DISAL Consórcio
- Company typePrivate
- Founded1980
- HeadquartersSão Paulo, Brazil
- Headcount251–500
- GTM typeB2C
- OfferingServices
DISAL Consórcio firmographics
Firmographics- Name
- DISAL Consórcio
- Legal name
- Disal Administradora de Consórcios Ltda
- Website
- https://disalconsorcio.com.br
- Company type
- Private
- Founded year
- 1980
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
DISAL Consórcio industry classification
Industry- Product category
- Consortium Administration Services
- NAICS
- Consumer Lending (522291), Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Lending & Credit Disbursements (FSAMAKAH)
Keywords
Where DISAL Consórcio is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
DISAL Consórcio business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Administration Fee (Taxa de Administração): The primary revenue stream is the administration fee charged for forming, organizing, and managing consortium groups. This fee is fixed as a percentage stated in the adhesion proposal. The fee applies to both vehicle and real estate consortiums.
- Insurance Premium (Seguro Prestamista): Optional credit life insurance (seguro prestamista) that guarantees loan payoff in cases of death or permanent disability. Premium revenue is generated through partnered insurance companies for both automobile and real estate consortiums.
- Transfer Fee (Taxa de Transferência): Fees charged for quota transfer analysis and processing when a customer transfers their consortium quota to another person. Fee is charged per analysis regardless of approval.
- Real Estate Adhesion Fee (Taxa de Adesão): One-time adhesion fee charged exclusively for real estate consortiums at the time of contract signing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Vehicle consortium - Reduced credit plan with lower monthly installments |
| Subscription | Monthly | Vehicle consortium - Integral credit plan with full monthly payments |
| Usage-based | Monthly | Optional credit life insurance (Seguro Prestamista) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
DISAL Consórcio product offering
Product offeringCore offering
DISAL Consórcio administers vehicle and real estate consortium groups in Brazil, in which individual consumers make interest-free monthly contributions to a shared pool and receive credit letters (awarded via monthly Federal Lottery-backed draws or bids) to purchase automobiles, motorcycles, trucks, residential or commercial property, land, or fund construction/renovation. Core revenue is the fixed percentage administration fee (taxa de administração) charged for organizing and managing each group, supported by an end-to-end digital journey (website simulator, Cred+ credit platform, and Disal+ Clientes app) and an optional credit life insurance add-on (seguro prestamista).
Product overview
DISAL Consórcio operates as a consortium administration company within Grupo Disal, offering two core products: vehicle consortium and real estate consortium. The vehicle consortium provides credit amounts from R$50,000 to R$380,000 with terms up to 100 months, while the real estate consortium enables acquisition of residential/commercial properties, land, construction, or renovation. These core offerings are supported by the Cred+ digital platform for credit processing, the App Disal+ Clientes for mobile customer access, and the Seguro Prestamista add-on for credit life insurance. The company is part of Grupo Disal, which includes Disal Seguros (insurance brokerage) and Disal Tecnologia (technology solutions), and offers Disal Max as an additional financial solution.
Differentiator
Problem solved
Functional benefit
Brands
- Disal Max: Financial solution offering flexibility, security and support for different moments
- Disal Seguros
- Disal Tecnologia
Products and services
- Disal Consórcio de Veículos (Vehicle Consortium) Interest-free consortium administration service for Brazilian consumers seeking to acquire vehicles (automobiles, motorcycles, trucks, light commercial vehicles), offering credit amounts from R$50,000 to R$380,000 with terms of 47 to 100 months and reduced vs integral plan options. Credit letters are awarded via monthly Federal Lottery draws or bids (Lance Livre, Lance Embutido, Lance Fixo).
- Disal Consórcio de Imóveis (Real Estate Consortium) Interest-free consortium administration service for individuals and small buyers planning to acquire residential or commercial property, land, fund construction, or renovate owned properties. Allows use of FGTS (Fundo de Garantia do Tempo de Serviço) funds administered by Caixa Econômica Federal for bid payments, with pricing available on request.
- Cred+ Platform Digital credit-processing platform for managing credit options, credit analysis, and post-contemplation consortium quota transfers for DISAL consortium customers, enabling a fully online experience.
