FinanZero
- Company typePrivate
- Founded2016
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2C
- OfferingDigital Commerce or Content
FinanZero firmographics
Firmographics- Name
- FinanZero
- Legal name
- FinanZero Brasil Serviços Online Ltda.
- Website
- https://finanzero.com.br
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
FinanZero industry classification
Industry- Product category
- Consumer Lending Marketplace
- NAICS
- Credit Intermediation and Related Activities (522), Sales Financing (52222), Credit Card Issuing (522210)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
- akta.pro secondary industries
- Balance Transfer & Low-APR Credit Cards (FSAKABAI), Balance Transfer & Credit Card Refinance Loans (FSAKAIAA)
Keywords
Where FinanZero is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
FinanZero business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Commission from financial institutions: Earns commission from partner financial institutions for successful loan referrals and matches. The service is free for consumers.
- Media-for-equity investment: Received $4 million media-for-equity investment from 4Equity for brand growth support
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free consumer service |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
FinanZero product offering
Product offeringCore offering
FinanZero runs a regulated online credit marketplace that matches Brazilian consumers and small businesses with loan and credit-card offers from over 70 partner banks and fintechs. A single application triggers up to 10 pre-approved offers within 5 minutes, with approved funds disbursed in up to 48 hours; the consumer-facing service is free and FinanZero earns a commission from the originating lender.
Product overview
FinanZero operates as Brazil's leading online credit marketplace — a digital platform that aggregates loan and financial product offerings from over 70 partner financial institutions into a single comparison interface. The core product is the online loan marketplace/buscador, which serves as a front-end aggregator and correspondent banking platform. Through one application, users can receive up to 10 pre-approved credit offers from partner lenders in under 5 minutes, with funds deposited in up to 48 hours. The product portfolio spans personal loans, secured loans (home equity/refinancing and vehicle refinancing), consignado loans, loans for negativado (credit-restricted) borrowers, FGTS loans, business loans for MEI and companies, online credit cards, consortium (group purchasing) plans, and automobile insurance. A loan simulator tool enables side-by-side comparison. The platform acts as a correspondent bank (correspondente bancário) regulated by the Banco Central do Brasil under Resolution 3.954, connecting customers to partner institutions including Creditas, Banco PAN, Digio, BV, Noverde, Omni, SuperSim, Simplic, Crefaz, BizCapital, and approximately 40 other financial institutions. Interest rates range from 0.75% per month (home equity) to 18.01% per month, with repayment terms from 6 to 240 months depending on the product type.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Loan Marketplace (Buscador de Empréstimos Online) Core credit-comparison marketplace where a single application surfaces up to 10 pre-approved offers from 70+ partner banks and fintechs within 5 minutes, with disbursement in up to 48 hours after approval. Free for consumers, available to Brazilian individuals and small businesses.
- Empréstimo Pessoal Online (Personal Loan) Unsecured personal loan product offered through the FinanZero marketplace, with interest rates starting at 1.49% per month and repayment terms from 6 to 24 months; targets Brazilian consumers seeking credit without collateral.
- Empréstimo com Garantia de Imóvel (Home Equity Loan) Secured loan using residential or commercial property as collateral, with rates from 0.75% per month, terms up to 240 months, and credit access up to 70% of property value; targets Brazilian property owners seeking low-rate, long-term credit.
- Empréstimo com Garantia de Veículo (Vehicle Refinancing) Secured refinancing using a car, motorcycle, or truck as collateral, with rates from 1.39% per month, terms up to 48 months, and credit up to 70% of vehicle value; targets vehicle owners seeking liquidity against their asset.
- Empréstimo Consignado (Consigned Loan – Private and INSS) Payroll- or benefit-deducted loan product for CLT workers, public servants, retirees, and INSS pensioners, offering lower interest rates due to guaranteed repayment via payroll deduction.
- Empréstimo para Negativado (Loan for Negative Credit) Credit product designed for Brazilian borrowers with restricted CPF or active credit defaults, providing access to credit through collateralized and specialized partner lenders that serve credit-challenged consumers.
- Empréstimo FGTS (FGTS-backed Loan) Loan product that leverages the borrower's Fundo de Garantia do Tempo de Serviço (FGTS) balance to offer credit at more favorable conditions than standard personal loans, for eligible Brazilian workers.
- Cartão de Crédito Online (Online Credit Card) Digital credit-card product available through the FinanZero marketplace, allowing consumers to apply for and manage a credit card entirely online without visiting a branch.
- Consórcio (Group Purchasing Consortium) Consortium product covering property, vehicle, services, courses, exchange programs, plastic surgery, and events; customers participate in shared groups and acquire assets via interest-free periodic installments.
- Seguro de Automóvel (Auto Insurance) Auto insurance product distributed through FinanZero as part of its broader financial services portfolio, providing coverage for vehicles bought or financed via the platform.
- Financiamento Imobiliário (Real Estate Financing) Long-term property financing product enabling Brazilian consumers and businesses to purchase residential or commercial real estate, with the financed property serving as collateral.
- Empréstimo para MEI e Empresas (Business Loan for MEI and Companies) Business credit lines for Brazilian micro-entrepreneurs (MEI) and small companies, providing access to working capital and growth financing through partner financial institutions on the marketplace.
