Via Capital

What Via Capital does

Via Capital is a Brazilian financial services firm that provides receivables anticipation (antecipação de recebíveis) and complementary working capital credit products to small and medium enterprises. Founded in 2011 in Belo Horizonte as Via Capital Fomento e Cobrança and rebranded to Via Capital Gestão de Ativos in 2016, the company operates through three CVM-regulated investment vehicles — Artemus FIDC (2016), Adamantus FIDC (October 2022), and Matramerus FIC FIM — that purchase receivables such as cheques, duplicatas, and contracts from SMEs. Its technology stack is a digital-first receivables anticipation platform with a proprietary credit algorithm used for risk screening, an online client portal for end-to-end onboarding, and a real-time simulation and rate disclosure tool. The company maintains a sales-led go-to-market with regional account managers organized across 20 Brazilian states.

Beyond core receivables anticipation, Via Capital offers Ciclo Via (short-term productive cycle loans), ViaMaq (machine and equipment financing for resellers and producers), and Operações Customizadas (bespoke credit solutions). Revenue is generated through two streams: (i) the desconto (discount) applied when receivables are acquired into the FIDC, with rates personalized by company profile and credit analysis and IOF-exempt, and (ii) management and consulting fees earned on the three FIDC/FIM funds. Minimum eligibility requires R$50,000 in monthly revenue and at least one year of operations, with no account opening fees and same-day disbursement after operation approval. The company is being acquired by Celcoin following Central Bank approval in February 2026, with a capital increase from $300,000 to $2.3 million authorized; leadership includes CEO Marcelo Costa M., Commercial Director Ademar Lara, and Credit Director and Economist Victor Cezarini.

The firm serves a long-tail SME base (2,000+ active clients in the most recent year, 3,000+ served since 2011) distributed across unrelated industries such as food, refrigeration, and automotive, with no disclosed revenue concentration in any single account. Its GTM is hybrid: a content-driven digital front end (Blog da Via, SEO, newsletter, social media) feeds a self-service onboarding flow, which is converted and supported by inside sales account managers across regional nuclei. Marketing emphasizes financial education, IOF exemption versus bank loans, and same-day payment as the primary functional differentiators.

Name

Via Capital

Legal name

Via Capital Gestão de Ativos S.A.

Website

https://grupoviacapital.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

251–500 employees

Short description

Via Capital is a Brazilian fintech providing receivables anticipation and working capital credit to small and medium enterprises across 20 states, operating through CVM-regulated FIDC fund structures and a proprietary credit algorithm. The firm was acquired by Celcoin in 2026.

Ownership category

akta.pro rank

Product category

SME Receivables Anticipation and Credit

NAICS

Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522), Sales Financing (522220), Trusts, Estates, and Agency Accounts (52592)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Asset-Backed Securities (6189), Finance Services (6199)

akta.pro primary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

akta.pro secondary industries

Invoice Factoring & Receivables Finance Brokerage (FSAEAEAO), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Distribution Support & Dealer Services (Commissions/Trails, Agreements, Data Feeds) (FSAAAMAJ)

Keywords

• Receivables anticipation
• SME working capital
• FIDC credit funds
• Business credit Brazil
• Digital lending platform

Headquarters

HQ city

Belo Horizonte

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. FIDC Management and Consulting: Via Capital acts as a specialized consultant for its three investment funds (Artemus FIDC, Adamantus FIDC, Matramerus FIC FIM), earning management and consulting fees for structuring and administering receivables-backed investment products.
2. Receivables Anticipation Transactions: Revenue generated through transaction fees (deságio/discount) charged when companies sell their future receivables (cheques, duplicatas, contracts) to Via Capital's FIDC for immediate cash. The discount rate is personalized based on company profile and credit analysis. No IOF is charged on operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Via Capital sells receivables anticipation (Antecipação de Recebíveis) services to Brazilian small and medium enterprises, allowing them to sell future receivables such as cheques, duplicatas, and contracts for immediate cash flow. Operations are funded through three regulated FIDC investment funds (Artemus, Adamantus, Matramerus) managed and consulted by Via Capital, with same-day payment, IOF exemption, and fully digital onboarding. Supplementary offerings include short-term productive cycle loans (Ciclo Via), equipment financing (ViaMaq), and customized credit operations.

Product overview

Via Capital is a Brazilian fintech that operates as a multi-product credit and financial services platform. The core offering is its Antecipação de Recebíveis (receivables anticipation) product, which enables companies to convert future receivables into immediate cash via its FIDC structure (Fundo de Investimento em Direitos Creditórios). The product portfolio is anchored by three named investment funds — Artemus FIDC, Adamantus FIDC, and Matramerus FIC FIM — through which receivables are purchased and administered. Supporting the core product are three financing modules: Ciclo Via (short-term productive cycle loan), ViaMaq (machine and equipment financing), and Operações Customizadas (custom credit operations). The platform offers a fully digital onboarding process, proprietary credit algorithm-based analysis, IOF-exempt operations, and same-day payment disbursement.

Differentiator

Problem solved

Functional benefit

Products and services

• Antecipação de Recebíveis (Receivables Anticipation) Core credit product enabling Brazilian SMEs to sell future receivables (cheques, duplicatas, invoices, contracts) to obtain immediate cash flow. Operates through Via Capital's FIDC structure with IOF exemption, same-day payment, fully digital onboarding, and personalized rates based on proprietary credit analysis. Targeted at small and medium enterprises with monthly revenue starting at R$50,000.
• Ciclo Via Short-term loan product designed to finance the client's productive cycle, providing working capital for SMEs that need to bridge cash flow gaps during their operational cycle.
• ViaMaq Financing product for companies that produce or resell machines and equipment, enabling the company to finance purchases made by its end customers.
• Operações Customizadas (Customized Credit Operations) Customized credit solutions tailored to specific client demands, offering bespoke financing structures for companies with unique or non-standard credit needs.
• Artemus FIDC Fundo de Investimento em Direitos Creditórios (receivables investment fund) created in 2016, investing in receivables across diverse economic sectors with senior and subordinate quota structures, managed with institutional partners including Ouro Preto Gestora (fund manager), Singulare (administrator/custodian), Audifactor (auditor), Austin/Liberum Rating (rating agencies), and Bradesco/Itaú (collecting banks).
• Adamantus FIDC Open-ended FIDC fund created in October 2022 as a complementary structure within the Via Capital Group, offering greater flexibility to investors while sharing the operating model of the Artemus FIDC. Operates with ID Serviços Financeiros as administrator and Santander as the collecting bank.
• Matramerus FIC FIM Multimarket fund (Fundo de Investimento em Cotas) structured by the Via Capital Group, offering individuals and legal entities the opportunity to seek above-CDI performance through allocation in FIDC investment quotas selected with Via Capital's specialized consulting.

Quantifiable outcome

• Same-day payment after operation approval
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature1 record

Partnerships

One partnership is on record.

• ANFIDC (Associação Nacional das Sociedades Fiduciárias)coreStrategic or Co-development PartnerVia Capital is a member of ANFIDC, the national association of fiduciary societies. Membership indicates compliance with CVM regulations and industry standards, and provides a network within the Brazilian FIDC and receivables market ecosystem.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@grupoviacapital
• Facebookfacebook.com/grupoviacapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

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 Via Capital