- Disal+ Clientes Mobile App Mobile application (iOS and Android) for DISAL consortium customers to self-manage their quotas: track payments, generate second copies of invoices (segunda via), submit bid offers, check assembly dates and results, consult refunds, and update registration information.
- Seguro Prestamista (Credit Life Insurance) Optional credit life insurance covering full or partial debt settlement in the event of death or permanent disability for DISAL consortium participants; for real estate consortiums coverage additionally includes income loss protection for CLT employees and incapacity protection for self-employed borrowers.
- Disal Max Grupo Disal financial solution offering flexible financial services beyond traditional consortiums, providing additional security and support for customers at different life moments.
- Disal Seguros Insurance brokerage specializing in connecting customers and dealerships with asset protection solutions, including vehicle, life, residential, travel and electronics insurance underwritten by partner insurers (Indiana Seguros, Aliro Seguros, Tokyo Marine, Mapfre, Porto Seguros, Zurich Seguros).
- Disal Tecnologia Technology company developing digital solutions and IT infrastructure for the automotive sector and supporting the consortium operations of Grupo Disal.
Quantifiable outcome
- 75.4% growth above market average
Companies that use DISAL Consórcio
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
DISAL Consórcio technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
DISAL Consórcio partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and support.
- Disal MaxcoreDisal Max is an integrated group company providing flexible financial solutions beyond traditional consortium. Part of the Grupo Disal ecosystem offering additional financial products and services to consortium customers. Disal Max provides more flexibility, security, and support for different financial moments.
- Disal SeguroscoreDisal Seguros is a Grupo Disal company specializing in insurance solutions, with 38 years of experience connecting customers and dealerships with insurance products. Has issued 201,387 auto insurance policies and 214,454 other branch policies. Partners with major insurers including Indiana Seguros, Aliro Seguros, Tokyo Marine, Mapfre, Porto Seguros, and Zurich Seguros.
- Disal TecnologiasupportDisal Tecnologia is the Grupo Disal technology company with over 10 years of experience in the automotive sector developing digital solutions and IT infrastructure supporting the consortium operations.
- ABAC - Associação Brasileira de Administradoras de ConsórcioscoreIndustry association for consortium administrators in Brazil. ABAC sets industry standards, provides regulatory guidance, and represents member companies. DISAL maintains active membership demonstrating commitment to industry best practices.
- ASSOBRAV - Associação Brasileira das Administradoras de Consórcios de VeículoscoreSpecialized industry association for vehicle consortium administrators in Brazil. DISAL maintains membership as a leader in the vehicle consortium segment among independent administrators.
- Rede Autorizada (1,100+ Authorized Partners)coreNetwork of over 1,100 authorized dealers and independent consortium sellers across Brazil providing physical sales presence. Partners receive training and support to sell DISAL consortium products including vehicles and real estate quotas. Includes dealerships and independent consortium offices.
- Banco Central do BrasilcoreBrazilian Central Bank is the regulatory authority for consortium operations. DISAL holds Certificate of Authorization number 03/00/057/89 issued by the BCB, enabling legal consortium administration operations.
- Caixa Econômica FederalsupportFGTS (Fundo de Garantia do Tempo de Serviço) administrator allowing DISAL real estate consortium customers to use FGTS funds for bid payments. FGTS usage follows Caixa rules as defined in the FGTS Manual.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
DISAL Consórcio competitors and assessment
Company assessmentDirect peers
- Itaú Consórcios: Itaú Unibanco's consortium administration arm offering vehicle, real estate, and other consortium lines to its retail customer base. Comparable product mix and target customer; competes with DISAL on scale, brand, and cross-sell into broader banking products.
- Bradesco Consórcios: One of Brazil's largest consortium administrators, operating the vehicle and real estate consortium business inside Bradesco's retail banking franchise. Directly comparable to DISAL in product offering, regulation, and target customer, but with materially larger balance-sheet resources and deposit-base cross-sell.
- Rodobens Consórcio: Independent Brazilian consortium administrator with a strong vehicle consortium book, especially tied into automotive dealerships - mirrors DISAL's dealership-adjacent channel strategy and customer profile in the light-commercial and passenger-vehicle segments.
