Credere

What Credere does

Credere (legal entity EPNE Tecnologia da Informação LTDA.), headquartered in Natal, Rio Grande do Norte, Brazil, is a SaaS platform purpose-built for vehicle dealerships operating in the Brazilian automotive credit market. Founded as a digital multi-support platform (web and mobile) to act as intermediary between vehicle buyers and partner banks for credit analysis and financing formalization, Credere has operated since 2014 (with terms of service formally registered in September 2019). Its core technology is a multi-bank financing simulation engine that connects dealers to a network of 10+ partner banks and financial institutions — including Itaú, Safra, C6Bank, Banco Pan, Bradesco, Banco Kuna, Omni, Creditas, CarBank, AutoBanking, FonteCred, and Honda — enabling comparison of financing proposals, real-time credit pre-approval, and simultaneous proposal submission across lenders.

The platform is delivered through two subscription tiers in Brazilian Reais: Módulo Básico (R$340-R$748/month effective depending on commitment length), offering multi-bank simulation, vehicle inventory management, art generation, digital showroom, and website plugin; and Módulo Completo (R$690-R$1,528/month effective), layering commercial rule controls, multi-bank proposal submission, WhatsApp pre-approved lead notifications, credit analysis journey tracking, and reporting. Distribution combines direct WhatsApp-led sales with a one-click partner platform activation model and a copy-paste website plugin, allowing the simulation engine to be embedded into existing dealer ecosystems.

Credere generates revenue exclusively through recurring SaaS subscriptions priced and billed in BRL, with monthly, semi-annual, and annual billing cadences that include loyalty discounts of approximately 25-55% relative to month-to-month pricing. The company targets a single vertical — vehicle dealerships (concessionárias and vehicle retailers) — within Brazil's domestic market. No external funding beyond approximately $442K from Bossa Invest and DOMO.VC has been disclosed, and ownership remains private and management-controlled. The firm holds 11-50 employees and is operationally active, with no public listing, subsidiary, or M&A activity identified.

Name

Credere

Legal name

EPNE Tecnologia da Informação LTDA.

Website

https://meucredere.com.br

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Credere is a Brazilian SaaS platform that connects vehicle dealerships to multiple banks, enabling 24/7 multi-bank financing simulation, real-time credit pre-approval, and WhatsApp-delivered pre-approved leads for automotive retail. It serves small and mid-sized Brazilian car and motorcycle retailers through tiered subscription modules.

Ownership category

akta.pro rank

Product category

Automotive Financing Software

NAICS

Other Activities Related to Credit Intermediation (522390), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro industry

PRIMARYFSAGAIAD

BNPL Underwriting & Credit Decisioning Platforms

Financial & Insurance/Financial Technology (Fintech)/BNPL & Point-of-Sale Financing Platforms

SECONDARYHDAEAFAK

CPQ (Configure-Price-Quote) & Quote-to-Cash CRM Extensions

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Customer Relationship Management (CRM) Platforms

Keywords

• Automotive financing platform
• Multi-bank credit simulation
• Vehicle dealership software
• Credit pre-approval tools
• Automotive lending 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

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

Revenue model

1. Subscription - Módulo Completo: Full-featured subscription plan offering all Credere capabilities including multi-bank simulation, commercial control, proposal submission to multiple banks, WhatsApp pre-approved leads, pre-analysis journey tracking, and reporting. Available in monthly, semi-annual, and annual billing cycles with tiered pricing.
2. Subscription - Módulo Básico: Basic subscription plan for stores wanting digital presence, intelligent sales, and 24/7 pre-approved leads without complex structure. Includes multi-bank simulator, vehicle inventory, art generator, digital showroom, and website plugin. Available in monthly, semi-annual, and annual billing cycles.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Credere is a multi-bank automotive financing simulation platform that enables Brazilian vehicle dealerships (concessionárias and lojistas de veículos) to run real-time credit simulations across 10+ partner banks (Itaú, Safra, C6Bank, Banco Pan, Bradesco, Creditas, among others), receive pre-approved leads via WhatsApp, and convert financing into a structured sales engine. It is sold as two subscription modules — Módulo Básico (digital presence, multi-bank simulator, inventory, art generator, digital showroom, website plugin) and Módulo Completo (adds commercial control, multi-bank proposal submission, WhatsApp pre-approved leads, credit analysis journey tracking, and reporting). Pricing is tiered by billing frequency in BRL.

