Omni
Omni is a privately held Brazilian financial services conglomerate founded in 1994 offering vehicle financing, secured loans, crediário, credit cards, and microcredit to underserved consumers and small businesses through 100+ physical agents and digital channels.
- Company typePrivate
- Founded1994
- HeadquartersSão Paulo, Brazil
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Omni does
Omni is a privately held Brazilian financial services conglomerate headquartered in São Paulo, operating since 1994 under the legal name Omni Banco S.A. and trading under multiple sub-brands including Omni, Omni Financeira, Finsol, Omni1, and Trigg. The company operates through six legal entities covering banking (Omni Banco S.A.), credit/financing/investment (Omni S.A. CFI), leasing (Omni S.A. Arrendamento Mercantil), microcredit (Finsol SCMEPP S.A.), insurance brokerage (Omni1 Corretora de Seguros S.A.), and debt collection (Agility Gestão e Cobrança Ltda.).
The core product platform centers on vehicle financing for cars, motorcycles, and trucks, complemented by secured loans using vehicles as collateral, point-of-sale crediário financing through partner merchants, Omni and Trigg-branded credit cards, microcredit for small businesses (Finsol), working capital (Capital de Giro), credit portability (Portabilidade Omni), debt negotiation, and insurance products. Distribution runs through a hybrid of 100+ physical Agentes Omni correspondent banking locations across Brazil, a mobile application for iOS and Android, a customer web portal, a dedicated negotiation portal (negociacao.omni.com.br), and partner retailer networks for crediário point-of-sale financing. The technology stack is described as a digital financial services platform with mobile app integration, web portal, and correspondent banking network infrastructure.
Omni's revenue model is anchored in interest income from vehicle financing and secured loans (subscription/recurring), supplemented by transaction fees from crediário point-of-sale financing at partner retailers, debt negotiation recovery fees, credit card interchange and revolving-balance interest, insurance brokerage commissions, and microcredit interest from Finsol. Primary customer segments are individual Brazilian consumers seeking vehicle financing, women entrepreneurs and female truck drivers targeted by Programa ELAS, retail customers using partner crediário, and small businesses/microenterprises via Finsol. The conglomerate is LGPD-compliant, a signatory to Brazil's federal anti-corruption integrity pacts, and has an active development finance relationship with the IFC.
Omni firmographics
Firmographics- Name
- Omni
- Legal name
- Omni Banco S.A.
- Website
- https://omni.com.br
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Omni is a privately held Brazilian financial services conglomerate founded in 1994 offering vehicle financing, secured loans, crediário, credit cards, and microcredit to underserved consumers and small businesses through 100+ physical agents and digital channels.
- Ownership category
- akta.pro rank
Where Omni is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Omni business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain, Others
Revenue model
- Vehicle Financing: Interest income from financing cars, motorcycles, and trucks. Customers make monthly payments with interest over the financing term.
- Secured Loans: Loans using vehicles as collateral, generating interest income
- Crediário Services: Point-of-sale financing through partner merchants, earning interest on installment plans
- Debt Negotiation: Negotiation services for customers with outstanding debts, generating recovery fees
- Credit Cards: Omni-branded credit card operations including interchange fees and interest on revolving balances
Go-to-market motion3 records
Distribution channels6 records
Marketing channels8 records
Omni product offering
Product offeringCore offering
Omni is a Brazilian financial services conglomerate that provides vehicle financing (cars, motorcycles, trucks), secured loans using vehicles as collateral, point-of-sale consumer credit (crediário) through partner retailers, debt negotiation services, credit cards under the Omni and Trigg brands, and microcredit for small entrepreneurs through its Finsol subsidiary. Services are distributed through a nationwide network of more than 100 physical correspondent agents and digital self-service channels including mobile apps and web portals.
Product overview
Omni is a Brazilian financial services conglomerate operating since 1994 that offers a multi-product financial platform. The core offerings center on vehicle financing (cars, motorcycles, and trucks), secured loans using vehicles as collateral, and consumer credit through its crediário network. The product portfolio spans consumer lending, business banking, credit cards (under both Omni and Trigg brands), insurance products, and financial education tools. The company operates through multiple legal entities including Omni Banco S.A., Omni S.A. Crédito, Financiamento e Investimento, Omni S.A. Arrendamento Mercantil, Finsol SCMEPP S.A., and Agility Gestão e Cobrança Ltda. Services are delivered through physical agent networks, a mobile application, and online portals with a focus on democratizing credit access across Brazil.
