Libra Crédito
Libra Crédito is a Brazilian digital fintech founded in 2019 that provides home equity-backed loans (Crédito com Garantia de Imóvel) to individual homeowners and SMBs through a 100% online application and disbursement process, charging interest from 1.19% per month over terms up to 180 months.
- Company typePrivate
- Founded2019
- HeadquartersRibeirão Prêto, Brazil
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Libra Crédito does
Libra Crédito is a Brazilian private fintech founded in 2019 and headquartered in Ribeirão Prêto that provides home equity-backed loans (Crédito com Garantia de Imóvel) to individual homeowners and small business owners. The company operates a fully digital, direct-to-consumer lending platform accessible at libracredito.com.br, where prospective borrowers can simulate, apply for, and receive disbursement of loans secured against their real estate without visiting a branch or submitting physical paperwork. Its flagship product enables Brazilian consumers who have accumulated property equity to access credit at interest rates starting from 1.19% per month, with repayment terms extending up to 180 months (15 years), positioning the offering as a lower-cost alternative to unsecured consumer credit.
The underlying platform is structured as an end-to-end self-serve online application, with the company targeting a horizontal segment of property-owning individuals and SMBs across Brazil who need funds for debt consolidation, real estate investment, or business purposes. Revenue is generated through interest income accruing on outstanding loan balances, with pricing varying by borrower profile and loan amount and billed monthly. The company's go-to-market is exclusively digital — primarily through its own website as the top-of-funnel acquisition and conversion channel — and it operates with a headcount of 51–100 employees under founder and CEO Henrique Dias. Libra Crédito is privately held with no public ticker, no disclosed funding rounds, no parent company, and no disclosed subsidiaries, partnerships, awards, patents, or regulatory actions in the source data.
Libra Crédito firmographics
Firmographics- Name
- Libra Crédito
- Website
- https://libracredito.com.br
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Libra Crédito is a Brazilian digital fintech founded in 2019 that provides home equity-backed loans (Crédito com Garantia de Imóvel) to individual homeowners and SMBs through a 100% online application and disbursement process, charging interest from 1.19% per month over terms up to 180 months.
- Ownership category
- akta.pro rank
Libra Crédito industry classification
Industry- Product category
- Consumer Home Equity Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Asset-Based Lending (ABL) (FSANADAD)
Keywords
Where Libra Crédito is headquartered
LocationHeadquarters
- HQ city
- Ribeirão Prêto
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Libra Crédito business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income on Home Equity Loans: Libra Crédito generates revenue through interest charged on home equity loans (empréstimo com garantia de imóvel). Borrowers repay loans with interest over terms of up to 180 months. Interest rates start at 1.19% per month, with revenue earned as interest accrues on outstanding loan balances.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Home Equity Loan with rates from 1.19% per month |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Libra Crédito product offering
Product offeringCore offering
Libra Crédito originates home equity-backed loans (Crédito com Garantia de Imóvel) for Brazilian property owners, enabling them to borrow against the equity in their real estate. The entire process—simulation, application, approval, and disbursement—is conducted 100% online, with interest rates starting from 1.19% per month and repayment terms of up to 180 months (15 years).
Differentiator
Problem solved
Functional benefit
Products and services
- Crédito com Garantia de Imóvel (Home Equity Loan) Flagship home equity-backed loan product enabling Brazilian borrowers to access credit using their real estate as collateral, fully online, with interest rates starting from 1.19% per month and repayment terms up to 180 months (15 years). Targeted at individuals and small business owners who have built equity in property and seek credit for personal or business financial needs, debt consolidation, or real estate investment.
Companies that use Libra Crédito
Customer profileSegments1 record
Ideal customer profiles1 record
Libra Crédito technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Libra Crédito partnerships and signals
Strategic signalExpansion highlights3 records
Libra Crédito competitors and assessment
Company assessmentDirect peers
- Figure Technologies: US fintech offering home equity lines of credit and other property-secured loans through a fully digital process. Directly comparable in product (HELOC/home equity) and in operating as a digital-first specialist in property-secured consumer credit.
- Unlock: US home equity-focused fintech that enables homeowners to access credit through a digital HELOC experience. Comparable as a digital specialist in home equity lending, though operating in the US rather than Brazil.
- BomPraCrédito: Brazilian online loan marketplace that connects consumers with lenders, including home equity and personal loan products. Comparable in that it serves the same Brazilian homeowner/credit-seeking customer through a digital channel.
- Hometap: US home equity investment company that lets homeowners extract equity from their property digitally. Comparable as a digitally-native specialist focused on monetizing residential real estate equity, though via investment rather than lending.
- Creditas: Brazil's leading home equity and asset-backed digital lending fintech. Creditas is the most direct competitor to Libra Crédito, offering Crédito com Garantia de Imóvel online to Brazilian homeowners with similar collateral and customer base.
Broad incumbents
- Itaú Unibanco: Largest private Brazilian bank, offering home equity loans (Crédito com Garantia de Imóvel) alongside a full suite of banking products. Comparable as the incumbent alternative to Libra's specialty product, with scale and balance sheet advantages.
- Banco Bradesco: Major Brazilian retail bank with an established home equity lending product and large physical/digital distribution. Comparable as a broad incumbent in the same core lending category Libra Crédito serves.
- Banco Santander Brasil: Major Brazilian commercial bank offering home equity and consumer credit products at scale. Comparable as a deep-pocketed incumbent competing for the same Brazilian homeowner-borrower segment.
Regional players
- Loft: Brazilian proptech with a technology-led real estate transaction and financing platform. Comparable in that it touches Brazilian residential real estate liquidity and could expand into home equity adjacent products serving the same customer base.
- QuintoAndar: Brazilian digital real estate platform serving homeowners and renters. Comparable in that it operates in the Brazilian residential property ecosystem and has access to a homeowner customer base relevant to home equity lending.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Libra Crédito financial estimates
Financial estimateRevenue estimate
Valuation estimate
Libra Crédito leadership team
Management profileNumber of profiles
Profiles1 record
Libra Crédito funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Libra Crédito 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 Libra Crédito
What does Libra Crédito do?
Libra Crédito originates home equity-backed loans (Crédito com Garantia de Imóvel) for Brazilian property owners, enabling them to borrow against the equity in their real estate. The entire process—simulation, application, approval, and disbursement—is conducted 100% online, with interest rates starting from 1.19% per month and repayment terms of up to 180 months (15 years).
Is Libra Crédito a public or private company?
Libra Crédito is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Libra Crédito founded?
Libra Crédito was founded in 2019. It employs 51 to 100 people.
Where is Libra Crédito based?
Libra Crédito is headquartered in Ribeirão Prêto, Brazil, in the Latin America region.
How does Libra Crédito make money?
One revenue line is on record: interest Income on Home Equity Loans.
Who are Libra Crédito's main competitors?
Direct peers on record are Figure Technologies, Unlock, BomPraCrédito, Hometap and Creditas. Broad incumbents are Itaú Unibanco, Banco Bradesco and Banco Santander Brasil. Regional players are Loft and QuintoAndar.
Does Libra Crédito have an API?
No public API is recorded for Libra Crédito.
What industry is Libra Crédito in?
Libra Crédito's product category is Consumer Home Equity Lending. Its primary akta.pro industry code is FSANADAD, Asset-Based Lending (ABL). Its NAICS code is 5222 and its SIC code is 6141.