Consorcio Nacional Unifisa

What Consorcio Nacional Unifisa does

Consorcio Nacional Unifisa, operating as UNIFISA ADMINISTRADORA NACIONAL DE CONSÓRCIOS LTDA, is a Brazilian consortium administrator founded in 1995 by Eduardo Figueiredo Augusto and Luiz Fernando Savian. The company administers interest-free planned-purchase consortiums across ten asset categories — automobiles, real estate, motorcycles, trucks, nautical vessels, off-road vehicles, agricultural equipment, industrial machines, musical instruments, services (medical, weddings, education, travel), franchises, and home renovation — with plan durations ranging from 80 to 200 months. Unifisa is authorized and supervised by the Banco Central do Brasil and is a member of ABAC. It claims over 150,000 historical participants, R$1.3 billion+ in cumulative credits delivered, 29 offices, 350+ points of sale across all 27 Brazilian states, and 800+ employees. The company is part of Grupo Unifisa, alongside wholly-owned subsidiaries Unifisa Seguros (insurance) and Fisa Locadora (vehicle rental).

Revenue is generated primarily through administration fees (Taxa de Administração) of roughly 1.6% per year on automobile plans and 0.077–0.13% per month on real-estate and truck plans, with no interest charged on installments — the structural value proposition versus Brazilian bank financing at up to 21.75% annual interest. Distribution combines a 350+ authorized-representative network, an in-house inside-sales team, an online simulator and WhatsApp/Blip chatbot for self-service lead capture, a mobile app (iOS/Android) and customer self-service portal (Meu Consórcio) for existing participants, strategic OEM and dealer channel partnerships (ABRAHY/Hyundai, Yamaha, AIMA, Hitech Electric, Solar Total, AllMáquinas, Mason), and the UniClube benefits program (5,000+ partner establishments) as a retention layer. Core technology is a digital consortium-management platform spanning the AutoAtendimento web portal, the mobile app, the Blip AI chatbot, and online simulation tools — none proprietary-AI, all commercially available or third-party-integrated.

Name

Consorcio Nacional Unifisa

Legal name

UNIFISA ADMINISTRADORA NACIONAL DE CONSÓRCIOS LTDA

Website

https://unifisa.com.br

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Consorcio Nacional Unifisa is a Brazilian Banco Central-supervised consortium administrator offering interest-free planned-purchase plans across 10 asset categories to individuals and SMBs, distributing through 350+ points of sale and digital channels nationwide.

Ownership category

akta.pro rank

Product category

Consortium Administration (Group-Savings Financing)

NAICS

Finance and Insurance (52)

SIC

Finance Lessors (6172)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Consortium administration
• Interest-free financing
• Vehicle consortium plans
• Real estate consortium
• Brazilian consórcios

Headquarters

HQ city

Santana De Parnaíba

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Administration Fee (Taxa de Administração): Unifisa earns revenue through a small administration fee charged on consortium plans. For automobile plans the annual administrative rate is approximately 1.6% per year. For real estate, monthly rate of 0.077% after 4% advance for Alpha Plus special plans. For trucks/motorcycles, monthly rate of 0.13% after 4% advance. No interest is charged on consortium installments.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels10 records

Core offering

Consórcio Nacional Unifisa administers interest-free group-savings consortium plans (consórcios) for Brazilian consumers and businesses, covering 10 asset categories: automobiles, real estate, motorcycles, trucks, services (surgery, weddings, travel, education), nautical vessels, off-road vehicles, agricultural machinery, industrial equipment, and musical instruments. Customers pay fixed monthly installments (with a small administration fee, reserve fund, and life insurance) until they are allocated (contemplated) via bid or draw, then use the credit to purchase the chosen asset from any supplier.

Product overview

Consórcio Nacional Unifisa operates as a consortium administrator offering a diversified portfolio of 10 distinct core consortium products for acquiring vehicles, real estate, motorcycles, trucks, services, nautical vessels, off-road vehicles, agricultural equipment, machinery, and musical instruments. The company provides these products through multiple channels including an online simulator, a customer self-service portal (Meu Consórcio), and a mobile application. Additional services include the UniClube benefits program and TV Unifisa educational content platform. The consortium operates under strict regulation by Brazil's Central Bank (Banco Central do Brasil) and is affiliated with ABAC (Associação Brasileira de Administradoras de Consórcios), offering plans with terms ranging from 80 to 200 months without interest charges.

Differentiator

Problem solved

Functional benefit

Brands

• Uniclube: Exclusive customer benefits club offering real discounts at over 5,000 partner establishments for clients who maintain timely payments, with discounts of up to 60%.
• UniCash 10

Quantifiable outcome

• Savings of approximately 16% total administrative rate vs. 21.75% annual interest on traditional vehicle financing (120-month auto plan at 1.6% annual admin rate)
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Twelve partnerships are on record, tiered minor and core.

