What Consórcio Lyscar does

Consórcio Lyscar is a Brazilian consortium administration company founded on August 21, 1981, headquartered in Aracaju, Sergipe. It administers collective savings groups (consórcios) through which members make monthly contributions and are periodically awarded (contemplados) via lottery or bid (lance) to purchase movable property, real estate, or services. The company is authorized and regulated by the Banco Central do Brasil under Law No. 11.795/08 and is administered by its parent, BR Consórcios Administradora de Consórcios LTDA, which provides shared regulatory, technological, and operational infrastructure.

The company offers a portfolio of consortium products including real estate (Consórcio de Imóveis), vehicles (cars, motorcycles, trucks, machinery), services (travel, education, aesthetic procedures), and the recently added categories of condominium renovations (Condofaz, launched August 2024) and planned furniture (Móveis Planejados, launched January 2026). Proprietary features include Upgrade (33.33%-100% credit increase after contemplation), Crédito em Dobro (doubling of credit), Lance Troca Fácil (use of FIPE table trade-in value as a bid), and FGTS Assessorado (assistance using severance fund balances for real estate payments). Technology consists of a consortium group management system, an online simulator, a client portal at servicos.consorciolyscar.com.br, and WhatsApp-based customer service.

The business model is a pre-fixed administration fee charged to participants and distributed across the group term, with no interest charged on contributions — distinguishing the product from traditional consumer credit. Distribution combines a digital-first channel (website, client portal, WhatsApp) with a commercial representative network concentrated in Northeast Brazil. The company reports 78,000+ active clients, R$16+ billion in administered credits, 565,000+ goods delivered since founding, and 1,500+ monthly contemplations, serving primarily individual consumers across Brazil.

Name

Consórcio Lyscar

Legal name

Consórcio Lyscar

Website

https://consorciolyscar.com.br

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

101–250 employees

Short description

Consórcio Lyscar is a Brazilian consortium administrator founded in 1981, offering no-interest collective savings plans for vehicles, real estate, services, condominium renovations, and planned furniture to individual consumers, primarily in Northeast Brazil under Banco Central regulation.

Ownership category

akta.pro rank

Headquarters

HQ city

Aracaju

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Administration Fee: The primary revenue stream comes from a pre-fixed administration fee charged for managing consortium groups. This fee is distributed throughout the group's term and represents the main cost to participants, as consortiums do not charge interest.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Consórcio Lyscar administers interest-free consortium groups (collective savings plans) enabling Brazilian consumers to acquire movable property (cars, motorcycles, trucks), real estate, services, and planned furniture through monthly installments and a pre-fixed administration fee. The company also offers an exclusive condominium renovation product (Condofaz) and an investment product (MCA Investidor), all regulated by the Banco Central do Brasil.

Product overview

Consórcio Lyscar is a consortium administration company offering multiple product lines including real estate, vehicle (cars, motorcycles, trucks), services, and planned furniture consortiums. The company operates under a platform model administered by BR Consórcios, featuring exclusive products like Condofaz for condominium renovations, FGTS Assessorado for government fund assistance, and innovative credit features such as Upgrade and Crédito em Dobro that allow members to start with smaller parcels and increase credit upon contemplation. The product portfolio also includes Lance Troca Fácil for trade-in value utilization and MCA Investidor as an investment vehicle. All products operate without interest charges, applying only administrative fees, and are regulated by Brazil's Central Bank under Law 11,795/08.

Differentiator

Problem solved

Functional benefit

Brands

• Condofaz: Exclusive consortium product for condominium renovations and maintenance, allowing síndicos and condôminos to promote collective improvements with shared payment plans. Available in movable and real estate categories with terms up to 120 months and credits starting from R$18,000.
• FGTS Assessorado
• Crédito em Dobro
• Upgrade

