CreditCorp
CreditCorp is a Brazilian fintech that structures and operates receivables-backed credit transactions through a proprietary FIDC and a self-service digital anticipation platform, primarily serving SMEs that supply large corporate anchor buyers.
- Company typePrivate
- Founded2018
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingServices
What CreditCorp does
CreditCorp Servi\u00e7os Corporativos S.A. is a Brazilian private fintech incorporated in 2018 and headquartered in S\u00e3o Paulo (Itaim Bibi). The company structures and operationalizes financial transactions involving receivables, operating through two core offerings: a Fundo de Investimento em Direitos Credit\u00f3rios (FIDC) vehicle that acquires credit rights such as checks, credit card installments, rents, and duplicate invoices, and a proprietary Plataforma de Antecipa\u00e7\u00e3o (Anticipation Platform) that enables companies to discount receivables against a network of curated anchor buyers (Sacados Parceiros).
The proprietary technology stack automates the full receivables lifecycle — electronic invoice transmission, digital certificate-based contract execution, self-service title selection, and real-time credit disbursement — compressing approval and funding timelines to under 48 hours. The platform supports modular control and information reporting across multiple structured-credit products, including CRI (real estate receivables), CRA (agribusiness receivables), CR (credit rights), Debentures, and Commercial Notes.
CreditCorp generates revenue primarily through transaction fees on receivables discounting and FIDC management operations, with capital sourced from FIDC CreditCorp, partner banks, institutional investors, and family offices. Its go-to-market is product-led via a self-service web platform (app.creditcorp.com.br) supplemented by inside sales and direct corporate relationships, targeting SMEs that supply large corporations. The company has expanded internationally through CreditCorp Nigeria, partnering with Nigeria's PiCNG & EV presidential initiative to structure vehicle-conversion financing.
CreditCorp firmographics
Firmographics- Name
- CreditCorp
- Legal name
- CreditCorp Serviços Corporativos S.A.
- Website
- https://creditcorp.com.br
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CreditCorp is a Brazilian fintech that structures and operates receivables-backed credit transactions through a proprietary FIDC and a self-service digital anticipation platform, primarily serving SMEs that supply large corporate anchor buyers.
- Ownership category
- akta.pro rank
CreditCorp industry classification
Industry- Product category
- Receivables Financing & Securitization
- NAICS
- Nondepository Credit Intermediation (5222), Sales Financing (522220)
- SIC
- Short-Term Business Credit Institutions (6153), Asset-Backed Securities (6189)
- akta.pro primary industry
- Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)
- akta.pro secondary industry
- Collections, Recovery & Debt Management Platforms (FSAGAHAI)
Keywords
Where CreditCorp is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
CreditCorp business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Receivables Discounting Fees: CreditCorp earns fees from discounting duplicate invoices (duplicatas) and other receivables that companies have against their partner debtors. The company operates with resources from CreditCorp Investment Fund in Receivables (FIDC CreditCorp) and partner banks. Fees are competitive compared to traditional banking and factoring alternatives.
- FIDC Operations: The company structures and operates Fundo de Investimento em Direitos Creditórios (FIDC) vehicles that acquire credit rights, enabling securitization of receivables including checks, credit card installments, rents, and duplicate invoices.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | No tiered pricing model disclosed - rates are competitive and negotiable based on transaction characteristics |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
CreditCorp product offering
Product offeringCore offering
CreditCorp structures and operationalizes financial transactions involving receivables for Brazilian SMEs, primarily through two core offerings: (1) the Plataforma de Antecipação, a proprietary digital self-service platform that enables companies to discount duplicate invoices (duplicatas) against selected partner debtors (sacados) with rapid credit approval and competitive rates, and (2) FIDC (Fundo de Investimento em Direitos Creditórios) receivables securitization fund vehicles that acquire credit rights such as checks, credit card installments, rents, and invoices. The company connects SMEs to capital and credit markets via technology-driven, automated processes that bypass traditional banking bureaucracy.
Product overview
CreditCorp is a fintech company that structures and operationalizes financial transactions involving receivables using innovative technology. The company operates primarily through two core offerings: (1) FIDC (Fundo de Investimento em Direitos Creditórios) - a receivables securitization fund vehicle with a proprietary platform for electronic invoice processing, and (2) Plataforma de Antecipação - a digital platform enabling companies to anticipate receivables against partner debtors. Additional products include CRI (real estate receivables), CRA (agribusiness receivables), CR (credit rights), Debêntures, and Notas Comerciais. The company connects businesses to capital and credit markets through technology-driven, automated processes that eliminate bureaucratic requirements typical of traditional banks.
Differentiator
Problem solved
Functional benefit
Brands
- Plataforma de Antecipação: Digital platform for anticipation of receivables (duplicatas/bills receivable) enabling companies to receive credit quickly without bureaucratic documentation requirements.
Products and services
- FIDC (Fundo de Investimento em Direitos Creditórios) Securitization investment fund vehicle that acquires credit rights (cheques, credit card installments, rents, or duplicate invoices). CreditCorp's proprietary platform enables suppliers to automatically submit electronic invoices for anticipation against selected debtors (sacados) within the FIDC structure, most commonly structured as 'Risco Sacado' transactions.
- Plataforma de Antecipação (Anticipation Platform) Proprietary digital platform enabling companies to anticipate receivables (duplicate invoices/duplicatas) against partner debtors with competitive rates and without bureaucratic documentation. Features automated electronic invoice transmission, digital contract signing via digital certificate (Certificado Digital), and real-time self-service access. Supports both Risco Sacado (debtor risk) and Risco Cedente (creditor risk) anticipation structures.
