ROOFTOP

What ROOFTOP does

Rooftop Tecnologia de Ativos S.A. is a São Paulo-based fintech-real estate company founded in 2020 by Daniel Gava and Neder Izaac that specializes in resolving distressed Brazilian residential properties — what the company calls "imóveis sob pressão" (properties under financial or legal pressure). Its flagship product, HomeCash, purchases high-standard residential properties (R$1M–R$7M, located in cities above 200k inhabitants) at a discount, provides the owner with up to 60% of the property value in immediate capital, allows the owner to remain in the home, and offers a buyback option within 18 months. The platform integrates legal and financial engineering to clear condominium arrears, IPTU debt, fiduciary liens, judicial blocks, and pre-auction risk; an AI-driven pipeline reportedly compresses execution time from 60 days to 16 days (73% faster than conventional methods).

Rooftop's business model combines a transaction-based revenue stream (spread between acquisition cost and restructured asset value) with franchise/royalty income from its CashPlanner microfranchise network and capital deployment through three B3-listed Real Estate Investment Funds (FII Rooftop I/ROOF11, FII Rooftop II, FII Rooftop III/HOMS11). Distribution is digital-first (website simulation, WhatsApp contact, calculator tool) augmented by CashPlanner franchisees, who originate deals via local networks and earn commissions at each operational stage. Capital partners include Banco BTG Pactual (R$120M+ committed via a 2022 strategic partnership), Galápagos Capital (fund manager of HOMS11), and Mercado Bitcoin (retail distribution of HOMS11). In February 2026, Rooftop expanded into the NPL (non-performing loans) market by winning a judicial auction for a R$400M face-value distressed credit portfolio from Banco Pontual, beating Enforce/BTG Pactual and ASA Investments/Banco Safra.

The company is positioned as the category creator for distressed residential real estate liquidity in Brazil, with 1,000+ clients per month, 7,000+ properties evaluated, R$3B+ in proposals processed, and 170% year-over-year growth (2025–2026). Its primary customer segment is high-net-worth individuals whose residential assets are blocked from traditional credit or sale channels; secondary segments include CashPlanner franchisees, institutional and retail investors in its FIIs, and the NPL distressed credit segment. Rooftop joined the Brazilian Franchising Association (ABF) in 2025 as the only franchise serving the distressed-property niche.

Name

ROOFTOP

Legal name

ROOFTOP TECNOLOGIA DE ATIVOS S.A

Website

https://rooftop.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Rooftop is a Brazilian fintech-real estate platform offering HomeCash, an immediate-liquidity solution for owners of high-value distressed residential properties. It combines AI-driven due diligence, B3-listed investment funds, and a CashPlanner microfranchise network to acquire, restructure, and resell blocked assets.

Ownership category

akta.pro rank

Product category

Distressed Real Estate Liquidity Services

NAICS

New Housing For-Sale Builders (236117)

SIC

Real Estate Dealers (For Their Own Account) (6532)

akta.pro primary industry

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)

Keywords

• Distressed real estate
• Property liquidity solutions
• Residential asset purchase
• Real estate investment funds
• Microfranchise origination

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. HomeCash Transaction Revenue: Rooftop generates revenue by purchasing distressed residential properties (imóveis sob pressão) through the HomeCash solution, restructuring them, and either holding, reselling, or returning them to owners via buyback arrangements. The company captures value through the spread between acquisition cost and restructured asset value, and through financing arrangements associated with the properties. Three B3-listed Real Estate Investment Funds (FII Rooftop I ROOF11, FII Rooftop II, FII Rooftop III HOMS11) support the capital structure.
2. Franchise Fees and Royalty Income: Rooftop Franquias charges franchise fees to CashPlanner microfranquia operators who originate HomeCash deals. The franqueados pay franchise fees and earn commissions at each stage of the operation, while Rooftop retains margin from the structured transactions. The payback period for franchisees is estimated at 3 months.
3. NPL Portfolio Management: Rooftop entered the NPL (Non-Performing Loans) market through the acquisition of a distressed loan portfolio from a liquidated bank, valued at nearly R$400 million face value. This expands the company's revenue base into credit portfolio management and resolution services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Rooftop's HomeCash solution purchases distressed high-standard residential properties (R$1–7M valuation) directly from owners facing financial or legal pressure, providing up to 60% of property value as immediate capital without requiring credit analysis or income documentation. Owners can remain in the property and retain a buyback option within 18 months, while Rooftop uses AI-driven legal-financial due diligence to resolve debts, judicial blocks, and pre-auction risk and ultimately resells or returns the asset.

