CredPago
CredPago, now Loft/Fiança Aluguel, is a Brazilian digital rental guarantee platform serving 9,000+ partner real estate agencies and tenants nationwide with instant credit decisions and expanded insurance and credit products post-Loft acquisition.
- Company typePrivate
- Founded2016
- HeadquartersCuritiba, Brazil
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What CredPago does
CredPago is a Brazilian rental guarantee technology company founded in 2016 and acquired by Loft in 2023, where it now operates as Loft/Fiança Aluguel. Its core product, Fiança Aluguel, replaces the traditional guarantor (fiador) and security deposit model with a 100% digital rental guarantee that issues credit decisions in up to one minute. Tenants can pay the guarantee fee in installments up to 12x and receive coverage up to 40x monthly rent, while property owners receive guaranteed rent even if the tenant defaults. The product is distributed at zero cost to a nationwide channel of 9,000+ partner real estate agencies (imobiliárias), making the company's go-to-market fundamentally B2B2C: agencies originate, tenants pay, and property owners are the protected counterparty.
The underlying platform is a fully digital application and contracting workflow that includes an instant automated credit analysis engine, a dedicated mobile app for tenants, and electronic signature for lease execution. Since the Loft acquisition, CredPago's scope has expanded well beyond the rental guarantee into a broader real estate financial services and agency technology stack: Garantia Investe (investor protection), Seguro Residencial and Seguro Comercial (insurance), Financiamento Imobiliário and Crédito com Garantia de Imóvel (real estate-secured credit), Antecipa (rent advance), plus operational tools for agencies including CRM para Imobiliárias, Adm Imóveis, Proposta Digital, Sites para Imobiliárias, Assinatura Eletrônica, Qualificação de Leads, Geração de Leads, Loft/Dados analytics, Assistente Loft AI assistant, Clube Loft loyalty, and Selo de Tecnologia Loft certification.
Revenue mechanics combine recurring rental guarantee fees paid by tenants on a subscription-style cadence with attach revenue from insurance and credit products, while agency-side software tools function as retention and engagement levers rather than disclosed revenue lines. The company operates a single-country Brazilian footprint from a São Paulo headquarters, with no disclosed international expansion or standalone financial reporting following integration into the Loft ecosystem.
CredPago firmographics
Firmographics- Name
- CredPago
- Legal name
- CredPago
- Website
- https://credpago.com.br
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- CredPago, now Loft/Fiança Aluguel, is a Brazilian digital rental guarantee platform serving 9,000+ partner real estate agencies and tenants nationwide with instant credit decisions and expanded insurance and credit products post-Loft acquisition.
- Ownership category
- akta.pro rank
Where CredPago is headquartered
LocationHeadquarters
- HQ city
- Curitiba
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
CredPago business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Fiança Locatícia (Rental Guarantee): Loft/ CredPago provides rental guarantee insurance to tenants, charging a fee for the guarantee coverage. Property owners receive guaranteed rent payment even if the tenant delays or defaults. Real estate agencies receive the service at zero cost. Tenants can pay in installments up to 12x.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Flexible rental guarantee plans with coverage up to 40x monthly rent value |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
CredPago product offering
Product offeringCore offering
CredPago provides digital rental guarantee services that allow tenants to rent properties in Brazil without a guarantor (fiador) or large cash deposit. The platform performs instant credit analysis in up to one minute and issues guarantee coverage plans up to 40 times the monthly rent value, with tenants able to pay in up to 12 installments. Property owners receive guaranteed rent payments, and real estate agencies access the service at zero cost through a network of 9,000+ partner imobiliárias across Brazil.
Product overview
CredPago operates as part of the Loft platform, functioning as a unified product ecosystem with Fiança Aluguel (Rental Guarantee) as the core product. The platform offers a comprehensive suite of real estate solutions organized around three main categories: rental guarantee products (Fiança Aluguel, Garantia Investe), insurance products (Seguro Residencial, Seguro Comercial), and financial services (Financiamento Imobiliário, Crédito com Garantia, Antecipa). Additionally, Loft provides an extensive technology stack for real estate agencies including CRM, property management (Adm Imóveis), digital proposal tools, website builder (Sites para Imobiliárias), electronic signature, lead generation, data analytics (Loft/Dados), lead qualification (Qualifica Leads), and an AI assistant (Assistente Loft). The platform serves over 9,000 partner real estate agencies across Brazil with a fully digital, 100% online process.
Differentiator
Problem solved
Functional benefit
Products and services
- Fiança Aluguel (Rental Guarantee)
Quantifiable outcome
- Credit analysis completed in up to 1 minute
- +3 more outcomes
Companies that use CredPago
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
CredPago technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature1 record
CredPago partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Imobiliária AnagecoreAnage real estate agency partners with Loft/ CredPago to offer rental guarantee services to tenants, providing zero-cost access to the platform and enabling faster property rental transactions.
- Imobiliária MuckcoreMuck real estate agency is a partner of Loft/ CredPago, utilizing the rental guarantee platform to offer tenants a frictionless rental experience without traditional guarantor requirements.
