CondoLivre
CondoLivre is a Brazil-based fintech founded in 2021 that delivers payroll-deducted loans, condominium loans, and receivables anticipation to the condominium ecosystem — serving administrators, their CLT employees, síndicos, and suppliers via three integrated digital platforms as a banking correspondent.
- Company typePrivate
- Founded2021
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What CondoLivre does
CondoLivre is a Brazil-based fintech founded in 2021 and headquartered in São Paulo that delivers credit products and digital financial services specifically to the condominium ecosystem. The company operates as a banking correspondent (correspondente bancário) for partner financial institutions regulated by the Banco Central do Brasil, originating three core credit lines: payroll-deducted loans (empréstimo consignado) for CLT employees of condominium administrators or condominiums; condominium loans (empréstimo de condomínio) for síndicos funding building projects and improvements; and receivables anticipation (antecipação de recebíveis) for suppliers awaiting payment from condominiums.
CondoLivre delivers these products through three purpose-built web platforms segmented by user — an employee platform (cred.condolivre.com.br), a supplier platform (fornecedor.condolivre.com.br), and an administrator platform (adm.condolivre.com.br) — built on a Node.js/MongoDB backend with Sentry, Grafana, and Cloudwatch monitoring and CI/CD pipelines. The integrated stack connects administrators, their employees, and suppliers, with reconciliation tied to administrator HR processes and one-click bank reconciliation. The company uses an automated credit and consumption profiling system for fraud protection and underwriting, with human review reserved for edge cases.
The business model is freemium toward condominium administrators (administradoras), who receive the platform and reconciliation tools at no additional cost, while revenue is generated transactionally through interest and fees on originated credit products. The company reports 20,000+ condominiums served, 60,000+ employees on the platform, R$ 40M in notes anticipated, and R$ 100M in cumulative credit disbursed. Customer acquisition combines digital self-service (employee/supplier/administrator portals) with B2B WhatsApp-driven sales to administrators, supported by content marketing, organic social, and earned media coverage.
CondoLivre firmographics
Firmographics- Name
- CondoLivre
- Legal name
- CONDOLIVRE ANÁLISE DE CRÉDITO E COBRANÇA LTDA.
- Website
- https://condolivre.com.br
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CondoLivre is a Brazil-based fintech founded in 2021 that delivers payroll-deducted loans, condominium loans, and receivables anticipation to the condominium ecosystem — serving administrators, their CLT employees, síndicos, and suppliers via three integrated digital platforms as a banking correspondent.
- Ownership category
- akta.pro rank
CondoLivre industry classification
Industry- Product category
- Consumer Lending Services
- NAICS
- Nondepository Credit Intermediation (5222), Consumer Lending (522291)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Condominium Association Management (BPAJAHAA)
Keywords
Where CondoLivre is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
CondoLivre business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Others
Revenue model
- Payroll-Deducted Loans (Empréstimo Consignado): Credit products offered to CLT employees of condominium administrators or condominiums, with repayments deducted directly from payroll. Revenue generated from interest rates on loans facilitated through the platform.
- Condominium Loans (Empréstimo de Condomínio): Credit products specifically designed for síndicos to fund building projects, maintenance, and improvements. Revenue from interest and fees on condo loans.
- Receivables Anticipation (Antecipação de Recebíveis): Platform allowing suppliers to receive early payment on invoices owed by condominiums. Revenue generated through discounting/fees on the anticipated amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free access for administrators |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
CondoLivre product offering
Product offeringCore offering
CondoLivre is a fintech that originates and services credit products tailored to the Brazilian condominium ecosystem. It provides payroll-deducted loans (consignado) to CLT employees of condominium administrators, condominium improvement loans to síndicos, and receivables anticipation for suppliers, delivering these through three dedicated web platforms (employee, supplier, and administrator portals) and earning transaction-based revenue as a banking correspondent of partner financial institutions.
Product overview
CondoLivre is a fintech offering a suite of three core financial products designed for the condominium ecosystem: Payroll Deduction Loans (Empréstimo Consignado) for CLT employees of property management companies, Condominium Loans (Empréstimo de Condomínio) for síndicos, and Accounts Receivable Advance (Antecipação de Recebíveis) for suppliers. These products are delivered through three separate digital platforms segmented by user type: the Employee Platform (cred.condolivre.com.br), the Supplier Platform (fornecedor.condolivre.com.br), and the Administrator Platform (adm.condolivre.com.br), providing integrated digital solutions that connect employees, suppliers, and property administrators.
Differentiator
Problem solved
Functional benefit
Brands
- Plataforma Funcionários CLT: Digital platform for CLT employees to request loans, check active loans, or pay debts
- Plataforma Fornecedores
- Plataforma Administradoras
Products and services
- Empréstimo Consignado (Payroll Deduction Loan) Credit solution for employees of property management companies or condominiums, with loan repayment deducted directly from payroll, originated by CondoLivre as a banking correspondent of partner financial institutions.
- Empréstimo de Condomínio (Condominium Loan) Credit solution for síndicos (building managers) to fund projects, renovations, and improvements during their management tenure, originated via CondoLivre's banking correspondent arrangement.
- Antecipação de Recebíveis (Accounts Receivable Advance) Receivables anticipation service for suppliers that allows them to receive future payments from condominiums in advance, maintaining healthy cash flow; revenue is generated through discounting/fees on the anticipated amount.
