Lend

What Lend does

Lend is a São Paulo-based, Central Bank-licensed fintech founded in 2022 that builds AI-powered infrastructure for B2B commercial credit between industries and retailers in Brazil. The company operates through four wholly-owned regulated entities (LEND Instituição de Pagamento, LEND Sociedade de Crédito Direto, LEND Securitizadora, and LEND Serviços), giving it a rare combination of Payment Institution, Direct Credit Society, and securitization capabilities within a single group. Its core platform unifies three product modules: Credit Intelligence, which uses AI agents to analyze individualized billing, bank credit limits, credit usage and payment behavior sourced directly from Brazil's National Financial System; Intelligent Guarantee, which transforms card, Pix, and boleto receivables into executable digital guarantees registered through CERC, Nuclea, and TAG, with D+7 recovery in case of default and no judicial process; and AI Credit Agents, an agentic system covering onboarding with real-time fraud detection, automated credit limit recommendation, financial health reporting, and continuous deterioration monitoring with early-warning signals 60–90 days before payment due dates.

The platform is delivered via API integration into clients' existing sales systems and is targeted at manufacturing and distribution companies selling to retailers, with explicit vertical focus on protein and pharmaceutical industries. Lend monetizes through credit interest income of 0.99%–1% per month on credit operations, a R$58 monthly account maintenance fee, and late payment charges of 1% interest plus a 2% penalty. Distribution is enterprise field sales with demo scheduling, specialist consultations, and dedicated technical onboarding support; marketing blends thought leadership whitepapers with creative brand activations. The company claims R$35 billion+ in protected credit and R$5 billion+ in new sales enabled across its customer base.

Name

Lend

Legal name

LEND INSTITUIÇÃO DE PAGAMENTO LTDA

Website

https://lend.tech

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Lend is a Brazil-based, Banco Central-licensed fintech that uses AI agents and digital guarantees on card, Pix, and boleto receivables to provide B2B credit infrastructure between manufacturing/distribution companies and retailers.

Ownership category

akta.pro rank

Product category

B2B Credit Infrastructure

NAICS

Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industries

Collections, Recovery & Debt Management Platforms (FSAGAHAI), Lending & Credit Disbursements (FSAMAKAH)

Keywords

• B2B credit infrastructure
• Commercial credit platform
• Digital credit guarantees
• Credit risk analytics
• Receivables-based lending

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Credit Interest Income: Interest charged on credit operations granted to customers, with rates ranging from 0.99% to 1% per month for credit operations.
2. Account Maintenance Fees: Monthly account maintenance fee of R$ 58.00 for payment accounts with banking domicile.
3. Late Payment Charges: Interest on arrears at 1% per month plus 2% penalty for late payments on credit operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Lend provides an AI-powered B2B credit infrastructure platform that combines real-time credit analysis agents, digital payment guarantees on card, Pix, and boleto receivables, and continuous default risk monitoring for industries selling to retailers in Brazil. The platform pulls individualized billing, bank credit limits, and payment behavior data directly from Brazil's National Financial System, integrates with 100% of card and boleto transaction data via authorized registradoras, and delivers API-based execution of guarantees (D+7 recovery without legal process).

Product overview

Lend operates as a technology company with Central Bank of Brazil licenses (LEND Instituição de Pagamento, LEND SCD, LEND Securitizadora, LEND Serviços) offering a unified B2B credit infrastructure platform. The core platform combines AI credit analysis agents, intelligent digital guarantees on card/Pix/boleto receivables, and continuous portfolio risk monitoring for industries selling to retailers. The Lend group also includes branded sub-products Pago Bem and Pedido Protegido. The company supports its commercial approach with creative marketing collabs and content pieces (Cowçados footwear, Maquininha de Ouro sculpture, Lend Pen, Indústrias Lend product line) and publishes whitepapers (LEND Blueprint 01 on receivables guarantees, Frankenstein do Crédito, Velozes & Cautelosos, De Férias com o EX-Imposto) that double as educational content and product positioning. Integration is delivered via API.

Differentiator

Problem solved

Functional benefit

Brands

• Pago Bem: Product brand referenced on the institutional page, separate from main Lend brand.
• Pedido Protegido

Products and services

• Lend Platform AI-powered B2B credit infrastructure platform combining real-time credit analysis agents, intelligent payment guarantees on card/Pix/boleto receivables, and continuous risk monitoring for industries selling to retailers. Integrates directly with Brazil's National Financial System and BCB-authorized registradoras and is delivered via API as infrastructure that does not impact the client's sales system.
• Pago Bem Branded Lend group product referenced in the institutional site navigation, presented as a separate consumer-facing offering within the Lend product family.
• Pedido Protegido Branded Lend group product referenced in the institutional site navigation, presented as a separate consumer-facing offering within the Lend product family.

