Bevi

What Bevi does

Bevi (legally Bevi - Promotora de Crédito), formerly Bevicred, is a Brazilian financial services intermediary founded in 2004 and rebranded in 2024, headquartered in Presidente Prudente, Brazil. The company operates what it describes as the first marketplace of financial businesses in Brazil, connecting independent banking correspondents (correspondentes bancários) with a network of represented financial institutions. It offers more than 20 financial products spanning payroll-deducted loans (consignado for INSS retirees, public servants, federal employees, and worker-credit/FGTS), personal credit, mortgage and vehicle financing, payroll-deductible credit cards, insurance, consortium plans (Beviconsórcio), and solar financing (Bevisolar). Represented banking partners include Banco do Brasil, BMG, C6 (Financeira), Daycoval, Facta, and PanAmericano.

The platform is anchored by a partner portal (Área do Parceiro) that aggregates these product lines, supports operational authentication and commission processing, and is augmented by Bevipentágono, a strategic consulting and business intelligence tool for partners, and BevIAjuda, an AI-integrated natural language assistant for partner queries. The architecture is portfolio-centric, connecting each correspondent to multiple banks simultaneously rather than a single-institution model. Bevi is affiliated with ANEC (Associação Nacional das Empresas Correspondentes Bancárias), the national association for the banking correspondent industry.

Bevi employs over 500 people and generates revenue through commission-based intermediation: represented banks pay commissions to Bevi on transactions routed through correspondent partners, and Bevi retains a portion while passing the balance to partners after performing credit analysis and authentication. The company operates exclusively through the partner/channel model — there is no direct-to-consumer origination — and operates across Brazil via its correspondent network. Pricing is not publicly disclosed.

Name

Bevi

Legal name

Bevi - Promotora de Crédito

Website

https://bevioficial.com.br

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Bevi is a Brazilian financial intermediary operating a marketplace that connects independent banking correspondents with represented financial institutions, distributing over 20 credit, insurance, consortium, and solar financing products across Brazil through a 500+ employee partner-network platform.

Ownership category

akta.pro rank

Product category

Correspondent Banking & Credit Intermediation

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA)

akta.pro secondary industries

Correspondent Mortgage Lending (Delegated & Non-Delegated) (FSALACAB), Invoice Factoring & Receivables Finance Brokerage (FSAEAEAO)

Keywords

• Correspondent banking
• Credit intermediation
• Payroll loans
• Financial marketplace
• Credit products

Headquarters

HQ city

Presidente Prudente

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission-based intermediation: Bevi functions as an intermediary between banking correspondents (parceiros) and financial institutions. The bank pays commission to Bevi, which then passes it to partners. Bevi is responsible for analysis and authentication of operations.
2. Financial product sales: Sells more than 20 financial products including loans (consignado, pessoal, imobiliário, veículos), credit cards, insurance, and solar financing through partner network.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Bevi operates a correspondent banking marketplace that intermediates the relationship between independent banking correspondents (parceiros/correspondentes bancários) and more than 20 partner financial institutions, distributing credit products such as consignado (payroll) loans, personal credit, mortgage and vehicle financing, FGTS-backed credit, payroll-deductible credit cards, insurance, consortiums, and solar financing. Bevi authenticates and analyzes each operation, then receives commission payments from the represented banks and passes them to the partner correspondents, supported by a proprietary partner portal and an AI-powered assistant (BeviAjuda).

Product overview

Bevi operates as a financial correspondent (correspondente bancário) marketplace, intermediating relationships between independent credit agents (parceiros) and a network of over 20 partner financial institutions. The platform aggregates multiple product lines — Consignado (INSS, Público, Federal, Trabalhador), general Credit products (Pessoal, Imobiliário, Veículos, FGTS), Cartões Consignado, insurance (Beviseguros, Seguros de Proteção Financeira), Beviconsórcio, and Bevisolar — into a unified partner portal. Bevipentágono serves as a strategic analytics layer for partners, while BevIAjuda provides an AI-powered conversational interface. The architecture is portfolio-centric, with the partner portal as the hub, connecting to multiple banks simultaneously rather than a single-institution model.