- Empréstimo com Garantia de Celular (Smartphone-collateralized Loan) Secured credit product using a Samsung smartphone as collateral, where the device is locked by a mobile app in case of default; targets adults 18+ with valid ID and proof of income seeking quick, collateral-backed credit.
Quantifiable outcome
- 8 million loan applications processed in 2023
- +3 more outcomes
Companies that use FinanZero
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
FinanZero technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
FinanZero partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered major.
- CreditasmajorCreditas Soluções Financeiras - CNPJ 17.770.708/0001-24. Partner financial institution offering secured loan products through the FinanZero platform.
- Banco DigiomajorBanco Digio S.A. - CNPJ 27.098.060/0001-45. Partner financial institution offering credit products through the FinanZero marketplace.
- Banco PANmajorBanco PAN S.A. - CNPJ 59.285.411/0001-13. Major partner bank offering personal loans and credit products through the FinanZero platform.
- BV (Banco Votorantim)majorBanco Votorantim S.A. - CNPJ/ME 59.588.111/0001-03. Partner financial institution offering credit solutions through the platform.
- NoverdemajorNoverde tecnologia e pagamentos S/A: CNPJ 07.652.226/0001-16. Partner fintech offering credit products through the platform.
- OmnimajorOmni S/A – Crédito, Financiamento e Investimento. CNPJ 92.228.410/0001-02. Partner offering financing solutions through the marketplace.
- SimplicmajorSimplic fintech partner offering credit solutions through the FinanZero platform.
- Itaú UnibancomajorItaú Unibanco Holding S.A. CNPJ: 60.872.504/0001-23. Major Brazilian bank partner offering credit products.
- Aymoré CréditomajorAymoré Crédito, Financiamento e Investimento S.A – CNPJ 07.707.650/0001-10. Partner financial institution offering credit through the platform.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
FinanZero competitors and assessment
Company assessmentDirect peers
- Geru: Brazilian online consumer lender focused on personal loans, with similar self-serve origination and credit decisioning — a direct competitor for unsecured consumer credit demand.
- Creditas: Brazil's largest secured-loan digital platform (home equity, vehicle, payroll), directly comparable as a credit marketplace/correspondent and an active FinanZero lender partner competing for the same borrower demand.
- Crefaz: Brazilian credit marketplace specializing in serving 'negativado' borrowers — directly competes with FinanZero's dedicated negative-credit product and is also a listed lender partner.
- Lendico Brasil: Online personal-loan platform operating as a digital lender and marketplace in Brazil, targeting the same SMB/consumer segment with a comparable self-serve credit funnel.
- Kredito: Online personal-loan broker in Brazil with a marketplace-style offering across multiple financial institutions, structurally analogous to FinanZero's correspondent-bank model.
- Just (Justa): Brazilian fintech offering personal loans and credit-builder products online; competes with FinanZero for the same digital-first consumer loan applicant.
Emerging players
- RecargaPay: Brazilian fintech super-app expanding into consumer credit, payments, and financial services; an emerging marketplace-style competitor for the same digital-first Brazilian consumer.
Broad incumbents
- BV (Banco Votorantim): Large Brazilian bank with a leading digital consumer-credit franchise; competes directly with FinanZero for online personal-loan demand while also distributing through FinanZero's marketplace.
- LendingTree: US-based multi-lender loan marketplace — the closest international business-model analog (commission-based consumer loan comparison) for benchmarking FinanZero's monetization.
- Banco PAN: Major Brazilian retail bank with strong digital consumer-loan origination; simultaneously a FinanZero partner and a direct competitor via its own online channels.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
FinanZero social profiles
Digital presenceFinanZero financial estimates
Financial estimateRevenue estimate
Valuation estimate
FinanZero leadership team
Management profileNumber of profiles
Profiles6 records
FinanZero funding detail
Funding detailFunding overview
Funding rounds9 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FinanZero 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 FinanZero
What does FinanZero do?
FinanZero runs a regulated online credit marketplace that matches Brazilian consumers and small businesses with loan and credit-card offers from over 70 partner banks and fintechs. A single application triggers up to 10 pre-approved offers within 5 minutes, with approved funds disbursed in up to 48 hours; the consumer-facing service is free and FinanZero earns a commission from the originating lender.
Is FinanZero a public or private company?
FinanZero is a private company. It is classified as venture growth investor backed and is currently operating.
When was FinanZero founded?
FinanZero was founded in 2016. It employs 51 to 100 people.
Where is FinanZero based?
FinanZero is headquartered in São Paulo, Brazil, in the Latin America region.
How does FinanZero make money?
Two revenue lines are on record. Commission from financial institutions are the primary driver. The others are media-for-equity investment.
Who are FinanZero's main competitors?
Direct peers on record are Geru, Creditas, Crefaz, Lendico Brasil, Kredito and Just (Justa). RecargaPay is listed as an emerging player. Broad incumbents are BV (Banco Votorantim), LendingTree and Banco PAN.
Does FinanZero have an API?
No public API is recorded for FinanZero.
What industry is FinanZero in?
FinanZero's product category is Consumer Lending Marketplace. Its primary akta.pro industry code is FSAGAHAE, Pricing, Risk-Based Offer & Limit Management, with a secondary code of FSAKABAI, Balance Transfer & Low-APR Credit Cards. Its NAICS code is 522 and its SIC code is 6141.