Name

Âncora Consórcios

Legal name

Âncora Administradora de Consórcios S.A

Website

https://ancoraconsorcios.com.br

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Franca

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consortium Administration Fees: Âncora earns revenue through administration fees charged to consortium participants. The company does not charge interest; instead, a small administrative fee covers operational expenses. Fee structures vary by plan type (Normal, 50%, 70%, ADS plans) and segment (Auto, Moto, Real Estate, Heavy Vehicles, Services). Additional fees include adhesion fees (1-2% of credit value), contemplation processing fees, and fund reserve contributions.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

Âncora Consórcios administers consortium groups in Brazil, enabling individuals and businesses to acquire vehicles, motorcycles, real estate, heavy commercial vehicles, and services through an interest-free model. The company earns revenue from administration fees paid by consortium participants, who receive monthly assemblies with contemplation opportunities via lottery or competitive bids. It supplements core consortium administration with credit life insurance (Seguro Prestamista) and operates digital self-service tools (web portal, mobile app, online simulator) and a national partner/representative distribution network.

Product overview

Âncora Consórcios operates as a consortium administration platform offering five core product segments: Consórcio de Imóveis (real estate), Consórcio de Carros (automobiles), Consórcio de Motos (motorcycles), Consórcio de Pesados (heavy vehicles/trucks), and Consórcio de Serviços (services). The company also provides a supplementary Seguro Prestamista (credit life insurance) product. The platform is accessible via the Portal do Consorciado for customers and Portal do Representante for partners, plus a mobile app (Aplicativo Conta Âncora). The portfolio includes 19 administered sub-brands for partner manufacturers including Kawasaki, Noma, XCMG, Olivo, Metalesp, Bevi, Newcon, Gotti, São Pedro, Fun Motors, CFMOTO, Yanmar, Avelloz, Bajaj, Pastre, Dafra, and Loja do Mecânico. Various payment plans are offered including Normal, 70%, 50%, Aceleraí, and Safra variants for different segments.

Differentiator

Problem solved

Functional benefit

Brands

• Beviconsórcio: Consortium administrator for Bevi brand products including automobiles, real estate, implements, nautical, gold, services, and heavy vehicles.
• Newcon Consórcios
• Gotti Consórcio Nacional
• Consórcio Nacional São Pedro
• Consórcio Fun Motors
• Consórcio Nacional CFMOTO
• Consórcio Nacional YANMAR
• Consórcio Avelloz
• Consórcio Nacional Bajaj
• Pastre Consórcio Nacional
• Dafra Consórcios

Quantifiable outcome

• Over 150,000 assets delivered to customers
• +4 more outcomes

Named customers27 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

25 partnerships are on record, tiered core and minor.

