Firgun

What Firgun does

Firgun is a Brazilian Techfin company founded in 2016 in São Paulo, focused on enabling financial institutions to responsibly extend credit to Brazil's underserved lower-income populations (socioeconomic classes C, D, and E). The firm positions itself as a strategic partner for banks, fintechs, credit unions, and other lenders seeking to mitigate default risk when serving the base of the economic pyramid — a segment poorly served by traditional credit scoring due to limited formal credit histories.

The company's platform is built around a proprietary psychometric scoring technology that combines behavioral profile evaluation with traditional market analysis. Its offering is organized into three interconnected modules: (1) Behavioral Analysis for Credit Risk, the core scoring tool that assesses behavioral patterns to support more accurate credit decisions for financially excluded individuals; (2) Credit Management and Collection, which provides tools for client onboarding, credit portfolio management, and integrated collection communication; and (3) Consulting, which delivers advisory services for credit origination, process design, and team training. The methodology draws on operational know-how developed through years of microcredit experience.

Firgun operates a direct B2B sales model with no publicly disclosed pricing, targeting enterprise financial institution buyers through website-driven engagement and scheduled consultations. The firm is privately held, headquartered in São Paulo, operates exclusively in Brazil, and has a small team (1-10 employees). External recognition includes institutional endorsements from PNUD (UNDP), Prefeitura de São Paulo, UBS, and SEBRAE, and the firm participated as a non-lead investor in Quantum Motion's $160 million Series C in May 2026.

Name

Firgun

Legal name

Firgun

Website

https://firgun.com.br

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Firgun is a Brazilian Techfin that provides psychometric credit scoring, portfolio management, and consulting tools to financial institutions serving Brazil's underserved C, D, and E socioeconomic classes. It combines behavioral analysis with traditional market data to reduce default risk in base-of-the-pyramid lending.

Ownership category

akta.pro rank

Product category

Credit Risk Analytics and Financial Inclusion Services

NAICS

Activities Related to Credit Intermediation (5223), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB)

akta.pro secondary industries

Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG), Underwriting Automation & Income/Employment Verification (FSAGAHAD)

Keywords

• Credit risk analytics
• Behavioral credit scoring
• Financial inclusion services
• Credit management consulting
• Psychometric scoring platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Distribution channels1 record

Marketing channels1 record

Core offering

Firgun is a TechFin company that provides behavioral analysis for credit risk, credit management and collection services, and consulting to financial institutions. Its offering centers on psychometric scoring technology combined with traditional market analysis to enable credit decisioning for Brazil's base-of-the-pyramid (C, D, and E socioeconomic classes) consumers who are typically underserved by conventional financial institutions.

Product overview

Firgun is a Techfin platform (evolved from Fintech) that combines traditional market analysis with psychometric scoring technology to democratize access to productive credit for Brazil's C, D, and E socioeconomic classes. The platform operates across three interconnected modules: (1) Behavioral Analysis for Credit Risk — a core scoring tool that evaluates behavioral profiles to mitigate credit risk; (2) Credit Management and Collection — tools for client onboarding, portfolio management, and integrated collection communication; and (3) Consulting — personalized advisory services for credit origination and team capacity building. Together, these services form a unified offering for financial institutions seeking to serve the base of the economic pyramid with reduced default risk.

Differentiator

Problem solved

Functional benefit

Products and services

• Behavioral Analysis for Credit Risk (Análise Comportamental para Risco de Crédito) A credit risk assessment service that uses psychometric scoring combined with traditional market analysis to evaluate the creditworthiness of borrowers, particularly those in Brazil's underserved C, D, and E socioeconomic classes who lack traditional credit histories. Sold to financial institutions, banks, and fintech lenders seeking to extend credit to underbanked populations.
• Credit Management and Collection (Gestão e Cobrança de Crédito) End-to-end credit management and collection services provided to financial institutions and lenders in Brazil, helping them manage loan portfolios and recover outstanding debt from borrowers, including those in the base-of-the-pyramid market.
• Consulting (Consultoria) Advisory and consulting services for financial institutions on credit risk strategy, financial inclusion, and the application of psychometric scoring and behavioral analysis to serve underbanked consumers in Brazil.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• LenddoEFL (now Validated.ID / Sesame Credit): LenddoEFL pioneered psychometric and alternative-data credit scoring for the underbanked in emerging markets. It is the most direct conceptual peer to Firgun's psychometric scoring approach, sharing the same behavioral/psychometric methodology for assessing thin-file borrowers.
• Tala: Tala uses alternative data including mobile behavioral signals to underwrite credit for underserved consumers in emerging markets. It is directly comparable to Firgun in applying non-traditional data to assess thin-file populations, though Tala leans consumer-facing while Firgun is B2B.
• Cignifi: Cignifi applies psychometric and behavioral analytics to score creditworthiness of unbanked populations in emerging markets. It is a direct peer in methodology — using behavioral profiles to predict credit risk — and serves financial institutions serving similar low-income segments.
• Truora: Truora is a Latin American identity, fraud, and credit-risk data platform serving financial institutions across the region. It is comparable to Firgun as a regional B2B credit-risk data and verification vendor, with overlapping customer base of LatAm banks and fintechs.
• idwall: idwall is a Brazilian identity verification and risk-data platform selling to financial institutions, fintechs, and credit operators. It is comparable as a domestic B2B risk-data provider serving the same regulated customer base as Firgun, with overlapping use cases in onboarding and credit decisions.

Broad incumbents

• Zest AI: Zest AI builds ML-based credit underwriting software for banks and lenders. It is a broader incumbent in the automated credit decisioning space, using advanced modeling on alternative data — directly aligned with Firgun's psychometric scoring category but at significantly greater scale and US focus.
• Provenir: Provenir is a global credit risk decisioning platform offering AI-driven onboarding, fraud, and credit decisioning. It is comparable as a broad credit decisioning incumbent whose decisioning engines overlap with Firgun's psychometric scoring capabilities, serving many of the same financial-institution personas.
• Serasa Experian: Serasa Experian is the dominant Brazilian credit bureau and a broad incumbent providing consumer credit reports, scores, and analytics. It is comparable as the primary source of consumer credit information that Brazilian financial institutions rely on, against which Firgun's alternative scoring must differentiate.
• Boa Vista SCPC: Boa Vista SCPC is one of Brazil's major credit bureaus offering consumer and business credit information and analytics. It is a broad incumbent in the same domestic credit-information category that Firgun's psychometric tools must complement or compete against.

Regional players

• Creditas: Creditas is a major Brazilian consumer fintech using alternative data and collateral-based underwriting to serve borrowers underserved by traditional banks. It is a regional player comparable in mission — using alternative methodologies to lend to underbanked Brazilians — though Creditas is balance-sheet-driven rather than a B2B risk-scoring vendor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds6 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 Firgun