• ABRAHYminorChannel Partner/ Reseller/ DistributorABRAHY is the Association of Hyundai Dealers and official representative of CAOA/HMB concessionaires, with approximately 300 sales points across Brazil. Through the partnership, ABRAHY offers Unifisa's vehicle consortium plans alongside Hyundai vehicle sales.
• Euro17minorStrategic or Co-development PartnerEuro17 offers personal credit and financing solutions for movable and real estate assets, with 30 years of experience. The partnership enables integrated financial product offerings alongside Unifisa's consortium plans.
• Consórcio Nacional YamahaminorChannel Partner/ Reseller/ DistributorPartnership with Yamaha for musical instrument consortium plans. Leverages Yamaha's brand reputation and distribution network for co-branded consortium offerings.
• Consórcio Nacional AllMáquinasminorChannel Partner/ Reseller/ DistributorAllMáquinas provides a wide range of operating machines from major international manufacturers. The partnership enables industrial and commercial equipment consortium sales through Unifisa.
• Consórcio Nacional MasonminorChannel Partner/ Reseller/ DistributorMason Holdings is the official distributor of Dynapac, Clark, Titan, and Komatsu products in Minas Gerais, and Bobcat/Titan in São Paulo. Partnership enables equipment consortium sales.
• AIMAminorChannel Partner/ Reseller/ DistributorAIMA is a global leader in electric mobility with 8 production plants, serving Brazil, Europe, and Southeast Asia. Partnership enables electric motorcycle and mobility consortium products.
• Hitech ElectricminorChannel Partner/ Reseller/ DistributorHitech Electric is a manufacturer of electric trucks and electro-mobility solutions with headquarters and factory in Paraná, Brazil. Partnership enables electric truck consortium products.
• Solar TotalminorChannel Partner/ Reseller/ DistributorSolar Total specializes in photovoltaic solar energy system projects including design, feasibility, sales, installation, and maintenance. Partnership enables solar panel acquisition through consortium.
• ABTSminorChannel Partner/ Reseller/ DistributorABTS is an entity specializing in employee benefits management for municipal, state, and federal public servants with more than 27,000 associates. Partnership enables group benefits and insurance products.
• IturanminorChannel Partner/ Reseller/ DistributorIturan is a global leader in vehicle monitoring and tracking since 1995, providing protection against theft for vehicles, cargo, and fleets. Partnership offers vehicle tracking/security services to Unifisa consortium customers.
• Banco Central do BrasilcoreOthersBanco Central do Brasil is the regulatory authority for the Brazilian consortium system (Sistema de Consórcios). It acts as the norm-setting and supervisory body for consortium administration activities. Unifisa is authorized and supervised by Banco Central.
• ABAC (Associação Brasileira das Administradoras de Consórcios)coreOthersABAC is the Brazilian Association of Consortium Administrators, representing and regulating the consortium industry. Unifisa is a member of ABAC, aligning with industry standards, best practices, and educational resources (cartilhas).

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Embracon: One of the largest independent consortium administrators in Brazil, offering automobile, real estate, motorcycle, truck, and service consortium plans nationwide. Closely comparable to Unifisa in business model, product breadth, and target customer base, with similar reliance on a representative network and Banco Central authorization.
• Rodobens Consórcio: Independent Brazilian consortium administrator with a strong vehicle and truck focus, plus real estate and service lines. Directly comparable to Unifisa on product mix, target segments (transport, fleet, individuals), and reliance on a multi-state representative network.
• Zema Consórcios: Brazilian consortium administrator specializing in vehicles, motorcycles, trucks, and agricultural equipment. Closely comparable to Unifisa's vehicle/equipment-heavy mix and independent operating model, with similar reliance on Banco Central authorization and a multi-state rep network.

Broad incumbents

• Bradesco Consórcios: Consortium arm of Banco Bradesco, one of Brazil's largest private banks. Competes directly with Unifisa across vehicle and real estate consortium categories but benefits from cross-sell to Bradesco's existing deposit and lending customers and from lower funding costs.
• Itaú Consórcios: Consortium business of Itaú Unibanco, offering automobile, real estate, and other asset consortium plans. Overlaps with Unifisa on product and customer but operates as part of a much larger banking platform with brand and capital advantages.
• Porto Seguro Consórcios: Consortium arm of Porto Seguro, the Brazilian insurance and financial services conglomerate. Offers vehicle, real estate, and service consortium products with cross-sell from insurance and banking, comparable to Unifisa's diversification across consortium, insurance (Unifisa Seguros), and rental.
• Banco do Brasil Consórcios: Consortium business of Banco do Brasil (state-controlled bank). Competes with Unifisa on vehicle, real estate, and rural/agricultural consortium, with particular strength in agro (overlapping Unifisa's Consórcio Agro) due to its rural lending franchise.
• Caixa Econômica Federal: State-owned bank offering consortium plans alongside its large mortgage and FGTS operations. Overlaps with Unifisa on real estate consortium and on FGTS-eligible housing purchases, but operates at much larger scale with government-backed distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/unifisa
• YouTubeyoutube.com/consorciounifisa
• Facebookfacebook.com/Unifisa
• LinkedInlinkedin.com/company/unifisa
• Instagraminstagram.com/consorcionacionalunifisa

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 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 Consorcio Nacional Unifisa