Lecca

What Lecca does

Lecca, operating as LECCA CFI S.A., is a Brazilian diversified financial services company founded in 1975 and headquartered in Rio de Janeiro with offices in São Paulo. The company provides credit, investment, and banking correspondent services to Brazilian SMEs, individual consumers, and investors through a portfolio of sub-brands: RIVO (encompassing RIVO Fundo de Investimento em Direitos Creditórios/FIDC, RIVO Securitizadora de Créditos Financeiros, and RIVO Serviços Financeiros) for business credit and securitization; BTW for personalized consumer credit; Lecca Investimentos for investment advisory in partnership with BTG Pactual; and Consignado Privado and Consignado Público for private and public-sector payroll-deducted loans. The business model is transaction-fee based across all three core revenue streams (RIVO, BTW, Lecca Investimentos).

The company distributes its products through direct sales units combined with an extensive correspondent banking network of over 40 partner promoters (promotoras) operating across multiple Brazilian states including São Paulo, Minas Gerais, Bahia, Paraná, Paraíba, Rio Grande do Sul, and Santa Catarina. Lecca operates under FEBRABAN (Brazilian Federation of Banks) monitoring for banking correspondents and maintains LGPD compliance with publicly available privacy documentation. Marketing and customer engagement are conducted through a website (lecca.com.br), LinkedIn, Instagram, and WhatsApp business channel. With 101–250 employees and 50 years of continuous operation, Lecca positions itself on legacy trust and nationwide correspondent distribution rather than on technology differentiation or disclosed proprietary platforms. Pricing is not publicly disclosed; customer engagement is personalized via direct contact channels.

Name

Lecca

Legal name

LECCA CFI S.A.

Website

https://lecca.com.br

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

101–250 employees

Short description

Brazilian financial services company (LECCA CFI S.A.) operating since 1975, offering business credit (RIVO), consumer credit (BTW), investment advisory with BTG Pactual (Lecca Investimentos), and payroll loans, distributed via 40+ correspondent banking partners nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Products (RIVO): RIVO Fundo de Investimento em Direitos Creditórios (FIDC), Securitizadora de Créditos Financeiros, and financial services providing credit solutions to businesses.
2. BTW Personal Credit: Personalized credit solutions for individuals with quick analysis and immediate release.
3. Lecca Investimentos: Investment products distribution through partnership with BTG Pactual, offering investment advisory services.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Lecca is a Brazilian financial services company providing credit solutions, investment advisory, and payroll loan products. Its RIVO sub-brand offers business credit through a credit rights investment fund (FIDC), a credit securitization platform, and general financial services. BTW delivers personalized consumer credit with rapid approval and disbursement. Lecca Investimentos distributes investment products through a partnership with BTG Pactual. The company also offers Consignado Privado and Consignado Público payroll-deducted loans distributed directly and through a network of over 40 correspondent banking partners across Brazil.

Product overview

Lecca operates as a diversified financial services group offering a multi-product portfolio. The core offerings include: (1) RIVO sub-brand covering three divisions — RIVO FIDC (investment fund for credit rights), RIVO Securitizadora (credit securitization), and RIVO Serviços Financeiros (general financial services) — collectively providing comprehensive credit solutions for businesses; (2) Lecca Investimentos, an investment advisory platform partnered with BTG Pactual; (3) BTW, a consumer credit product with rapid approval and disbursement; and (4) Consignado Privado and Consignado Público, payroll loan products for private and public sector employees respectively. The company also publishes tariff schedules and maintains transparency through financial reports and regulatory compliance documentation.