- FoxtercoreFoxter real estate agency partners with Loft/ CredPago to distribute rental guarantee services, enabling higher conversion rates in property rentals across Brazil.
- Duda ImóveiscoreDuda Imóveis partners with Loft/ CredPago to offer digital rental guarantee solutions to tenants, eliminating the need for traditional guarantors in property rentals.
- Casa NovacoreCasa Nova real estate agency is a partner of Loft/ CredPago, leveraging the rental guarantee platform to facilitate faster property rentals with instant credit approval.
- AuxiliadoracoreAuxiliadora real estate agency partners with Loft/ CredPago to provide rental guarantee services to tenants, with zero cost to the agency and instant digital processing.
- Imobiliária SantaméricacoreSantamérica real estate agency partners with Loft/ CredPago to offer the rental guarantee platform, providing tenants with flexible plans up to 40x monthly rent value.
- Roque ImóveiscoreRoque Imóveis is a partner of Loft/ CredPago, utilizing the rental guarantee service to offer tenants a fully digital rental experience without paperwork or guarantors.
- Estrutura ImóveiscoreEstrutura Imóveis partners with Loft/ CredPago to distribute rental guarantee solutions, enabling higher tenant conversion rates and guaranteed rent payments for property owners.
- Concreto ImóveiscoreConcreto Imóveis partners with Loft/ CredPago to offer digital rental guarantee services to tenants seeking to rent properties without traditional guarantor requirements.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
CredPago competitors and assessment
Company assessmentBroad incumbents
- Viva Real: Viva Real is a leading Brazilian real estate marketplace sharing the same imobiliária partner audience as CredPago, with potential overlap in tenant engagement and rental listing workflows.
- Porto Seguro: Porto Seguro is a major Brazilian insurance company offering residential and commercial insurance plus rental-related products — comparable to CredPago on Seguro Residencial/Comercial and adjacent risk-coverage offerings, though at much larger scale across multiple insurance lines.
- QuintoAndar: QuintoAndar is Brazil's largest proptech, offering end-to-end rental and sale services with integrated guarantees and tenant screening — overlapping with CredPago on rental guarantee and tenant underwriting, though at much larger scale and broader scope.
- Zap Imóveis: Zap Imóveis is a major Brazilian real estate listings portal serving imobiliárias and property seekers — comparable to CredPago on the agency-distribution and tenant-acquisition side, though focused on listings rather than guarantees.
- Loft: Loft is the Brazilian proptech that acquired CredPago in 2023 and now operates it as the 'Loft/Fiança Aluguel' brand; Loft's broader real estate transaction platform shares customer overlap with CredPago's imobiliária network and product ecosystem.
- Creditas: Creditas is a Brazilian secured-credit fintech offering home-equity loans and adjacent credit products — comparable to CredPago's Crédito com Garantia and real estate-secured lending offerings, with overlapping credit-underwriting expertise applied to property-backed assets.
Emerging players
- Lemonade: Lemonade is a US-based insurtech applying AI-driven instant underwriting and a digital-first claims/issuance experience — comparable to CredPago's 1-minute automated credit analysis and 100% digital process, though operating in insurance rather than rental guarantee.
- BlueModal Broker de Seguros: BlueModal is a Brazilian insurance brokerage and rental guarantee issuer that distributes through imobiliárias — comparable to CredPago on rental guarantee product and agency channel, though smaller in scale.
Direct peers
- Youz (Kzas): Youz (formerly Kzas) is a Brazilian fintech offering digital rental guarantee and credit solutions to tenants and landlords, directly competing with CredPago on the same fiador-replacement product, instant credit analysis, and agency-channel distribution model in Brazil.
- Habitational: Habitational is a Brazilian rental credit and guarantee platform that underwrites tenant risk and issues rental guarantees to landlords, comparable to CredPago's Fiança Aluguel core product and operating model in the Brazilian market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
CredPago financial estimates
Financial estimateRevenue estimate
Valuation estimate
CredPago leadership team
Management profileNumber of profiles
Profiles1 record
CredPago funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CredPago M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CredPago
What does CredPago do?
CredPago provides digital rental guarantee services that allow tenants to rent properties in Brazil without a guarantor (fiador) or large cash deposit. The platform performs instant credit analysis in up to one minute and issues guarantee coverage plans up to 40 times the monthly rent value, with tenants able to pay in up to 12 installments. Property owners receive guaranteed rent payments, and real estate agencies access the service at zero cost through a network of 9,000+ partner imobiliárias across Brazil.
Is CredPago a public or private company?
CredPago is a private company. It is classified as corporate owned and is currently operating.
When was CredPago founded?
CredPago was founded in 2016. It employs 101 to 250 people.
Where is CredPago based?
CredPago is headquartered in Curitiba, Brazil, in the Latin America region.
How does CredPago make money?
One revenue line is on record: fiança Locatícia (Rental Guarantee).
Who are CredPago's main competitors?
Broad incumbents on record are Viva Real, Porto Seguro, QuintoAndar, Zap Imóveis, Loft and Creditas. Emerging players are Lemonade and BlueModal Broker de Seguros. Direct peers are Youz (Kzas) and Habitational.
Does CredPago have an API?
No public API is recorded for CredPago.