• YanmarcoreChannel Partner/ Reseller/ Distributor · 1 January 2025Partnership established in 2025 for administering Consórcio Nacional Yanmar. Yanmar is a Japanese agricultural machinery manufacturer, and Âncora provides consortium administration for Yanmar agricultural equipment purchases.
• AvellozcoreChannel Partner/ Reseller/ Distributor · 1 January 2025Partnership established in 2025 for administering Consórcio Avelloz. Avelloz is a Brazilian motorcycle brand, and Âncora provides consortium administration for Avelloz motorcycle purchases.
• CFMOTOcoreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for administering Consórcio Nacional CFMOTO. CFMOTO is a major Chinese motorcycle and off-road vehicle manufacturer, and Âncora provides consortium administration for CFMOTO off-road vehicles.
• Fun MotorscoreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for administering Consórcio Fun Motors. Fun Motors is a Brazilian motorcycle brand, and Âncora provides consortium administration for Fun Motors motorcycle purchases.
• GotticoreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for administering Gotti Consórcio Nacional. Gotti is a Brazilian heavy vehicle brand, and Âncora provides consortium administration for Gotti heavy vehicle purchases.
• PastrecoreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for administering Pastre Consórcio Nacional. Pastre is a Brazilian heavy vehicle brand, and Âncora provides consortium administration for Pastre heavy vehicle purchases.
• NewconcoreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for administering Newcon Consórcios. Newcon is a Brazilian vehicle brand, and Âncora provides consortium administration for Newcon vehicle purchases.
• ShineraycoreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for consortium administration for Shineray motorcycles and vehicles.
• Letter BankcoreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for consortium administration services.
• CP+coreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for consortium administration services.
• ConseggencoreChannel Partner/ Reseller/ Distributor · 1 January 2024Partnership established in 2024 for consortium administration services.
• BajajcoreChannel Partner/ Reseller/ Distributor · 1 January 2023Partnership established in 2023 for administering Consórcio Nacional Bajaj. Bajaj is an Indian multinational automobile manufacturer, and Âncora serves as official consortium administrator for Bajaj motorcycle consortium groups.
• Liu Gong (Bevi)coreChannel Partner/ Reseller/ Distributor · 1 January 2023Partnership established in 2023 via Beviconsórcio brand for administering Liu Gong consortium programs. Liu Gong is a major Chinese construction machinery manufacturer, and Âncora provides consortium administration for Liu Gong agricultural machinery and heavy equipment through Beviconsórcio.
• MetalespcoreChannel Partner/ Reseller/ Distributor · 1 January 2023Partnership established in 2023 for administering Consórcio Metalesp. Metalesp is a Brazilian trailer and implement manufacturer, and Âncora provides consortium administration for Metalesp products including trailers and road implements.
• OlivocoreChannel Partner/ Reseller/ Distributor · 1 January 2023Partnership established in 2023 for administering Consórcio Nacional Olivo. Olivo is a Brazilian agricultural implements manufacturer, and Âncora provides consortium administration for Olivo agricultural machinery and equipment.
• São PedrocoreChannel Partner/ Reseller/ Distributor · 1 January 2023Partnership established in 2023 for administering Consórcio Nacional São Pedro. São Pedro is a Brazilian heavy vehicle manufacturer, and Âncora provides consortium administration for São Pedro trucks and heavy vehicles.
• DafracoreChannel Partner/ Reseller/ Distributor · 1 January 2023Partnership established in 2023 for administering Consórcio Dafra. Dafra is a Brazilian motorcycle manufacturer, and Âncora provides consortium administration for Dafra motorcycle purchases.
• Voltz MotorscoreChannel Partner/ Reseller/ Distributor · 1 January 2022Partnership established in 2022 for administering Voltz Motors consortium programs. Voltz Motors is a Brazilian electric vehicle manufacturer, and Âncora provides consortium administration for Voltz electric motorcycles and vehicles.
• XCMGcoreChannel Partner/ Reseller/ Distributor · 1 January 2022Partnership established in 2022 for administering XCMG consortium programs. XCMG is a major Chinese heavy machinery manufacturer, and Âncora provides consortium administration for XCMG construction equipment and heavy vehicles.
• BevicoreChannel Partner/ Reseller/ Distributor · 1 January 2021Partnership established in 2021 for administering Beviconsórcio programs. Bevi provides consortium administration for various asset categories including vehicles, real estate, services, and heavy equipment under the Bevi brand.
• Loja do MecânicocoreChannel Partner/ Reseller/ Distributor · 1 January 2019Partnership established in 2019 for administering Consórcio Nacional Loja do Mecânico. Loja do Mecânico is a major Brazilian machinery and tools retailer, and Âncora provides consortium administration for mechanics and workshops purchasing equipment through Loja do Mecânico.
• NomacoreChannel Partner/ Reseller/ Distributor · 1 January 2018Partnership established in 2018 for administering Consórcio Nacional Noma. Noma is a Brazilian heavy vehicle manufacturer, and Âncora provides consortium administration for Noma trucks and heavy vehicles.
• Ouro Minas (OuroStar)coreChannel Partner/ Reseller/ Distributor · 1 January 2018Partnership established in 2018 for administering OuroStar consortium programs. Ouro Minas is associated with gold/noble metals consortium products, and Âncora provides consortium administration for these specialized asset groups.
• KawasakicoreChannel Partner/ Reseller/ Distributor · 1 January 2012Partnership since 2012 for administering Kawasaki motorcycle consortium programs. Kawasaki is a major Japanese motorcycle manufacturer, and Âncora serves as the official consortium administrator for Kawasaki-branded consortium groups, handling sales, administration, and customer service for Kawasaki motorcycle purchases.
• ABAC - Associação Brasileira de Administradoras de ConsórciosminorOthersÂncora is a member of ABAC, the Brazilian Consortium Administrators Association, which represents and regulates the consortium industry in Brazil.

Scale indicators7 records

Recent moves12 records

Expansion highlights6 records

Broad incumbents

• Banco do Brasil Consórcios: Consortium arm of Banco do Brasil, distributing consortium products through its nationwide public-bank branch network. Competes across all five of Âncora's segments with particular strength in agribusiness and real estate.
• Bradesco Consórcios: Consortium arm of Bradesco, one of Brazil's largest banks. Offers auto, real estate, and other consortium products through its branch network, providing direct overlap with Âncora's segments but distributed as part of a much broader retail-banking franchise.
• Santander Consórcios: Brazilian consortium operation of Santander, offering multi-segment consortium products through bank branches and digital channels. Overlaps with Âncora in auto, real estate, and services but as part of a global bank's broader retail franchise.
• Itaú Consórcios: Consortium operation of Itaú Unibanco, distributing consortium products through the bank's extensive branch and digital channels. Competes in the same auto, real estate, and services segments but benefits from a far larger parent balance sheet and customer base.
• Porto Seguro Consórcios: Consortium arm of Porto Seguro, a major Brazilian insurance company. Offers auto, real estate, and other consortium products, leveraging the parent's insurance customer base — analogous to Âncora's bundled Seguro Prestamista strategy.
• Caixa Econômica Federal Consórcios: Government-owned bank consortium operation with strong presence in real estate and auto consortiums. Particularly competitive in property-related segments where it leverages FGTS (severance fund) usage and public-sector customer relationships.
• SulAmérica Consórcios: Consortium operation of SulAmérica, one of Brazil's largest independent insurers. Provides consortium products across multiple segments using its insurance agent network, competing with Âncora for partner-driven distribution.
• Zurich Consórcios: Brazilian consortium operation of Zurich Insurance Group. Offers auto and other consortium products leveraging Zurich's global insurance brand and Brazilian distribution, providing comparable cross-sell with insurance add-ons like Âncora's Prestamista product.

Direct peers

• Embracon: Brazil's largest independent consortium administrator with national coverage and a multi-segment portfolio (auto, real estate, motorcycles, services) closely matching Âncora's business model. Operates as a non-bank, BACEN-regulated consortium specialist with a comparable partner/distributor network strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/%C3%82ncoraCons%C3%B3rciosOficial
• Facebookfacebook.com/ancoraconsorcios
• LinkedInlinkedin.com/company/%C3%A2ncora-cons%C3%B3rcios
• Instagraminstagram.com/ancoraconsorciosoficial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Âncora Consórcios