SPC Brasil

What SPC Brasil does

SPC Brasil is a Brazilian data intelligence and credit bureau company operating a national registry of 232 million individual registrations and relationships with more than 120 million Brazilians. Founded in 2000 and headquartered in the Alphaville district of Barueri (São Paulo metropolitan area), the company is affiliated with CNDL, the national confederation of CDL shopkeeper chambers, and has operated continuously for over 20 years. Its core platform aggregates credit, default, and positive-payment history data on Brazilian consumers and businesses (CPF and CNPJ), and exposes this dataset through a portfolio of query, monitoring, scoring, recovery, and digital certification products.

The product portfolio spans consumer and business credit queries (Consulta CPF/CNPJ tiers priced from R$14.90 to R$59.90), subscription monitoring services under the SPC Avisa brand (R$11.90 to R$26.90 monthly), an online debt negotiation marketplace (Negociar Dívida, offering discounts up to 99%), and digital certificate offerings including e-CNPJ A1/A3 and a cloud-based SPC Móvel-ID solution (R$229.99 to R$489.99). On the enterprise side, SPC Brasil delivers credit analysis, intelligent debt registration (Registro Inteligente) with advertised 77% recovery within 30 days, Cadastro Positivo positive credit registry, fraud prevention, portfolio management, and data-driven marketing services to clients ranging from individual consumers to large corporates. The platform is ISO 27001 certified and LGPD-compliant.

Revenue is generated through a hybrid model: transactional per-query fees for CPF/CNPJ lookups, recurring subscription monitoring, one-time and multi-year digital certificate licenses, and bespoke enterprise contracts for credit risk, recovery, and fraud solutions. Distribution combines a self-serve e-commerce store (loja.spcbrasil.com.br), a consumer mobile app (SPC Consumidor), direct enterprise sales, a network of physical service points (Postos de Atendimento), and a strategic cross-database partnership with Serasa. The company is privately held, has no disclosed funding rounds or parent company, and does not publish revenue figures.

Name

SPC Brasil

Legal name

SPC Brasil

Website

https://spcbrasil.org.br

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

SPC Brasil is a Brazilian credit bureau and data intelligence platform managing 232 million individual registrations, offering CPF/CNPJ queries, credit monitoring (SPC Avisa), debt negotiation, and digital certification services to consumers and businesses.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI), Credit, Collections & Arrears Management (Dunning, Write-offs) (EUAJAHAE)

Keywords

• Credit bureau services
• Consumer credit data
• Debt recovery solutions
• Digital certificates
• Credit risk analysis

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Supply Chain

Revenue model

1. Credit and CNPJ/CPF Consultation Services: Transaction-based fees charged for individual credit consultations including CPF queries (from R$14.90), CNPJ queries, Score reports, and comprehensive business profiles. Customers purchase prepaid credits to access various consultation types.
2. Monitoring Subscription Services (SPC Avisa): Monthly subscription plans for CPF/CNPJ monitoring including email alerts (R$11.90/month), email+SMS alerts (R$21.90/month), and premium Plus plan (R$26.90/month) with additional protest and corporate participation data.
3. Digital Certificate Sales (e-CNPJ): One-time and subscription sales of digital certificates including e-CNPJ A1 (1 year), e-CNPJ A3 (1-3 years), and cloud-based SPC Móvel-ID solutions. Prices range from R$229.99 to R$489.99 depending on certificate type and validity period.
4. Enterprise Solutions and Debt Recovery Services: Customized commercial solutions for businesses including credit analysis, strategic debt collection, portfolio management, marketing data, and fraud prevention services, sold through direct commercial team engagement.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

SPC Brasil operates a credit bureau and data intelligence platform that processes and stores credit operations for Brazilian consumers and businesses, maintaining 232 million individual registrations. It monetizes its database through paid CPF and CNPJ queries, recurring credit monitoring subscriptions (SPC Avisa), online debt negotiation services (Negociar Dívida), and digital certificate issuance (e-CNPJ, Safe ID, SPC Móvel-ID). Enterprise customers additionally access credit analysis, fraud prevention, debt recovery, and customer portfolio management tools through direct commercial engagement.

Product overview

SPC Brasil operates as a comprehensive credit data and financial services platform in Brazil, offering a multi-product portfolio organized around its core credit bureau database of 232 million personal registrations. The platform is structured as a unified ecosystem combining: (1) consumer and business query services (Consulta CPF/CNPJ products) for credit assessment and risk analysis; (2) credit monitoring solutions (SPC Avisa family) for real-time alerts; (3) debt negotiation capabilities (Negociar Dívida platform); (4) digital certification services (e-CNPJ, Safe ID); and (5) business intelligence tools (Cadastro Positivo, Score solutions, Análise Cadastral, Cobrança e Recuperação). The products serve both individual consumers seeking to monitor their credit status and businesses requiring credit analysis, fraud prevention, and collection/recovery services. The company also offers the SPC Sistema portal for member businesses to access the full suite of services.