Differentiator

Problem solved

Functional benefit

Products and services

• Consignado INSS Social security payroll-deducted loans for Brazilian retirees and pension beneficiaries receiving INSS benefits, offered through Bevi's network of correspondent banking partners.
• Consignado Público Payroll-deducted credit for public servants, with deductions made directly from their salary or benefit slips, available through Bevi's partner financial institutions.
• Consignado Federal Payroll-deducted loans for federal government employees with payments managed through government systems, distributed via Bevi's correspondent banking partners.
• Crédito Trabalhador Worker credit products accessible via the FGTS (Worker Severance Fund) system, distributed through Bevi's network of partner banks.
• Crédito Pessoal Personal loans offered through Bevi's correspondent network with access to multiple financial institution partners.
• Crédito Imobiliário Home mortgage loans facilitated through Bevi's network of banking partners.
• Crédito Veículos Vehicle financing and auto loans offered through Bevi's partner banking institutions.
• FGTS Products leveraging the Worker Severance Fund (FGTS) balance for credit access, including emergency withdrawals and saque-aniversário, distributed through Bevi's partner banks.
• Cartão Consignado Payroll-deductible credit card with automatic payment deduction from salary or benefit, available through Bevi's partner financial institutions.
• Cartão Benefício Consignado Credit card designed for retirees and pensioners with deductions taken directly from INSS benefit payments, offered through Bevi's correspondent banking partners.
• Beviseguros Insurance products offered through Bevi's platform, covering various protection needs for correspondent clients.
• Seguros de Proteção Financeira Financial protection insurance products including credit life insurance and job loss coverage, distributed through Bevi's partner network.
• Beviconsórcio Consortium (group savings) plans for property and vehicle acquisition facilitated through Bevi's correspondent banking network.
• Bevisolar Solar energy financing products enabling clients to acquire photovoltaic systems through partner channels distributed via Bevi's correspondent network.
• Bevipentágono Strategic consulting and business intelligence tool for Bevi partners to optimize sales performance and portfolio management, offered as a standalone web application.
• BeviAjuda (BevIAjuda) AI-powered virtual assistant that uses natural language processing to answer partner questions instantly in a single-query interface, designed to reduce time spent searching and increase selling time for correspondents.

Quantifiable outcome

• More than 20 financial solutions available through the marketplace

Named customers2 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature1 record

Partnerships

Seven partnerships are on record, tiered core.

• Banco do BrasilcoreChannel Partner/ Reseller/ DistributorMajor Brazilian public bank represented on Bevi's platform, offering credit and financial products through the correspondent banking network.
• Financeira (C6 Consig)coreChannel Partner/ Reseller/ DistributorFinancial institution partner providing consignado credit products through Bevi's network.
• BMG ConsigcoreChannel Partner/ Reseller/ DistributorMajor consignado loan provider represented on Bevi's platform.
• Facta/Facta FinanceiracoreChannel Partner/ Reseller/ DistributorFinancial services company providing credit products through the correspondent network.
• DaycovalcoreChannel Partner/ Reseller/ DistributorBanco Daycoval represented on Bevi's platform for financial product distribution.
• Pan Consig (PanAmericano)coreChannel Partner/ Reseller/ DistributorPan-American financial institution providing credit solutions through Bevi's network.
• ANEC (Associação Nacional das Empresas Correspondentes Bancárias)coreStrategic or Co-development PartnerNational Association of Banking Correspondent Companies - Bevi is associated and promotes membership benefits for Corban businesses.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Banco Inter: Brazilian digital bank offering consumer loans, payroll-deductible loans, credit cards, and insurance directly to consumers; comparable to Bevi as a competing origination channel that could disintermediate the correspondent model Bevi depends on.
• C6 Bank: Brazilian digital bank offering personal loans, credit cards, and consórcio products directly and through partners; comparable because C6 Consig is both a partner on Bevi's platform and a direct competitor pursuing the same end consumer.
• Nubank: Brazilian digital bank and largest fintech in Latin America, offering personal loans, credit cards, and insurance directly via app; comparable as a broad incumbent whose direct-to-consumer origination model pressures correspondent intermediaries like Bevi.
• Banco do Brasil: Brazil's largest public bank and a current Bevi partner distributing consignado and consumer credit; comparable because it both supplies products through Bevi and operates its own extensive correspondent banking network, representing competitive overlap.

Direct peers

• BMG: One of Brazil's largest consignado lenders and a current Bevi partner (BMG Consig); directly comparable because BMG distributes its own credit products both directly and via correspondent networks that compete with Bevi.
• Facta Financeira: Brazilian financial institution focused on payroll-deductible and consumer credit distributed through correspondent banking networks; comparable because Facta is both a partner on the platform and operates a competing promoter/correspondent model.
• Pan Consig (Banco Pan): Brazilian bank specializing in payroll-deductible loans, vehicle financing, and consumer credit distributed through its own and partner correspondent networks; comparable because Pan is both a Bevi partner and a competitor for consignado origination.
• Daycoval: Brazilian bank offering consumer credit, vehicle financing, and payroll-deductible loans via its own correspondent network; comparable because Banco Daycoval is both a represented partner on Bevi's platform and competes in the same correspondent-led origination market.

Emerging players

• PagBank (PagSeguro): Brazilian fintech providing merchant acquiring, digital accounts, and consumer credit products through a partner-driven distribution model; comparable as a fintech that also leverages correspondent and agent networks to distribute financial products in Brazil.
• QI Tech: Brazilian embedded finance/fintech infrastructure provider offering credit-as-a-service APIs and banking-as-a-service for partners; comparable as an emerging fintech infrastructure player addressing similar intermediary economics in Brazilian credit distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/BeviOficial
• LinkedInlinkedin.com/company/bevioficial

Revenue estimate

Valuation estimate

Number of profiles

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 Bevi