Carbon Capital
- Company typePrivate
- Founded2022
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingServices
Carbon Capital firmographics
Firmographics- Name
- Carbon Capital
- Legal name
- Carbon Capital
- Website
- https://carboncapital.com.br
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Where Carbon Capital is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Carbon Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain
Revenue model
- Credit Operations: Revenue generated from interest and fees on credit extended through Carbon Consig (payroll loans), Risco-Sacado (accounts receivable), and working capital financing. The company originates credit operations and structures funding through proprietary funds and third-party investment vehicles.
- Financial Services Fees: Fees from providing integrated financial solutions including trade finance, supply chain finance structuring, and financial advisory services to partner companies.
- Carbon Pag (FGTS-based Payments): Revenue from facilitating retail payments using the worker severance fund (FGTS) system, enabling merchants to accept this payment method and potentially extending credit against future FGTS withdrawals.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Carbon Capital product offering
Product offeringCore offering
Carbon Capital is a Brazilian digital credit and financial services company that provides an integrated suite of B2B credit products to partner companies. Its core offerings include private payroll deduction loans (Carbon Consig) for employees, buyer-centric supply chain finance (Risco-Sacado) with D+0 supplier settlement, FGTS-based retail payments (Carbon Pag), working capital financing, and trade finance. All products are delivered through a proprietary digital platform with API integrations to client HRM and ERP systems, positioning the firm as an external financial arm for partner businesses.
Product overview
Carbon Capital is a Brazilian digital credit and financial services company offering an integrated suite of credit solutions targeting corporate clients and their employees. The product portfolio centers on four core offerings: (1) Carbon Consig — a private payroll deduction loan (empréstimo consignado) for CLT employees offered as an employer benefit at no cost to the company; (2) Risco-Sacado — a buyer-centric supply chain finance platform enabling extended payment terms to suppliers with D+0 early settlement for suppliers without recourse; (3) Carbon Pag — a FGTS-based payment solution allowing retail workers to use their birthday FGTS withdrawal for purchases at partner stores; and (4) Capital de Giro + Trade Finance — working capital and international trade financing for operational needs. All products operate on a proprietary digital platform with API-based integrations to client ERP and HRM systems, positioning Carbon Capital as an external financial arm for partner companies throughout their credit lifecycle.
Differentiator
Problem solved
Functional benefit
Brands
- Carbon Consig: Private payroll deduction loan product offered to employees under CLT employment regime, providing credit without SPC/SERASA queries
- Carbon Pag
- Risco-Sacado
Products and services
- Carbon Consig A private payroll deduction loan (empréstimo consignado privado) product offered by Carbon Capital as an employee benefit. Enables Brazilian companies to provide credit to their CLT-hired employees with preferential rates, risk analysis, and terms, with payments deducted directly from salary. Implemented at no cost to the employer and requires no counterparty concessions. Includes a multi-bank environment where employees can choose from multiple lending institutions.
- Risco-Sacado A buyer-centric supply chain finance solution where the anchor buyer extends payment terms to suppliers without consuming bank credit lines. Suppliers can receive early payment (D+0) without recourse, improving liquidity while the buyer preserves bank credit capacity. The operation is fully digital with API integration to buyer and supplier ERP systems, supports company branding, and connects via API, spreadsheets, CNAB, or database connections.
- Carbon Pag A payment solution based on the FGTS (Fundo de Garantia do Tempo de Serviço) Saque Aniversário (Birthday Withdrawal) mechanism. Allows workers to use their FGTS funds to make purchases at partner retail stores, enabling retailers to boost sales, increase average ticket size, and build customer loyalty.
- Capital de Giro Working capital financing solutions tailored to companies' operational needs. The Carbon Capital team works closely with businesses to finance inventory, accounts receivable, or operational expenses, providing customized financial support.
- Trade Finance International trade financing services covering payment guarantees, import financing, and export financing. Provides agile and flexible solutions for companies engaged in cross-border commerce, delivered by a specialized team.