- CRI (Certificados de Recebíveis Imobiliários) Securitized instrument backed by real estate receivables, structured and operationalized by CreditCorp for corporate clients needing alternative debt structuring.
- CRA (Certificados de Recebíveis do Agronegócio) Securitized instrument backed by agribusiness receivables, structured and operationalized by CreditCorp for companies in the agribusiness sector.
- Debêntures Corporate debentures (debt securities) issued by companies as a form of borrowing, structured and placed by CreditCorp as part of its corporate debt structuring services.
- Notas Comerciais Short-term commercial notes (debt instruments) issued by companies, structured and operationalized by CreditCorp as part of its alternative debt offerings.
Companies that use CreditCorp
Customer profileSegments2 records
Ideal customer profiles1 record
CreditCorp technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
CreditCorp partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Presidential Initiative on Compressed Natural Gas and Electric Vehicles (PiCNG & EV)coreCreditCorp Nigeria was directed to work with the PiCNG & EV initiative and financial institutions to design accessible financing structures for nationwide vehicle conversions. The partnership involves designing affordable financing structures for CNG and EV conversions.
- CreditCorp NigeriacoreSubsidiary operating in Nigeria as part of the Presidential Initiative on Compressed Natural Gas and Electric Vehicles, working with financial institutions to design financing structures for vehicle conversion nationwide.
- Selected Debtors (Sacados Parceiros)coreLarge corporations whose suppliers (creditors) can discount their receivables against these debtors through CreditCorp's platform. These partner companies provide the underlying business relationships for receivables operations.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
CreditCorp competitors and assessment
Company assessmentEmerging players
- Just: Brazilian fintech focused on receivables anticipation and embedded credit for SMEs. Directly comparable product offering (receivables anticipation) with self-service technology.
- QI Tech: Brazilian embedded finance and credit infrastructure platform serving SMEs with banking-as-a-service and credit products. Comparable as a technology-driven credit intermediary targeting Brazilian SMEs.
- Geru: Brazilian alternative-credit fintech using data-driven underwriting for personal and small-business loans. Comparable as an emerging digital credit player in the Brazilian market.
Broad incumbents
- Banco Inter: Brazilian digital bank offering business accounts, credit, and working capital products to SMEs. Comparable as a broad incumbent competing for the same SME credit and banking relationships.
- Stone: Brazilian payments and digital banking platform serving SMEs with acquiring, credit, and banking products. Comparable as a broad incumbent offering working-capital credit to the same SME base.
- Nubank: Largest Brazilian digital bank offering consumer credit, business accounts, and SME products. Indirectly comparable as a major Brazilian fintech competing for SME credit and digital banking relationships.
Direct peers
- BizCapital: Brazilian online lender providing working capital and receivables-based credit to SMEs. Closely matches CreditCorp's receivables-discounting model and SME target customer.
- Cora: Brazilian digital banking and credit platform for SMEs, including working capital and receivables-backed products. Competes head-to-head in serving Brazilian SMEs with streamlined digital credit.
- FinanZero: Online consumer and SME loan marketplace in Brazil that connects borrowers with multiple lenders. Comparable as a digital-first credit intermediary addressing the same underserved SME segment.
- Creditas: Brazilian digital lender offering asset-backed credit products, including receivables-based and collateralized loans to individuals and SMEs. Most directly comparable due to focus on structured, technology-enabled credit intermediation in Brazil.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
CreditCorp social profiles
Digital presenceCreditCorp compliance and trust
Trust signalCompliance2 records
CreditCorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
CreditCorp leadership team
Management profileNumber of profiles
Profiles1 record
CreditCorp funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CreditCorp 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 CreditCorp
What does CreditCorp do?
CreditCorp structures and operationalizes financial transactions involving receivables for Brazilian SMEs, primarily through two core offerings: (1) the Plataforma de Antecipação, a proprietary digital self-service platform that enables companies to discount duplicate invoices (duplicatas) against selected partner debtors (sacados) with rapid credit approval and competitive rates, and (2) FIDC (Fundo de Investimento em Direitos Creditórios) receivables securitization fund vehicles that acquire credit rights such as checks, credit card installments, rents, and invoices. The company connects SMEs to capital and credit markets via technology-driven, automated processes that bypass traditional banking bureaucracy.
Is CreditCorp a public or private company?
CreditCorp is a private company. It is classified as venture growth investor backed and is currently operating.
When was CreditCorp founded?
CreditCorp was founded in 2018. It employs 11 to 50 people.
Where is CreditCorp based?
CreditCorp is headquartered in São Paulo, Brazil, in the Latin America region.
How does CreditCorp make money?
Two revenue lines are on record. Receivables Discounting Fees are the primary driver. The others are FIDC Operations.
Who are CreditCorp's main competitors?
Emerging players on record are Just, QI Tech and Geru. Broad incumbents are Banco Inter, Stone and Nubank. Direct peers are BizCapital, Cora, FinanZero and Creditas.
Does CreditCorp have an API?
No public API is recorded for CreditCorp.
What industry is CreditCorp in?
CreditCorp's product category is Receivables Financing & Securitization. Its primary akta.pro industry code is FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting), with a secondary code of FSAGAHAI, Collections, Recovery & Debt Management Platforms. Its NAICS code is 5222 and its SIC code is 6153.