Multimarcas Consorcios
Multimarcas Consórcios is a Belo Horizonte-based, BCB-regulated consortium administrator offering interest-free group purchase plans for real estate, vehicles, motorcycles, heavy vehicles, and services to consumers and SMBs across Brazil via 200+ representatives and digital channels.
- Company typePrivate
- Founded1978
- HeadquartersBelo Horizonte, Brazil
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Multimarcas Consorcios does
Multimarcas Consórcios (legal name: Multimarcas Administradora de Consórcios LTDA) is a Belo Horizonte-based consortium administrator founded in 1978 and regulated by the Banco Central do Brasil under Lei nº 11.795/2008. The company administers five core consortium product lines — real estate, cars, motorcycles, heavy vehicles, and services (including travel, cosmetic surgery, dental, and education) — under which members make scheduled monthly contributions toward a credit letter that can be used to acquire the underlying asset either through monthly lottery or by submitting an embedded bid (lance). Revenue is generated primarily through the administration fee (taxa de administração) charged as a percentage of credit value across the lifetime of the plan, with ancillary contributions from reserve funds and optional insurance.
The company operates a hybrid direct-to-consumer go-to-market built on more than 200 authorized representatives spanning all Brazilian states, complemented by an e-commerce simulation and contracting platform, a customer portal (Portal do Consorciado), a partner portal (Portal do Representante), the "Meu Multimarcas" mobile app, and a YouTube channel that broadcasts monthly assemblies. The 2024 launch of Universidade Multimarcas, a digital education platform split into customer, representative, and employee schools, signals continued investment in ecosystem and channel enablement. The company is family-owned, led by President Fabiano Lopes Ferreira with sons Fernando Lamounier and Magnum Lamounier in executive roles, and has earned industry recognition including 1st place in Participation and 2nd place in Operational Practices at ABAC's CONAC 2023.
Multimarcas Consorcios firmographics
Firmographics- Name
- Multimarcas Consorcios
- Legal name
- Multimarcas Administradora de Consórcios LTDA
- Website
- https://multimarcasconsorcios.com.br
- Company type
- Private
- Founded year
- 1978
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Multimarcas Consórcios is a Belo Horizonte-based, BCB-regulated consortium administrator offering interest-free group purchase plans for real estate, vehicles, motorcycles, heavy vehicles, and services to consumers and SMBs across Brazil via 200+ representatives and digital channels.
- Ownership category
- akta.pro rank
Multimarcas Consorcios industry classification
Industry- Product category
- Consortium Administration Services
- NAICS
- Other Financial Vehicles (52599), Trusts, Estates, and Agency Accounts (52592)
- SIC
- Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Group Travel Payments & Billing (Central Billing, Virtual Cards) (THACAFAK)
Keywords
Where Multimarcas Consorcios is headquartered
LocationHeadquarters
- HQ city
- Belo Horizonte
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Multimarcas Consorcios business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Consortium Administration Fees (Taxa de Administração): The company generates revenue through the administration fee (taxa de administração) charged to consortium participants. This is a percentage of the credit value, diluted across monthly installments. Additionally, there may be Fundo de Reserva (reserve fund) and optional insurance components that contribute to revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Custom consortium plans based on credit value and term |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Multimarcas Consorcios product offering
Product offeringCore offering
Multimarcas Consórcios administers Brazilian consortium plans (interest-free group savings arrangements) for real estate, cars, motorcycles, heavy vehicles, and services, issuing credit letters that participants receive through scheduled monthly contributions and either lottery-based or bid-based contemplation. The company charges a recurring administration fee (taxa de administração) on the credit value, plus optional reserve fund and insurance components, and distributes its plans through a 200+ representative network and a suite of digital self-service channels.
Product overview
Multimarcas Consórcios operates as a consortium administration company offering multiple product lines: five core consortium types (real estate, vehicles/cars, motorcycles, heavy vehicles, and services), supported by digital platforms including an e-commerce site, customer portal, representative portal, and mobile app. The company also provides educational resources through Universidade Multimarcas. The portfolio includes both consumer-facing consortium products and internal management tools for sales representatives and customer service.
Differentiator
Problem solved
Functional benefit
Products and services
- Consórcio de Imóveis Real estate consortium service allowing participants to purchase homes, apartments, land, or commercial properties through a group savings plan without interest charges, with FGTS usable for bids and amortization.
- Consórcio de Carros Vehicle consortium service for purchasing new or used cars through monthly contributions and credit letters, without traditional financing interest.
- Consórcio de Motos Motorcycle consortium service for acquiring new or used motorcycles through planned group contributions and credit letters.
- Consórcio de Veículos Pesados Heavy vehicle consortium service for purchasing trucks, buses, and commercial heavy vehicles through the group savings system.
- Consórcio de Serviços Services consortium for financing travel, cosmetic surgeries, dental treatments, graduations, and specialization courses through consortium credit letters.
- Universidade Multimarcas Digital educational platform with three schools (Learning for customers, Academy for sales representatives, and Talent for employees) providing financial education and consortium training.
- App Meu Multimarcas Consórcios Mobile application enabling consortium participants to consult assembly results, register bids, track balances, and access contemplation history.