Differentiator
Problem solved
Functional benefit
Brands
- Omni Banco: Banking subsidiary of Omni offering account services and credit products
- Omni CFI
- Programa ELAS
- Renova Omni
- Omni Educa
- Omni1
- Finsol
- Trigg
Products and services
- Financiamento de Carro (Car Financing)
Companies that use Omni
Customer profileSegments4 records
Ideal customer profiles3 records
Omni technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Omni partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Power Connection 2026minorOmni sponsored the Power Connection 2026 event, reinforcing its credit solutions for the photovoltaic (solar energy) market. This sponsorship demonstrates Omni's expansion into renewable energy financing.
- IFC (International Finance Corporation)coreIFC and Omni have expanded their partnership to support female entrepreneurship and women truck drivers in Brazil. The partnership provides specialized financing programs through the ELAS initiative, offering favorable conditions for women-owned businesses and female commercial drivers.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Omni competitors and assessment
Company assessmentDirect peers
- Banco Pan: Banco Pan is a Brazilian mid-sized consumer finance and vehicle financing bank serving similar C/D-class borrowers through physical and digital channels. It is the closest direct comparable given its vehicle financing, payroll-deduction credit, and agent-network distribution model.
- Crefisa: Crefisa is a Brazilian consumer credit specialist focused on lower-income borrowers, payroll-deduction loans, and retirement-backed credit. Comparable to Omni's financial-inclusion positioning and unsecured personal lending exposure.
- Tricard: Tricard is a Brazilian credit card and consumer finance company operating in similar retail and partner-merchant channels. Comparable to Omni's crediário and Trigg-branded card products.
- Banco BV: Banco BV (formerly Votorantim) is a major Brazilian vehicle financing bank with strong auto-loan origination through dealer networks. Highly comparable to Omni's core car/truck/motorcycle financing franchise.
Emerging players
- Nubank: Nubank is Brazil's largest digital bank, offering credit cards, personal loans, and consumer credit at scale. An emerging fintech competitor with substantially lower cost-to-serve than Omni's agent-led model.
- C6 Bank: C6 Bank is a Brazilian digital bank offering credit cards, personal loans, and business accounts. Competes with Omni's Trigg/Omni card and business banking products from a fully digital platform.
- Creditas: Creditas is a Brazilian digital lender specializing in asset-secured consumer credit (home equity, auto equity). Directly competes with Omni's Empréstimo com Garantia (secured vehicle loan) product via a digital-first model.
Broad incumbents
- Bradesco: Bradesco is one of Brazil's largest incumbent banks with significant vehicle financing and consumer credit operations. Comparable as a broad incumbent competing across Omni's product categories but at vastly larger scale.
- Banco do Brasil: Banco do Brasil is a state-controlled bank with large vehicle, payroll, and microcredit portfolios. Comparable in serving Brazilian mass-market and small-business credit demand, though with government backing Omni lacks.
- Itaú Unibanco: Itaú Unibanco is Brazil's largest private bank, with material vehicle financing, credit card, and consumer lending franchises. Comparable as a broad incumbent but with substantially deeper capital and digital infrastructure.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Omni social profiles
Digital presenceOmni compliance and trust
Trust signalCompliance2 records
Omni financial estimates
Financial estimateRevenue estimate
Valuation estimate
Omni leadership team
Management profileNumber of profiles
Profiles1 record
Omni subsidiaries and ownership
Company hierarchySubsidiaries5 records
Omni funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Omni 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 Omni
What does Omni do?
Omni is a Brazilian financial services conglomerate that provides vehicle financing (cars, motorcycles, trucks), secured loans using vehicles as collateral, point-of-sale consumer credit (crediário) through partner retailers, debt negotiation services, credit cards under the Omni and Trigg brands, and microcredit for small entrepreneurs through its Finsol subsidiary. Services are distributed through a nationwide network of more than 100 physical correspondent agents and digital self-service channels including mobile apps and web portals.
Is Omni a public or private company?
Omni is a private company. It is classified as unknown and is currently operating.
When was Omni founded?
Omni was founded in 1994. It employs 1,001 to 5,000 people.
Where is Omni based?
Omni is headquartered in São Paulo, Brazil, in the Latin America region.
How does Omni make money?
Five revenue lines are on record. Vehicle Financing is the primary driver. The others are secured Loans, crediário Services, debt Negotiation and credit Cards.
Who are Omni's main competitors?
Direct peers on record are Banco Pan, Crefisa, Tricard and Banco BV. Emerging players are Nubank, C6 Bank and Creditas. Broad incumbents are Bradesco, Banco do Brasil and Itaú Unibanco.
Does Omni have an API?
No public API is recorded for Omni.