Capital Empreendedor Ltda

What Capital Empreendedor Ltda does

Capital Empreendedor Ltda is a Brazilian fintech founded in 2018 by Juliano Graff that operates a digital credit marketplace connecting small and medium enterprises (from MEI micro-entrepreneurs through medium enterprises with up to R$300M in annual revenue) to more than 360 financial institution partners, including banks, fintechs, FIDCs, and government programs such as BNDES, Pronampe, FGI/PEAC, FINEP, and FINAME. The platform is positioned as the #1 fintech in the BNDES MPME distribution channel and operates as a non-financial intermediary that earns a success fee only when credit is successfully disbursed to the borrower — there are no upfront charges or subscription fees. Reported scale includes 170,000+ registered business CNPJs, 100,000+ active credit-seeking customers, 3,000+ new monthly applications, and approximately R$10.157 billion in cumulative credit facilitated.

The underlying platform combines Open Finance API integrations, Pix infrastructure, and an AI-powered conversational chatbot that guides borrowers through credit matching and document standardization. Supporting tooling includes a credit potential calculator trained on data from over 250,000 intermediated negotiations, an interest rate converter, and a CET (Total Effective Cost) calculator that compares amortization systems. Distribution leverages direct digital acquisition plus referrals from SEBRAE and Stone partner hubs, while lender-side partners access pre-qualified leads with complete documentation via API and a partner dashboard. The company also operates a 'Fluid e Capital' sub-brand and facilitates CVM 88 / CVM 175 compliant crowdfunding structures.

The business is headquartered in Campina, Brazil, employs 11-50 people, and remains privately held. Its first and only documented external capital raise was a R$1.5 million crowdfunding round completed in December 2021 via the CapTable platform, with 267 retail investors participating. Revenue is generated primarily through transaction-based success fees on disbursed credit, supplemented by capital markets and crowdfunding intermediation fees.

Name

Capital Empreendedor Ltda

Legal name

Capital Empreendedor Ltda

Website

https://capitalempreendedor.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Capital Empreendedor Ltda is a Brazilian fintech operating a digital credit marketplace that connects small and medium enterprises to over 360 banks, fintechs, and government credit programs, earning a success fee only when credit is successfully disbursed to the borrower.

Ownership category

akta.pro rank

Product category

SME Credit Marketplace

NAICS

Sales Financing (52222), Nondepository Credit Intermediation (5222)

SIC

Finance Services (6199)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

Keywords

• SME credit marketplace
• Business lending platform
• Open Finance credit
• BNDES credit intermediary
• Embedded lending infrastructure

Headquarters

HQ city

Campinas

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Success Fee (Taxa de Sucesso): Platform charges a success fee only when a credit operation is successfully disbursed to the customer. No upfront fees, no monthly subscriptions, no charges if credit is not approved or not accepted. Fee is calculated on the amount actually disbursed.
2. Crowdfunding & Capital Markets Structures: Platform facilitates eligible credit operations through crowdfunding structures and convertible instruments governed by CVM 88 and CVM 175 regulations.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Capital Empreendedor operates a Capital-as-a-Service and consent-based financial data platform that acts as Brazil's largest credit marketplace for businesses. The platform aggregates credit offerings from 360+ financial institutions (banks, fintechs, FIDCs) and uses AI, Open Finance APIs, and algorithmic matching to connect micro, small, and medium Brazilian enterprises with suitable credit products including working capital, receivables advance, vehicle/equipment/real estate financing, and government-backed programs (BNDES, Pronampe, FGI/PEAC, FINEP, FINAME). Customers register online, submit documents, and receive matched credit offers; the platform charges a success fee only upon successful disbursement.

Product overview

Capital Empreendedor is a Capital-as-a-Service and consent-based financial data platform positioned as Brazil's largest credit marketplace for businesses. The core Capital Empreendedor Platform connects companies to 360+ banks and fintechs through algorithms, Open Finance APIs, and AI-powered matching. The platform aggregates multiple credit product categories: Working Capital (with receivables, real estate, vehicle, and unsecured options), Receivables Advance (boleto, credit card, fiscal invoice), Vehicle/Machinery/Real Estate Financing, and Government Programs (Pronampe, FGI/PEAC, FINEP). Supporting tools include Credit Potential Calculator, Interest Rate Calculator, and Total Effective Cost Calculator. The platform also features an AI chatbot for personalized credit recommendations. Not a financial institution itself, Capital Empreendedor acts as an intermediary facilitating credit connections through customer-authorized data flows.

Differentiator

Problem solved

Functional benefit

Brands

• Fluid e Capital: A financial product or service line offered by Capital Empreendedor related to credit solutions.

