending.
Broad incumbents
- Creditas: Major Brazilian consumer and SME lending platform (asset-backed and payroll loans) — a broader incumbent in the same credit-intermediation category but with a wider product portfolio than Nexoos.
- Banco Inter: Large Brazilian digital bank offering deposit, investment, and SME credit products, including peer-to-peer-style investment opportunities that overlap with Nexoos's investor side.
- Nubank: Largest Brazilian fintech; while primarily consumer-focused, its credit and SMB-adjacent products (Nubank Empresas, personal loans) make it a category incumbent relevant to Nexoos's two-sided marketplace.
- Stone Co. Brazilian payments and SMB-services platform with an embedded credit offering to merchants, overlapping with Nexoos's SME-tackle market from a distribution rather than P2P angle.
Regional players
- RecargaPay: Brazilian digital-payments and credit fintech primarily serving SMB merchants in Latin America; overlaps with Nexoos on the SMB-credit side of the marketplace, particularly for merchants seeking working capital.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Nexoos social profiles
Digital presenceNexoos compliance and trust
Trust signalCompliance5 records
Nexoos financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nexoos leadership team
Management profileNumber of profiles
Profiles2 records
Nexoos funding detail
Funding detailFunding overview
Funding rounds5 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nexoos 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 Nexoos
What does Nexoos do?
Nexoos operates a fully digital peer-to-peer (P2P) lending marketplace that connects Brazilian small and medium enterprises (SMEs) seeking working capital credit with individual and institutional investors. The platform originates business loans ranging from R$15,000 to R$500,000 (up to R$550,000) with terms of 2 to 24 months and interest rates from 1.30% to 4.30% per month, and offers investors two product modes — Manual Portfolio and Portfólio Automático (algorithmic allocation based on risk profile). All operations are intermediated through the Nexoos SEP entity regulated by the Banco Central do Brasil under CMN Resolution 5.050.
Is Nexoos a public or private company?
Nexoos is a private company. It is classified as corporate owned and is currently operating.
When was Nexoos founded?
Nexoos was founded in 2015. It employs 11 to 50 people.
Where is Nexoos based?
Nexoos is headquartered in São Paulo, Brazil, in the Latin America region.
How does Nexoos make money?
Three revenue lines are on record. Credit Analysis Commission (Empresas) is the primary driver. The others are financial Intermediation Fee and late Payment / Collections Fees.
Who are Nexoos's main competitors?
Direct peers on record are Just, Geru, Bidu and Lendico Brasil. Even is listed as an emerging player. Broad incumbents are Creditas, Banco Inter, Nubank and Stone Co.. RecargaPay is listed as a regional player.
Does Nexoos have an API?
No public API is recorded for Nexoos.
What industry is Nexoos in?
Nexoos's product category is Peer-to-Peer / Marketplace Lending. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 52231 and its SIC code is 6163.