Products and services

• Consórcio de Imóveis Real estate consortium allowing individuals to purchase new or used residential and commercial properties anywhere in Brazil through monthly contributions without interest, only paying a pre-fixed administration fee. Includes no down payment requirement and credit increase options up to 100% after contemplation.
• Consórcio de Carros Vehicle consortium for purchasing new or used automobiles through group savings without interest charges. Members can increase credit up to 100% after contemplation and use Lance Troca Fácil to apply their current vehicle's FIPE value as a bid.
• Consórcio de Motos Motorcycle consortium for acquiring bikes through monthly contributions without interest. Features credit increase up to 33.33% after contemplation and Lance Troca Fácil using FIPE table values.
• Consórcio de Caminhões Truck consortium for entrepreneurs and autonomous truck drivers to acquire heavy vehicles through consortium planning without high interest rates. Market showing 38.9% growth in 2024 and 10% projected growth for 2025.
• Consórcio de Serviços Services consortium covering aesthetic surgeries, education, travel, weddings, parties, and other personal services. Members contribute monthly and receive credit upon contemplation for service payments.
• Consórcio de Móveis Planejados Planned furniture consortium launched for 2026, enabling members to acquire custom furniture through consortium planning. Market segment valued at R$ 13 billion annually in Brazil per IEMI research.
• Condofaz Exclusive condominium renovation consortium allowing síndicos and condôminos to finance building improvements through shared payments. Plans available up to 120 months with credits from R$ 18,000, featuring upgrade options around 33% after contemplation.
• MCA Investidor Exclusive investment product with maturity up to 36 months, where investor's money receives returns above savings accounts without inflation devaluation. Unique market product offered exclusively by Consórcio Lyscar.

Quantifiable outcome

• 85% approval rate for consortium participation
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• BR Consórcios Administradora de Consórcios LTDAcoreOthersBR Consórcios is the parent company and administrator of Consórcio Lyscar, providing the administrative infrastructure and operational framework for consortium group management. The company is authorized and regulated by Banco Central do Brasil.

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Embracon Consórcios: One of Brazil's largest independent consortium administrators, offering vehicle, real estate, and service consortiums nationwide. Directly comparable in product mix and regulatory positioning to Consórcio Lyscar.
• Rodobens Consórcio: Brazilian consortium administrator with strong presence in vehicle (especially trucks) and real estate consortiums. Directly comparable product set to Lyscar, including fleet/light commercial vehicle focus.
• Unifisa Consórcio Nacional: Independent Brazilian consortium administrator offering vehicle, real estate, and service consortiums. Comparable as a mid-sized private administrator competing for similar SMB and consumer customers.
• BR Consórcios Administradora de Consórcios: Parent administrator of Consórcio Lyscar; directly comparable as a multi-brand consortium administrator regulated by the Banco Central do Brasil. Operates other consortium brands alongside Lyscar using shared infrastructure.

Emerging players

• Magazine Luiza (Magalu Consórcio): Brazilian retailer that has expanded into consortium offerings as a newer entrant. Comparable as a competing channel for retail-driven, interest-free consumer credit, though Magalu's scale and digital reach materially exceed Lyscar's.

Broad incumbents

• Itaú Consórcios: Consortium arm of Itaú Unibanco, one of Brazil's largest banks. Comparable consortium products (vehicles, real estate) delivered through a much larger national distribution and brand footprint, making it a broad incumbent competitor.
• Porto Seguro Consórcio: Consortium arm of Porto Seguro, leveraging the parent's insurance and automotive ecosystem. Comparable vehicle consortium focus and customer base overlap with Lyscar's auto and truck products.
• Bradesco Consórcios: Consortium business of Bradesco, a top-tier Brazilian bank. Overlapping product portfolio and regulatory standing, but vastly larger national distribution network and brand reach.
• Caixa Econômica Federal (Consórcios): State-owned Brazilian bank offering consortiums alongside FGTS-linked real estate financing. Comparable product offering, with structural advantage on FGTS integration (relevant to Lyscar's FGTS Assessorado service).
• Santander Consórcios: Consortium business of Santander Brasil, offering vehicle and real estate consortiums. Comparable in regulatory positioning and product mix, with the advantage of a global bank's national footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ConsorcioLyscar
• LinkedInlinkedin.com/company/lyscar-adm.consorcios
• Instagraminstagram.com/consorcio_lyscar
• Xx.com/consorciolyscar

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Consórcio Lyscar