Precato
Precato is a Brazilian fintech that purchases court-ordered government payment certificates (precatórios) from individual and corporate creditors at a discount, providing immediate liquidity. The company operates nationwide with offices in Itabira and São Paulo, serving creditors and law firm referral partners.
- Company typePrivate
- Founded2012
- HeadquartersItabira, Brazil
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Precato does
Precato is a Brazilian fintech operating as PRECATO CONSULTORIA S.A. that purchases court-ordered government payment certificates (precatórios) from creditors at a discount and provides immediate liquidity, typically within one business day of contract signing. The company serves three primary customer segments: individual creditors who have won cases against government entities and seek to avoid multi-year payment queues, corporate entities (Pessoa Jurídica) holding precatórios for working capital needs, and law firms that refer clients and receive support on credit assignment processes. Precato operates nationwide in Brazil through its headquarters in Itabira, Minas Gerais, and a regional office in São Paulo, reaching customers via direct-to-consumer digital channels (website, WhatsApp, 0800 phone) and law firm referral partnerships.
The core offering is the credit assignment (cessão de crédito) service, where Precato acquires the creditor's right to receive government payment at a negotiated discount (deságio), with rates varying by debtor type: federal precatórios 15-30%, state 30-45%, and municipal 40-60%. Revenue is generated through the spread between the purchase price paid to creditors and the eventual government payment, with capital sourced from a dedicated FIDC (Fundo de Investimento em Direitos Creditórios) vehicle. Supporting the core transaction are digital tools (precatório value consultation and payment forecast estimators), content properties (the PRECAFÉ newsletter, Blog da Precato, and a legal glossary), and a self-described positioning as "Líder Nacional em Venda de Precatórios." The platform is service-led rather than technology-led, with no proprietary AI/ML, no mobile application, no public API, and no disclosed technology stack, relying instead on humanized consulting delivered via digital channels.
Precato has cumulatively intermediated over R$12 billion in precatórios, raised R$100 million via FIDC in 2024, deployed R$640 million into portfolio purchases, and operates with 101-250 employees. The company is privately held, LGPD-compliant with a designated Data Protection Officer, and actively pursuing a R$500 million valuation milestone. No institutional venture capital or private equity ownership has been disclosed, with the business co-founded and operated by partners including Matheus Alvarenga, who has been active in the credit rights market since 2012.
Precato firmographics
Firmographics- Name
- Precato
- Legal name
- PRECATO CONSULTORIA S.A
- Website
- https://precato.com.br
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Precato is a Brazilian fintech that purchases court-ordered government payment certificates (precatórios) from individual and corporate creditors at a discount, providing immediate liquidity. The company operates nationwide with offices in Itabira and São Paulo, serving creditors and law firm referral partners.
- Ownership category
- akta.pro rank
Precato industry classification
Industry- Product category
- Precatório Anticipation Services
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Refund Anticipation Loans (RAL) & Tax Advance Credit (FSAKAMAH)
- akta.pro secondary industry
- Government & Public Sector Disbursements (Tax Refunds, Benefits) (FSAMAKAJ)
Keywords
Where Precato is headquartered
LocationHeadquarters
- HQ city
- Itabira
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Precato business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Precatorio Purchase and Resale: Precato purchases precatorios from creditors at a discount (desagio), providing immediate liquidity. The company then assumes the right to receive payment from the government. Revenue is generated through the difference between the purchase price paid to the creditor and the eventual government payment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Variable discount rate based on precatorio type and debtor entity |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Precato product offering
Product offeringCore offering
Precato purchases precatórios (court-ordered government payment certificates) from individual and corporate creditors at a discount (deságio), providing immediate liquidity within 1 business day after contract signing. The company then assumes the creditor's right to receive payment from federal, state, or municipal government entities, earning revenue on the spread between the discounted purchase price and the eventual government payment.
Product overview
Precato is a specialized fintech that operates a single integrated service focused on the anticipation (antecipação) and purchase of precatórios — court-ordered payment certificates issued against government entities in Brazil. The core offering is the credit assignment (cessão de crédito) service, where Precato acquires the creditor's right to receive payment from the government, delivering liquidity within 1 business day. Supporting this core product are digital self-service tools (consultation of precatório value and payment forecasting), educational content properties (the PRECAFÉ newsletter and blog), and a legal glossary — all designed to support creditors (individuals, legal entities, and law firms) through every stage of the precatório anticipation process.
Differentiator
Problem solved
Functional benefit
Brands
- Precafé: A monthly (described as biweekly in one source) newsletter for legal and pension law professionals covering precatórios, court decisions, and market updates.
Products and services
- Antecipação de Precatórios (Precatório Anticipation) A financial service that allows creditors (individuals and legal entities) to sell their court-ordered payment certificates (precatórios) for immediate cash, with payment processed within 1 business day after the agreement is signed. Target customers are individuals and companies with precatórios from lawsuits against government entities in Brazil.