Products and services

• Capital Empreendedor Platform
• Capital de Giro (Working Capital)
• Antecipação de Recebíveis (Receivables Advance)
• Financiamento de Veículos (Vehicle Financing)
• Financiamento de Máquinas e Equipamentos (Machinery and Equipment Financing)
• Financiamento de Imóvel (Real Estate Financing)
• Pronampe (National Program for Support to Micro and Small Enterprises)
• FGI/PEAC (Emergency Credit Access Program)
• FINEP Innovation Financing
• FINAME (BNDES Machinery Financing)
• Empréstimo com Garantia de Recebíveis (Receivables-Backed Loan)
• Empréstimo com Garantia de Imóvel (Real Estate-Backed Loan)
• Empréstimo com Garantia de Veículo (Vehicle-Backed Loan)
• Empréstimo Sem Garantia / Aval (Unsecured Guarantor Loan)
• API / Partner Dashboard for Financial Institutions

Quantifiable outcome

• 170,000+ CNPJs on platform seeking credit
• +5 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• BNDES (Banco Nacional do Desenvolvimento Econômico e Social)coreChannel Partner/ Reseller/ DistributorCapital Empreendedor is the #1 fintech in the BNDES MPME channel, distributing BNDES credit lines including BNDES Working Capital, Pronampe, FGI PEAC, FINEP, and FINAME to micro, small, and medium Brazilian enterprises through its digital platform.
• SEBRAEcoreGTM or Marketing PartnerSEBRAE (Brazilian Support Service for Micro and Small Enterprises) partners with Capital Empreendedor to drive qualified small business traffic to the platform via the SEBRAE portal, expanding reach to Brazil's SME ecosystem.
• StonecoreGTM or Marketing PartnerStone, a major Brazilian payment fintech, partners with Capital Empreendedor through Stone's partner hub to offer credit solutions to Stone merchants, expanding credit access for payment processing customers.
• 360+ Banks and Fintechs (Aggregator)coreChannel Partner/ Reseller/ DistributorThe platform connects businesses to 360+ financial institutions including BTG Pactual, C6 Bank, Banco Inter, and numerous other banks, fintechs, and FIDCs. Partners receive pre-qualified leads with complete documentation via API and partner dashboard.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bom Pra Crédito: Brazilian online credit marketplace that compares and aggregates personal and business loan offers from multiple financial institutions. Highly comparable to Capital Empreendedor as a credit intermediation platform targeting Brazilian borrowers with a multi-lender comparison and matching model.
• Creditas: Brazilian digital credit platform specializing in secured lending (home equity, vehicle, payroll) for individuals and businesses. Comparable to Capital Empreendedor in the Brazilian credit marketplace category, though Creditas originates and services loans directly rather than purely intermediating.
• Geru: Brazilian online lending platform that matches borrowers with multiple lender options for personal and small-business credit. Directly comparable to Capital Empreendedor in operating a multi-lender credit marketplace with a digital comparison-and-matching model for Brazilian consumers and SMEs.
• Lendico: Brazilian peer-to-peer / online lending platform connecting borrowers with multiple investor-lenders for personal and business credit. Comparable to Capital Empreendedor in operating a multi-lender digital credit marketplace in Brazil.

Emerging players

• Konfío: Mexican fintech providing credit and financial services to SMEs via a digital platform combining data analytics and lender partnerships. Comparable business model (SME credit intermediation with a tech-driven matching layer), but operates in Mexico rather than Brazil.

Broad incumbents

• C6 Bank: Brazilian digital bank offering accounts, payments, and SME lending products including working capital and credit lines. Comparable as a major Brazilian fintech already listed as a partner lender on Capital Empreendedor's platform; C6's proprietary SME lending represents a competing direct-to-borrower channel.
• Banco Inter: Brazilian digital bank providing consumer and SME banking, lending, and investment products. Comparable as a major Brazilian digital lender listed as a partner of Capital Empreendedor, while also competing by offering credit directly to SMEs through its own digital platform.
• BTG Pactual: Largest Brazilian investment bank with growing digital banking and lending operations including SME and corporate credit. Listed as one of Capital Empreendedor's 360+ partner financial institutions, while also competing in the broader Brazilian digital SME lending space.
• Mercado Pago (Mercado Libre): Fintech arm of Mercado Libre providing payments, credit, and lending products to merchants and consumers across Latin America, including Brazil. Comparable in offering embedded SME credit through a digital platform, with substantially larger scale and balance-sheet capacity.

Others

• CapTable: Brazilian equity crowdfunding and cap table management platform through which Capital Empreendedor raised its first external capital in 2021. Related as an enabling financial partner / capital markets infrastructure provider rather than a direct competitor in credit intermediation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/p/Capital-Empreendedor-100086130704975
• LinkedInlinkedin.com/company/capital-empreendedor
• Instagraminstagram.com/capitalempreendedor

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds4 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 Capital Empreendedor Ltda