Differentiator

Problem solved

Functional benefit

Brands

• HomeCash: Primary product solution that provides immediate liquidity for properties under pressure, allowing owners to access capital without selling their homes, with option to repurchase within 18 months.
• CashPlanner

Products and services

• HomeCash Distressed residential property liquidity solution that purchases high-standard residential properties (R$1M–R$7M) under financial or legal pressure, providing owners up to 60% of property value as immediate capital without credit analysis or income documentation, with option to remain in the home and repurchase within 18 months.
• CashPlanner Microfranchise

Quantifiable outcome

• 73% faster operational processing with AI-driven pipeline
• +6 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core, supporting and minor.

• Mercado BitcoincoreChannel Partner/ Reseller/ Distributor · 1 July 2024Mercado Bitcoin serves as the Distribuidor (distributor) of FII Rooftop III (HOMS11), leveraging its platform to make the fund available to retail and institutional investors. This distribution partnership enables broad access to the HomeCash-linked investment product.
• Tauil & ChequersupportingImplementation/ SI/ Consulting PartnerTauil & Chequer serves as the Assessor Legal (legal advisor) for FII Rooftop III, providing legal counsel for the fund's structuring and compliance with ANBIMA and CVM regulations.
• FreitasLeitesupportingImplementation/ SI/ Consulting PartnerFreitasLeite serves as the Assessor Legal (legal advisor) for FII Rooftop II, providing legal structuring and compliance advisory for the fund's operations in the acquisition, regularization, and sale of alternative real estate assets.
• Enforce GroupminorImplementation/ SI/ Consulting PartnerEnforce Group partnered with Rooftop as co-consultant for FII Rooftop II alongside BTG Pactual, providing operational expertise in the acquisition, evaluation, and sale of alternative real estate assets.
• Negrão Ferrari Advogados (NFA)supportingImplementation/ SI/ Consulting PartnerNegrão Ferrari Advogados serves as the legal counsel for Rooftop Propriedades Digitais SPE S.A., the Special Purpose Entity (SPE) that acts as issuer structuring receivables continuously renewed based on HomeCash operations, under ICVM 88 regulation.

Scale indicators13 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Hometap: US-based home equity unlock company offering homeowners immediate cash in exchange for a share of future home value, with a buyback option. Closest international analog to Rooftop's HomeCash model — same liquidity-without-selling premise, same homeowner-stays-in-place mechanic.
• EasyKnock: US sale-leaseback platform that buys homes from owners, lets them stay as renters, and offers a buyback path. Operationally and structurally aligned with HomeCash — both purchase distressed residential assets and provide structured repurchase windows.
• Point (now Hometap competitor, branded as Point): Home equity investment company that provides lump-sum cash in exchange for a share of the home's future appreciation. Directly comparable to Rooftop's liquidity-for-equity model with similar target customers and underwriting logic.
• Figure Technologies: Figure (which acquired Unlock) uses blockchain and AI to originate home equity loans and HELOCs at speed. Comparable to Rooftop on technology-driven efficiency gains in residential real estate finance, even though Figure is loan-based rather than purchase-based.

Broad incumbents

• QuintoAndar: Brazil's largest residential rental and real estate transaction platform, featured on Rooftop's own site as a partner brand. Overlaps with Rooftop on Brazilian residential real estate customers but operates a broader horizontal marketplace rather than the distressed-property niche.
• Itaú Unibanco: Brazil's largest private bank and dominant provider of Home Equity products that HomeCash is explicitly priced against. Itaú sets the incumbent benchmark Rooftop undercuts by 30%; its distribution scale and cost of capital represent the structural ceiling on Rooftop's pricing power.
• Loft: Brazilian proptech that buys, renovates, and resells residential properties using technology-driven pricing and operations. Comparable to Rooftop in tech-enabled residential property transactions in Brazil, but focuses on standard buy-renovate-sell rather than distressed-property liquidity.

Others

• ZAP Imóveis: Brazil's leading real estate classifieds portal, featured on Rooftop's site as a partner brand. Functions as a distribution and price-discovery layer adjacent to Rooftop's property portfolio and listing needs rather than a direct liquidity competitor.
• Enforce Group: Brazilian distressed-credit and NPL resolution firm that partnered with Rooftop on FII Rooftop II and competed against Rooftop in the Banco Pontual NPL auction. Operates in the same distressed-asset space but as an institutional credit manager rather than a homeowner-facing liquidity provider.

Emerging players

• EmCasa: Brazilian proptech focused on residential brokerage with technology-enabled listing, pricing, and transaction support. Adjacent to Rooftop's Brazilian residential real estate target market, with partial overlap on higher-value urban properties.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@rooftop_br
• Facebookfacebook.com/rooftop.br
• LinkedInlinkedin.com/company/rooftop-br
• Instagraminstagram.com/rooftop_br

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 ROOFTOP