Quantifiable outcome
- Savings of R$60,000+ compared to traditional financing for equivalent credit values
- +1 more outcomes
Companies that use Multimarcas Consorcios
Customer profileNamed customers7 records
Segments1 record
Ideal customer profiles3 records
Multimarcas Consorcios technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Multimarcas Consorcios partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Banco Central do BrasilcoreMultimarcas Consórcios is authorized and regulated by the Banco Central do Brasil to operate as a consortium administrator. The BCB supervises and regulates all consortium operations ensuring consumer protection and market transparency.
- ABAC (Associação Brasileira de Administradoras de Consórcios)coreMultimarcas Consórcios is an associate member of ABAC, the Brazilian Association of Consortium Administrators. ABAC represents and supports consortium administrators and promotes the consortium system in Brazil.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
Multimarcas Consorcios competitors and assessment
Company assessmentBroad incumbents
- Banco do Brasil Consórcios: Consortium division of Banco do Brasil offering vehicle, real estate, and rural consortium plans distributed through Brazil's largest public bank branch network. Competes with Multimarcas nationwide, especially in government employee segments.
- Itaú Consórcios: Consortium business of Itaú Unibanco, one of Brazil's largest private banks. Offers vehicle and real estate consortium plans with bundled banking products, competing with Multimarcas' asset-backed consortium portfolio.
- Bradesco Consórcios: Consortium arm of Bradesco, one of Brazil's largest banks, offering vehicle, real estate, and rural consortium plans. Competes with Multimarcas but distributes through the bank's extensive branch and digital infrastructure, giving it broader distribution and cross-sell capability.
- Caixa Econômica Federal Consórcios: Consortium arm of Caixa Econômica Federal, a major Brazilian public bank with extensive reach. Competes with Multimarcas particularly in real estate consortium, leveraging FGTS integration as a structural advantage.
Others
- ABAC (Associação Brasileira de Administradoras de Consórcios): Industry association representing Brazilian consortium administrators of which Multimarcas is a member. Not a competitor but the key industry body setting operational standards and convening the CONAC congress where Multimarcas earned recognition.
Direct peers
- Zaffari Consórcios: Independent Brazilian consortium administrator with vehicle and real estate offerings. Comparable to Multimarcas in scale, product mix, and focus on the consumer/SMB buyer across Brazil's regional markets.
- Unifisa Consórcios: Independent Brazilian consortium administrator offering vehicle and real estate plans. Competes directly with Multimarcas in the SMB and individual buyer segment with similar product and channel strategies.
- Rodobens Consórcios: Brazilian consortium administrator with strong presence in vehicle and heavy vehicle consortium, particularly for trucks and commercial fleets. Comparable to Multimarcas' heavy vehicle vertical and serves similar SMB fleet expansion use cases.
- Embracon Consórcios: One of the largest independent consortium administrators in Brazil, offering vehicle, real estate, motorcycle, and service consortium plans. Directly comparable to Multimarcas in product breadth, independent (non-bank) ownership structure, and multi-channel distribution model.
- Porto Seguro Consórcios: Insurance and consortium group offering vehicle and real estate consortium plans through agent and digital channels. Comparable to Multimarcas in mid-market vehicle focus and reliance on distributed sales channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks1 record
Key highlights7 records
Customer concentration
Multimarcas Consorcios social profiles
Digital presenceMultimarcas Consorcios compliance and trust
Trust signalCompliance2 records
Multimarcas Consorcios financial estimates
Financial estimateRevenue estimate
Valuation estimate
Multimarcas Consorcios leadership team
Management profileNumber of profiles
Profiles3 records
Multimarcas Consorcios funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Multimarcas Consorcios 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 Multimarcas Consorcios
What does Multimarcas Consorcios do?
Multimarcas Consórcios administers Brazilian consortium plans (interest-free group savings arrangements) for real estate, cars, motorcycles, heavy vehicles, and services, issuing credit letters that participants receive through scheduled monthly contributions and either lottery-based or bid-based contemplation. The company charges a recurring administration fee (taxa de administração) on the credit value, plus optional reserve fund and insurance components, and distributes its plans through a 200+ representative network and a suite of digital self-service channels.
Is Multimarcas Consorcios a public or private company?
Multimarcas Consorcios is a private company. It is classified as family owned and is currently operating.
When was Multimarcas Consorcios founded?
Multimarcas Consorcios was founded in 1978. It employs 101 to 250 people.
Where is Multimarcas Consorcios based?
Multimarcas Consorcios is headquartered in Belo Horizonte, Brazil, in the Latin America region.
How does Multimarcas Consorcios make money?
One revenue line is on record: consortium Administration Fees (Taxa de Administração).
Who are Multimarcas Consorcios's main competitors?
Broad incumbents on record are Banco do Brasil Consórcios, Itaú Consórcios, Bradesco Consórcios and Caixa Econômica Federal Consórcios. ABAC (Associação Brasileira de Administradoras de Consórcios) is listed as an others. Direct peers are Zaffari Consórcios, Unifisa Consórcios, Rodobens Consórcios, Embracon Consórcios and Porto Seguro Consórcios.
Does Multimarcas Consorcios have an API?
No public API is recorded for Multimarcas Consorcios.
What industry is Multimarcas Consorcios in?
Multimarcas Consorcios's product category is Consortium Administration Services. Its primary akta.pro industry code is THACAFAK, Group Travel Payments & Billing (Central Billing, Virtual Cards). Its NAICS code is 52599 and its SIC code is 6141.