- Plataforma Funcionários CLT (Employee Platform) Digital platform for CLT employees to request loans, check active loans, or pay off debts, providing the end-user front-end for the Empréstimo Consignado product.
- Plataforma Fornecedores (Supplier Platform) Exclusive platform for suppliers to open their anticipation account or check their receivables, providing the end-user front-end for the Antecipação de Recebíveis product.
- Plataforma Administradoras (Administrator Platform) Exclusive platform for property administrators to check loans and perform reconciliations with one click, provided free to partner administradoras.
Quantifiable outcome
- 20,000+ condominiums served
- +4 more outcomes
Companies that use CondoLivre
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles3 records
CondoLivre technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature5 records
CondoLivre partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights5 records
CondoLivre competitors and assessment
Company assessmentDirect peers
- Caju: Brazilian employee-benefits platform delivering flexible corporate benefits, food cards, and HR-integrated financial products to CLT employees of partner companies. Comparable because it shares CondoLivre's primary end-user (the CLT employee), uses payroll integration similarly, and is sold through a B2B sales motion to employer/administrator counterparts.
- Superlógica: Brazilian software company providing management SaaS for condominium administrators (administradoras), including financial reconciliation and resident portals. Comparable because it operates in the same condominium-ecosystem vertical and already touches the administrator back-office where CondoLivre is layering credit products.
- SíndicoNet: Long-established Brazilian content, community, and SaaS platform dedicated to síndicos and administradoras de condomínio. Comparable as a direct vertical peer serving the same condominium manager and administrator personas that CondoLivre targets for its condo-loan and reconciliation tools.
Emerging players
- Flash Benefícios: Brazilian corporate-benefits and multi-card platform offering meal, food, culture, and payroll-related products to employer clients. Comparable as an emerging peer in the same employee-financial-services category; overlaps CondoLivre's consignado/employee loan distribution channel but without the condominium vertical specialization.
- Z1 (Banco Z1): Brazilian digital bank focused on teenagers and young adults, offering cards, accounts, and financial-education tools. Comparable as an emerging Brazilian consumer fintech serving younger CLT-relevant demographics with payroll-linked or work-related products, though operating in a different life-stage segment than CondoLivre.
Broad incumbents
- RecargaPay: Brazilian consumer fintech offering prepaid cards, payments, and small-business financial services via a mobile app. Comparable as a Brazilian fintech with overlapping consumer-credit-adjacent capabilities and similar end-user demographics, though it does not specialize in the condominium channel.
- Nubank: Brazil's largest digital bank, providing consumer credit cards, personal loans, and overdraft products to tens of millions of Brazilians. Comparable as a broad incumbent in Brazilian unsecured/payroll-adjacent consumer credit with the scale and balance-sheet capacity to enter vertical niches; potential competitive threat rather than a direct partner.
- Mercado Pago: Largest Brazilian digital payments and consumer-credit platform, part of Mercado Livre. Comparable as a broad incumbent Brazilian fintech competing for the same consumer/SMB credit wallet and increasingly pushing into vertical lending; vertical-agnostic and far larger scale than CondoLivre.
- Creditas: Large Brazilian digital lender offering home-equity, auto, and payroll-deductible consumer credit. Comparable as a broad incumbent in the same payroll-deductible and B2B-funded consumer credit space that CondoLivre operates in, with much larger scale and balance-sheet funding.
Others
- QuintoAndar: Brazilian proptech providing rental management, financing brokerage, and ancillary real-estate financial services. Comparable as a Brazilian real-estate fintech adjacent to the condominium ecosystem; the relationship is thematic rather than direct, since QuintoAndar's unit is the rental landlord/tenant rather than administradoras.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
CondoLivre social profiles
Digital presenceCondoLivre financial estimates
Financial estimateRevenue estimate
Valuation estimate
CondoLivre leadership team
Management profileNumber of profiles
Profiles3 records
CondoLivre funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CondoLivre 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 CondoLivre
What does CondoLivre do?
CondoLivre is a fintech that originates and services credit products tailored to the Brazilian condominium ecosystem. It provides payroll-deducted loans (consignado) to CLT employees of condominium administrators, condominium improvement loans to síndicos, and receivables anticipation for suppliers, delivering these through three dedicated web platforms (employee, supplier, and administrator portals) and earning transaction-based revenue as a banking correspondent of partner financial institutions.
Is CondoLivre a public or private company?
CondoLivre is a private company. It is classified as venture growth investor backed and is currently operating.
When was CondoLivre founded?
CondoLivre was founded in 2021. It employs 11 to 50 people.
Where is CondoLivre based?
CondoLivre is headquartered in São Paulo, Brazil, in the Latin America region.
How does CondoLivre make money?
Three revenue lines are on record. Payroll-Deducted Loans (Empréstimo Consignado) is the primary driver. The others are condominium Loans (Empréstimo de Condomínio) and receivables Anticipation (Antecipação de Recebíveis).
Who are CondoLivre's main competitors?
Direct peers on record are Caju, Superlógica and SíndicoNet. Emerging players are Flash Benefícios and Z1 (Banco Z1). Broad incumbents are RecargaPay, Nubank, Mercado Pago and Creditas. QuintoAndar is listed as an others.
Does CondoLivre have an API?
No public API is recorded for CondoLivre.
What industry is CondoLivre in?
CondoLivre's product category is Consumer Lending Services. Its primary akta.pro industry code is BPAJAHAA, Condominium Association Management. Its NAICS code is 5222 and its SIC code is 6162.