Quantifiable outcome

• R$ 35 billion+ in protected credit
• +5 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Banco Central do BrasilcoreOthersLend operates as a licensed institution authorized by Banco Central do Brasil, holding multiple licenses including LEND INSTITUIÇÃO DE PAGAMENTO LTDA (Payment Institution), LEND SOCIEDADE DE CRÉDITO DIRETO S.A. (Direct Credit Society), LEND SECURITIZADORA DE CRÉDITOS FINANCEIROS S.A. (Securitizer), and LEND SERVIÇOS LTDA. (Technology services). The Central Bank authorization enables the company to operate directly with registradoras and access the National Financial System.
• Pinheiro Neto AdvogadosminorStrategic or Co-development PartnerStrategic content collaboration where Lend invited Bruno Balduccini, partner at Pinheiro Neto Advogados, to comment on regulatory impacts of Banco Central Resolutions 514/2025 and 522/2025 regarding guarantees and credit market infrastructure.
• Registraras (CERC, Nuclea, TAG)coreTechnology or IntegrationLend operates with authorized registrars including CERC, Nuclea, and TAG for registering card receivables. Through Central Bank regulation, these registrars handle all card machine transactions in Brazil, enabling Lend to access and manage digital guarantees on behalf of clients.
• Insper + AssetzminorOthersLend references research from Insper and Assetz including 'O Perfil do CFO no Brasil 2024' study on CFO decision-making patterns and data access in Brazilian companies.
• Opinion BoxminorOthersLend commissioned research from Opinion Box revealing that 52% of retail businesses feel undervalued by industry in credit limit decisions.
• Renato Vilela Faria - Martins VillacminorOthersLend invited Renato Vilela Faria, tax law partner at Martins Villac law firm, to provide expert commentary on the impact of tax reform on business operations and financial management.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Pipe: US-based B2B capital platform providing revenue-based financing and embedded credit for SaaS and B2B companies. Comparable to Lend in offering technology-led B2B credit infrastructure, though focused on recurring-revenue SaaS rather than physical-goods B2B commerce.
• Conta Azul: Brazilian SMB financial management platform expanding into credit and capital products. Comparable to Lend in addressing Brazilian business credit needs with technology-driven underwriting, though broader in scope (accounting + credit).

Direct peers

• Kanastra: Brazilian fintech operating a receivables-backed credit platform for B2B commerce. Kanastra directly competes with Lend by enabling companies to use future receivables as collateral, offering comparable credit-as-a-service infrastructure for industries selling to retailers.
• a55: Brazilian B2B credit infrastructure fintech providing working capital and embedded credit for SMEs. Comparable to Lend in targeting B2B lending with technology-led underwriting and serving as an alternative to traditional bank credit.
• Cora: Brazilian digital B2B banking platform offering accounts, payments, and credit products to SMEs. Overlaps with Lend in providing credit infrastructure to Brazilian businesses, though Cora's distribution is SMB-focused rather than industry-to-retailer B2B.
• BizCapital: Brazilian online B2B lending platform offering working capital and credit lines to SMEs. Comparable to Lend in providing technology-driven B2B credit, though focused on smaller-ticket SMB loans rather than industry-retailer receivables financing.

Broad incumbents

• Serasa Experian: Brazil's largest credit bureau and incumbent credit information provider. Relevant because Lend explicitly differentiates from bureaus ("we execute, not just inform") and competes for the same B2B credit decisioning use case.
• Creditas: Brazilian secured consumer and SME lending platform using home equity, auto, and receivables as collateral. Broader incumbent in Brazilian credit fintech, comparable to Lend in its receivables-backed credit products but with larger scale and consumer focus.
• Stone Co. Major Brazilian payments and banking platform with credit products for merchants. Comparable to Lend in serving Brazilian retail merchants with payments and credit infrastructure, though operating at substantially larger scale and broader scope.

Regional players

• Capital Empreendedor: Brazilian fintech focused on B2B credit for SMEs, providing working capital solutions. Comparable to Lend in technology-led underwriting for Brazilian business credit, though smaller scale and different target segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@LendTech
• LinkedInlinkedin.com/company/lend-br
• Instagraminstagram.com/lend.tech

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds1 record

Investors3 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 Lend