Differentiator

Problem solved

Functional benefit

Brands

• Rivo: Credit solutions including RIVO Fundo de Investimento em Direitos Creditórios (FIDC), RIVO Securitizadora de Créditos Financeiros, and RIVO Serviços Financeiros
• BTW
• Lecca Investimentos

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• BTG PactualcoreGTM or Marketing PartnerStrategic partnership with BTG Pactual, the largest investment bank in Latin America, to offer investment products through Lecca Investimentos. This partnership adds credibility and expands the product offering to include wealth management and investment advisory services.
• G.H. Costa LtdaminorChannel Partner/ Reseller/ DistributorCorrespondent banking partner operating in Augusta, RS, Brazil, facilitating credit distribution services.
• CredigoorominorChannel Partner/ Reseller/ DistributorCorrespondent banking partner operating in Pinheiros, São Paulo, Brazil, facilitating credit distribution services.
• Prospec PromotoraminorChannel Partner/ Reseller/ DistributorCorrespondent banking partner operating in Alphaville, São Paulo, Brazil, facilitating credit distribution services.
• JM Promotora de VendasminorChannel Partner/ Reseller/ DistributorCorrespondent banking partner operating in Alphaville, São Paulo, Brazil, facilitating credit distribution services.
• Capital 2 ServicosminorChannel Partner/ Reseller/ DistributorCorrespondent banking partner operating in Centro, Minas Gerais, Brazil, facilitating credit distribution services.
• FEBRABANcoreOthersLecca operates under FEBRABAN (Brazilian Federation of Banks) monitoring for banking correspondents. Provides transparent reporting of correspondent banking results and operates under regulatory guidelines.
• SEUVIZINHO.VCminorChannel Partner/ Reseller/ DistributorCorrespondent banking partner operating in Pinheiros, São Paulo, Brazil, facilitating credit distribution services.
• CREDIBANKminorChannel Partner/ Reseller/ DistributorCorrespondent banking partner operating in Campinas, Santa Catarina, Brazil, facilitating credit distribution services.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Banco BMG: Banco BMG is one of Brazil's largest specialists in payroll-deducted loans (consignado) and consumer credit, with a similar multi-channel distribution model including correspondent banking. Directly comparable to Lecca's BTW and Consignado products and operates in the same regulatory environment under FEBRABAN.
• Banco Daycoval: Daycoval is a Brazilian mid-sized bank focused on working-capital, receivables-backed, and FX-linked business credit, plus payroll loan operations. Closely comparable to Lecca's RIVO business credit and FIDC/securitization activities.
• Paraná Banco: Paraná Banco is a Brazilian commercial bank focused on payroll-deducted loans, small-business credit, and vehicle financing. Highly comparable to Lecca's consumer credit and consignado business, with overlapping correspondent banking distribution in Brazil.
• Crefisa: Crefisa is a Brazilian consumer and small-business lender with a multi-channel branch and partner distribution network. Directly comparable to Lecca's BTW and RIVO credit offerings, particularly for non-bank consumer credit customers.
• Banco Pan: Banco Pan is a Brazilian digital-first consumer bank specializing in payroll-deducted loans, vehicle financing, and consumer credit. Highly comparable product mix to Lecca's BTW and Consignado offerings, with significant overlap in target customer segment.

Emerging players

• RecargaPay: RecargaPay is a Brazilian fintech offering payments, prepaid cards, and consumer credit to underbanked users via a mobile app. Overlaps with Lecca's consumer credit target segment and operates in similar Brazilian regulatory environment.
• Geru: Geru is a Brazilian online consumer-credit fintech using alternative data underwriting for underbanked borrowers. Comparable to Lecca's BTW consumer credit segment in target customer, but differentiated by a digital-only model versus Lecca's correspondent-network approach.
• Creditas: Creditas is a Brazilian digital lender specializing in asset-backed consumer and SME credit (home-equity, auto, payroll). Comparable to Lecca's RIVO secured/receivables-backed credit and BTW consumer offerings, but operating primarily through a proprietary digital platform rather than correspondent banking.

Broad incumbents

• Nubank: Nubank is Latin America's largest digital bank, offering consumer credit, credit cards, and investment products at massive scale. Comparable to Lecca's full-stack credit-plus-investment model, but with a proprietary app-first platform versus Lecca's correspondent-led distribution.

Others

• Banco BTG Pactual: BTG Pactual is Latin America's largest investment bank and Lecca's strategic partner for Lecca Investimentos. Included as a peer because the same organization supplies Lecca's investment product shelf while also competing in the broader Brazilian wealth management and credit markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lecca-financeira-investimentos-s-a-
• Instagraminstagram.com/grupolecca
• Facebookfacebook.com/Lecca-Financeira-163067103830032

Compliance1 record

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 Lecca