Product overview

Credere is a multi-bank automotive financing platform for vehicle dealerships, consisting of two subscription tiers: Módulo Básico (entry-level) providing multi-bank simulation, vehicle inventory management, digital showroom, art generation, and website plugin; and Módulo Completo (advanced) adding commercial control, simultaneous multi-bank proposal submission, WhatsApp pre-approved leads, credit analysis tracking, and reporting. The platform integrates with multiple banking partners to enable 24/7 pre-approved lead generation and streamline the financing process from simulation to approval.

Differentiator

Problem solved

Functional benefit

Brands

• Módulo Básico: Basic module for dealerships wanting digital presence, intelligent sales, and receive pre-approved leads 24/7 without complex structure.
• Módulo Completo

Products and services

• Módulo Básico (Basic Module) Entry-level subscription module for Brazilian automotive dealerships, providing the multi-bank financing simulator, vehicle inventory management, art generator for vehicle listings, digital showroom, and copy-paste website plugin. Enables stores to gain digital presence, offer 24/7 multi-bank credit options, and receive pre-approved leads without requiring a complex back-office structure.
• Módulo Completo (Complete Module) Advanced subscription module for Brazilian automotive dealerships, building on Módulo Básico with commercial control over financing rules (returns, prices, products, banks, commissions), simultaneous multi-bank proposal submission, real-time pre-approved lead delivery via WhatsApp, end-to-end credit analysis journey tracking, and reporting dashboards. Aimed at larger dealerships seeking to transform financing into a predictability and profit engine.

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature10 records

Partnerships

Seven partnerships are on record, tiered core.

• ItaúcoreTechnology or IntegrationMajor Brazilian bank integrated with Credere's multi-bank financing simulation platform, enabling vehicle dealers to offer Itaú financing options to their customers.
• SafracoreTechnology or IntegrationBanco Safra integrated with Credere's platform, providing vehicle financing options for dealers and expanding Credere's multi-bank offerings.
• C6BankcoreTechnology or IntegrationDigital bank C6Bank integrated with Credere's multi-bank simulation, enabling dealers to offer C6Bank financing options through the platform.
• Banco PancoreTechnology or IntegrationBanco Pan integrated with Credere, providing additional financing options for vehicle dealers using the platform.
• BradescocoreTechnology or IntegrationMajor Brazilian bank Bradesco integrated with Credere's platform, expanding financing options available to vehicle dealers.
• CreditascoreTechnology or IntegrationCreditas integrated with Credere, providing secured lending and vehicle financing options for dealers.
• HondacoreTechnology or IntegrationHonda integrated with Credere on the Complete Module, indicating a deeper partnership potentially involving Honda dealerships using Credere's platform.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mobiauto: Brazilian automotive marketplace and dealer platform offering vehicle listings, lead management, and financing integrations to dealerships. Competes for the same Brazilian dealership software wallet with overlapping dealer-tool positioning.
• RouteOne: US-based credit application management network connecting automotive dealers with multiple finance sources for credit submission and approval. Closely mirrors Credere's multi-bank credit routing and pre-approval workflow at much larger scale.
• Webmotors: Brazil's largest automotive marketplace (owned by Santander) with dealer tools, vehicle listings, and embedded financing offers. Directly competes for dealer attention and financing-related workflows in Brazil.
• AutoFi: US automotive financing SaaS platform that enables online credit applications, multi-lender routing, and dealer integration. Direct analog of Credere's multi-bank simulation and digital showroom approach in a more mature market.

Emerging players

• Car10: Brazilian online used car retailer with embedded financing. Touches the same dealer-to-customer financing workflow as Credere, though from a consumer-facing marketplace angle.
• Volanty: Brazilian online used car platform that integrates financing offers into the dealer/customer transaction. Overlaps with Credere at the consumer-financing moment in the Brazilian auto retail flow.
• Creditas: Brazilian consumer fintech specializing in secured lending including auto financing. Already a Credere bank partner, but also a potential competitor if it expands dealer-facing credit tools of its own.
• Roadster: US auto retail technology platform offering digital showroom, financing, and checkout for dealers. Conceptually similar to Credere's digital showroom and embedded financing approach in a different geography.

Broad incumbents

• Dealertrack (Cox Automotive): Comprehensive US auto dealer technology suite including credit application, desking, and DMS. Overlaps Credere's credit decisioning functionality but as part of a much broader dealer SaaS portfolio rather than a focused point solution.

Regional players

• iCarros: Brazilian automotive classifieds platform (Cars.com international subsidiary) with pricing, comparison, and financing integrations to dealers. Adjacent competitor for dealer mindshare and financing-anchored lead generation in Brazil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/meucredere

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Credere