Differentiator

Problem solved

Functional benefit

Brands

• SPC Avisa: CPF and CNPJ monitoring service that alerts users when their documents are included, excluded, or changed in SPC Brasil's database.
• SPC Avisa Plus
• SPC Avisa E-mail
• SPC Avisa E-mail + SMS
• SPC Histórico Veicular
• Safe ID
• SPC Móvel-ID

Products and services

• Credit Consultation Services (CPF and CNPJ Queries) Tiered credit consultation services that retrieve credit data, restrictions, scores, partner/shareholder information, income and credit limit suggestions, and vehicle history for individuals and businesses. Used by both consumers (self-checking) and businesses (credit risk, supplier due diligence, partner verification) with prices ranging from R$14.90 to R$59.90 per query.
• SPC Avisa Monitoring Service Recurring CPF/CNPJ monitoring subscription that notifies users in real time when their documents are added, removed, or changed in SPC Brasil's database. Available in three plans: Email (R$11.90/month), Email + SMS (R$21.90/month), and Plus with protest, corporate participation, and legal action data (R$26.90/month).
• Negociar Dívida (Online Debt Negotiation Platform) Digital debt negotiation platform where individual consumers can negotiate outstanding debts with discounts of up to 99%, clear their names, and improve credit scores, including bonus SPC Avisa monitoring per installment paid. Targeted at Brazilian consumers with registered debts.
• Digital Certificates (e-CNPJ A1, e-CNPJ A3, SPC Móvel-ID, Safe ID) Digital certification products for electronic signatures and legal compliance, including e-CNPJ A1 (1-year validity, R$229.99+), e-CNPJ A3 (1-3 year validity on token/smart card), SPC Móvel-ID cloud-based certificate (1-5 year validity), and Safe ID shared-cloud multi-user certificate. Used by businesses for tax filings, electronic invoicing, and legal document signing.
• Análise de Crédito (Enterprise Credit Analysis) Enterprise credit analysis service that uses SPC Brasil's data intelligence to consult essential client information and reduce default risk. Sold via the commercial team for businesses of all sizes.
• Cobrança e Recuperação (Debt Collection and Recovery) Intelligent debt collection and recovery service using SPC Brasil's Collection Gauge and Registro Inteligente system to create segmentations, optimize collection channels, and recover up to 77% of debts within 30 days. Targeted at businesses seeking to reduce default rates.
• Análise Cadastral (Cadastral Analysis) Data intelligence service that supports the creation of mailing lists with complete and updated registration information, enabling personalized customer relationships, increased sales, and improved security. Used by businesses for marketing and customer acquisition.
• Cadastro Positivo (Positive Credit Registry) Positive credit registry service that provides businesses with payment history, consumption history, and credit behavior data to improve credit analysis and concession decisions. Uses Brazilian Cadastro Positivo framework.
• Soluções de Score (Score Solutions) Customizable credit scoring solutions including SPC Score leveraging Cadastro Positivo data, Recovery Score for collections prioritization, and tailored score models customized for specific business segments. Sold via commercial proposal.
• Gestão de Clientes e Crédito (Customer and Credit Portfolio Management) Real-time credit risk monitoring service that tracks client payment habits and notifies businesses via email when a CPF or CNPJ is updated, enabling proactive portfolio management for enterprise clients.
• Prevenção a Fraudes (Fraud Prevention) Fraud prevention solution leveraging SPC Brasil's credit data and CPF/CNPJ intelligence to protect businesses against fraudulent activities, identity misuse, and risky counterparties. Sold through enterprise commercial engagement.
• SPC Sistema (Member Business Portal) Authenticated web portal for SPC Brasil member businesses to access the full suite of services including credit consultations, debtor registration, and credit management operations. Available to member companies under contractual relationship.

Quantifiable outcome

• Up to 77% debt recovery in 30 days
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• SerasacoreTechnology or IntegrationStrategic partnership combining the two major Brazilian credit bureau databases. The 'Consulta de CPF SPC e Serasa' product provides unified access to both SPC Brasil and Serasa data through a single payment, enabling more comprehensive credit risk assessment for consumers and businesses.

Scale indicators5 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Equifax: Global credit bureau offering consumer and business credit reports, scoring, and analytics. Comparable to SPC Brasil in product category but with global scale and broader enterprise data offerings.
• TransUnion: Global credit bureau providing consumer credit reports, risk scores, and business information solutions. Comparable product set to SPC Brasil but operates globally with much larger scale.
• Experian: Global credit bureau parent of Serasa in Brazil. Operates a much broader portfolio of consumer credit, marketing data, and analytics services worldwide, of which SPC Brasil's offerings are a regional subset.

Emerging players

• idwall: Brazilian KYC and identity verification startup. Overlaps with SPC Brasil in CPF validation and identity data but focuses on digital onboarding and fraud prevention rather than full credit bureau services.
• ClearSale: Brazilian anti-fraud technology company offering e-commerce fraud prevention. Adjacent to SPC Brasil's Prevenção a Fraudes offering but specialized in transactional fraud rather than credit risk.
• CRIF: Italy-based credit information and business information group with operations in Latin America. Comparable credit bureau and scoring services, including emerging presence in Brazilian and regional markets.

Direct peers

• Boa Vista SCPC: Another major Brazilian credit bureau offering consumer and business credit reports, scoring, and debt recovery services. Competes directly with SPC Brasil in the same CPF/CNPJ query, monitoring, and collection categories.
• Quod: Brazilian credit bureau founded by major banks (Bradesco, Itaú, Santander, etc.) focused on credit reporting, scoring, and Cadastro Positivo data. Competes with SPC Brasil in enterprise credit data and risk analytics.
• Serasa Experian: Brazil's largest credit bureau and SPC Brasil's primary direct competitor. Both serve Brazilian consumers and businesses with CPF/CNPJ queries, credit scoring, and debt recovery; SPC Brasil even markets a unified SPC+Serasa product, underscoring the head-to-head overlap.

Regional players

• Certisign: Brazilian digital certificate authority offering e-CNPJ and e-CPF certificates. Directly comparable to SPC Brasil's Certificado Digital / e-CNPJ / Safe ID / Móvel-ID product lines in the Brazilian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/spcbrasil
• YouTubeyoutube.com/channel/UCKrUjvWkLRcll2WEpRQYfwA
• Facebookfacebook.com/SPCconsumidoroficial
• LinkedInlinkedin.com/company/spcbrasil
• Instagraminstagram.com/spc_consumidor

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 SPC Brasil