Companies that use Carbon Capital
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Carbon Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Carbon Capital partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights5 records
Carbon Capital competitors and assessment
Company assessmentDirect peers
- Letsbank: Brazilian payroll-loan and credit marketplace that connects employees of partner companies to multiple lenders. Direct comparator to Carbon Consig, with a similar open/multi-bank architecture targeting employers as distribution partners.
- Caju: Brazilian employee-benefits and salary-on-demand platform offered to employers. Comparable to Carbon Capital's employee-credit value proposition, though Caju is broader in benefits categories and also bundles meal/transport benefits.
- FinanZero: Brazilian loan-broker marketplace aggregating multiple lenders for consumer and small-business credit. Comparable to Carbon Capital's intermediation/multi-bank distribution model, though B2C rather than employer-anchored.
- Creditas: Brazilian consumer and secured-credit platform that originated as a home/auto-collateral lender and has expanded into payroll loans and supply-chain-style products. Comparable as a Brazilian credit fintech with multi-product ambition, though more mature and better capitalized.
- Just: Brazilian consumer credit marketplace aggregating multiple lenders. Comparable to Carbon's intermediation/distribution role, though focused on B2C credit rather than employer-anchored payroll lending.
- Kanastra: Brazilian private credit and securitization infrastructure platform operating in the receivables/capital-markets space. Comparable to Carbon Capital's Risco-Sacado value proposition of bringing receivables financing through capital-markets structures.
- Geru: Brazilian online lending platform originating consumer credit and selling portfolios. Comparable as a Brazilian digital-credit fintech, though consumer-direct rather than B2B-anchored like Carbon.
Broad incumbents
- Banco Inter: Brazilian digital bank offering payroll loans, working capital, and supply-chain solutions within a full-stack banking relationship. Comparable as a competitor across Carbon's product set, with materially more funding capacity and brand.
- C6 Bank: Brazilian digital bank offering payroll loans, business credit, and payments to companies and employees. Comparable as a broader incumbent entering employer-anchored credit and benefits, with significantly more capital and customer base.
- Nubank: Brazil's largest digital bank, increasingly active in payroll lending, personal credit, and B2B offerings. Comparable as the ultimate scale competitor in Brazilian digital credit, with a vastly larger customer base and capital base than Carbon Capital.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
Carbon Capital social profiles
Digital presenceCarbon Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Carbon Capital leadership team
Management profileNumber of profiles
Profiles3 records
Carbon Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Carbon Capital M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Carbon Capital
What does Carbon Capital do?
Carbon Capital is a Brazilian digital credit and financial services company that provides an integrated suite of B2B credit products to partner companies. Its core offerings include private payroll deduction loans (Carbon Consig) for employees, buyer-centric supply chain finance (Risco-Sacado) with D+0 supplier settlement, FGTS-based retail payments (Carbon Pag), working capital financing, and trade finance. All products are delivered through a proprietary digital platform with API integrations to client HRM and ERP systems, positioning the firm as an external financial arm for partner businesses.
Is Carbon Capital a public or private company?
Carbon Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Carbon Capital founded?
Carbon Capital was founded in 2022. It employs 51 to 100 people.
Where is Carbon Capital based?
Carbon Capital is headquartered in São Paulo, Brazil, in the Latin America region.
How does Carbon Capital make money?
Three revenue lines are on record. Credit Operations are the primary driver. The others are financial Services Fees and carbon Pag (FGTS-based Payments).
Who are Carbon Capital's main competitors?
Direct peers on record are Letsbank, Caju, FinanZero, Creditas, Just, Kanastra and Geru. Broad incumbents are Banco Inter, C6 Bank and Nubank.
Does Carbon Capital have an API?
Yes. Carbon Capital offers APIs for integration with ERP systems of clients (sacados). The platform supports integration via multiple methods: API, spreadsheets, CNAB (Brazilian standard for electronic bank transfers), and database connections. For Carbon Consig product specifically, open APIs are available for integration with major national payroll management systems (HRM systems). The APIs allow data exchange including accounts payable classifications.