- Cessão de Crédito (Credit Assignment) The legal mechanism used to transfer credit rights from a precatório creditor to Precato, enabling anticipation of payment. Available in both public instrument (escritura pública) and private instrument formats, with full legal security for the creditor throughout the process.
Quantifiable outcome
- Payment within 1 business day after contract signing
- +2 more outcomes
Companies that use Precato
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Precato technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Precato partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Tripla Data Privacy (DPO)supportTripla Data Privacy, with responsible person Guilherme Gualtieri, serves as the Data Protection Officer (DPO/Encarregado) for Precato, handling LGPD compliance and data privacy matters. Contact: [email protected]
Scale indicators7 records
Recent moves8 records
Expansion highlights4 records
Precato competitors and assessment
Company assessmentDirect peers
- Direct Soluções Financeiras: Brazilian financial services firm that purchases and intermediates precatórios among its product portfolio, often working with law firm partners. Comparable in customer segments and the cessão de crédito mechanism, with broader consumer credit offerings alongside.
- Volpe Capital: Brazilian alternative asset manager with a dedicated precatórios investment vertical, purchasing precatórios directly from creditors and through institutional channels. Comparable at the institutional/wholesale level with similar FIDC-style funding structures.
- Mercado de Precatórios: Brazilian marketplace-style intermediary for the purchase and sale of precatórios, connecting individual creditors with purchasers. Comparable customer base, product (credit assignment), and revenue model, with similar exposure to federal/state/municipal deságio spreads.
- Jive: Brazilian fintech that operates an investment platform with precatórios as one of its asset classes, allowing retail and accredited investors to invest in fractions of precatórios. Comparable in asset class focus but uses a marketplace model rather than direct balance-sheet purchase.
- Advox Precatórios: Brazilian precatórios purchase and advisory firm focused on individual creditors and law firm partners. Comparable in GTM (digital + law firm channel), product (cessão de crédito), and customer segments across federal, state, and municipal precatórios.
- Precatório Fácil: Brazilian fintech that purchases precatórios directly from creditors at a discount, operating nationwide with a similar digital GTM motion (website, WhatsApp, phone). Directly comparable to Precato in product offering, target customer, and revenue model (deságio on purchased assets).
- Falconi Precatórios: Brazilian intermediary focused on the purchase, sale, and anticipation of precatórios for individual creditors and law firms. Operates with the same cessão de crédito legal mechanism and serves an overlapping national market with comparable pricing structure.
- WS Precatórios: Brazilian precatórios purchase and anticipation firm serving both individual and corporate creditors. Comparable in scale and geographic scope, with similar reliance on law firm referral channels and digital origination.
Broad incumbents
- CREFISA: One of Brazil's largest consumer credit companies (private payroll-deductible loans, personal credit). Not a direct precatórios competitor but a broader-incumbent reference point for Brazilian consumer credit intermediation at scale.
- Banco Inter: Large Brazilian digital bank with a broad consumer and SMB credit portfolio. Provides a reference for incumbent scale and capital access in Brazilian consumer finance; not a precatórios specialist but a potential competitive threat if it expands into judicial credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Precato social profiles
Digital presencePrecato compliance and trust
Trust signalCompliance1 record
Precato financial estimates
Financial estimateRevenue estimate
Valuation estimate
Precato leadership team
Management profileNumber of profiles
Profiles1 record
Precato funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Precato 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 Precato
What does Precato do?
Precato purchases precatórios (court-ordered government payment certificates) from individual and corporate creditors at a discount (deságio), providing immediate liquidity within 1 business day after contract signing. The company then assumes the creditor's right to receive payment from federal, state, or municipal government entities, earning revenue on the spread between the discounted purchase price and the eventual government payment.
Is Precato a public or private company?
Precato is a private company. It is classified as management employee owned and is currently operating.
When was Precato founded?
Precato was founded in 2012. It employs 51 to 100 people.
Where is Precato based?
Precato is headquartered in Itabira, Brazil, in the Latin America region.
How does Precato make money?
One revenue line is on record: precatorio Purchase and Resale.
Who are Precato's main competitors?
Direct peers on record are Direct Soluções Financeiras, Volpe Capital, Mercado de Precatórios, Jive, Advox Precatórios, Precatório Fácil, Falconi Precatórios and WS Precatórios. Broad incumbents are CREFISA and Banco Inter.
Does Precato have an API?
No public API is recorded for Precato.
What industry is Precato in?
Precato's product category is Precatório Anticipation Services. Its primary akta.pro industry code is FSAKAMAH, Refund Anticipation Loans (RAL) & Tax Advance Credit, with a secondary code of FSAMAKAJ, Government & Public Sector Disbursements (Tax Refunds, Benefits). Its NAICS code is 5222 and its SIC code is 6141.