- Porto Seguro Consórcios: Insurance-led financial group with a significant vehicle and real estate consortium administration business. Particularly close analog given the integrated insurance-plus-consortium model, similar to DISAL's Grupo Disal ecosystem.
- Zematel Consórcios: Independent Brazilian consortium administrator operating vehicle, real estate, and other consortium lines through partner and direct channels. Closely matches DISAL on product scope, target customer, and reliance on an authorized partner network.
- Embracon: Independent Brazilian consortium administrator focused on vehicle and real estate consortium products with a direct sales and partner network - business model and customer profile are closely aligned with DISAL, making it one of the closest independent comparables.
Broad incumbents
- Santander Consórcios: Consortium division inside Santander Brasil offering vehicle and real estate consortiums alongside the bank's broader deposit, lending, and investment franchise. Overlapping product with the anchor but as part of a much wider financial services portfolio.
- Caixa Econômica Federal Consórcios: Government bank's consortium offering, including FGTS-linked real estate consortiums that overlap directly with DISAL's FGTS-integrated real estate product. Operates as part of a much larger deposit, mortgage, and social-benefit franchise.
- BV Financeira (formerly Votorantim Consórcios): Bank-affiliated consortium administrator (formerly Votorantim) with vehicle and real estate consortium products within a broader retail finance platform. Overlap is meaningful but sits inside a wider lending portfolio.
Emerging players
- Magalu Financeira: Retail-led financial services arm of Magazine Luiza offering consumer credit products including consortiums through digital channels. Comparable vehicle and consumer-credit customer profile with a strong digital acquisition motion, but a smaller and more recent consortium book than DISAL.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
DISAL Consórcio social profiles
Digital presenceDISAL Consórcio compliance and trust
Trust signalCompliance5 records
DISAL Consórcio financial estimates
Financial estimateRevenue estimate
Valuation estimate
DISAL Consórcio leadership team
Management profileNumber of profiles
Profiles1 record
DISAL Consórcio subsidiaries and ownership
Company hierarchySubsidiaries3 records
DISAL Consórcio funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DISAL Consórcio 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 DISAL Consórcio
What does DISAL Consórcio do?
DISAL Consórcio administers vehicle and real estate consortium groups in Brazil, in which individual consumers make interest-free monthly contributions to a shared pool and receive credit letters (awarded via monthly Federal Lottery-backed draws or bids) to purchase automobiles, motorcycles, trucks, residential or commercial property, land, or fund construction/renovation. Core revenue is the fixed percentage administration fee (taxa de administração) charged for organizing and managing each group, supported by an end-to-end digital journey (website simulator, Cred+ credit platform, and Disal+ Clientes app) and an optional credit life insurance add-on (seguro prestamista).
Is DISAL Consórcio a public or private company?
DISAL Consórcio is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was DISAL Consórcio founded?
DISAL Consórcio was founded in 1980. It employs 251 to 500 people.
Where is DISAL Consórcio based?
DISAL Consórcio is headquartered in São Paulo, Brazil, in the Latin America region.
How does DISAL Consórcio make money?
Four revenue lines are on record. Administration Fee (Taxa de Administração) is the primary driver. The others are insurance Premium (Seguro Prestamista), transfer Fee (Taxa de Transferência) and real Estate Adhesion Fee (Taxa de Adesão).
Who are DISAL Consórcio's main competitors?
Direct peers on record are Itaú Consórcios, Bradesco Consórcios, Rodobens Consórcio, Porto Seguro Consórcios, Zematel Consórcios and Embracon. Broad incumbents are Santander Consórcios, Caixa Econômica Federal Consórcios and BV Financeira (formerly Votorantim Consórcios). Magalu Financeira is listed as an emerging player.
Does DISAL Consórcio have an API?
No public API is recorded for DISAL Consórcio.
What industry is DISAL Consórcio in?
DISAL Consórcio's product category is Consortium Administration Services. Its primary akta.pro industry code is FSAMAKAH, Lending & Credit Disbursements. Its NAICS code is 522291 and its SIC code is 6141.