Bcredi
Bcredi, fully integrated into Creditas since 2022, was a Brazilian digital lending platform offering secured loans against real estate, vehicles, and payroll, serving both consumers and corporate HR clients nationwide.
- Company typePrivate
- Founded2012
- HeadquartersCuritiba, Brazil
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Bcredi does
Bcredi is a Brazilian fintech company that, following its 2021 acquisition by Creditas, has been fully integrated into the Creditas platform and no longer operates as an independent brand. Originally founded in 2017 and headquartered in São Paulo, Bcredi specialized in real estate-backed lending; the combined entity now operates as Creditas Soluções Ltda., a digital secured-lending platform offering home equity loans (R$50,000–R$3 million, from 1.09% per month + IPCA over up to 240 months), vehicle-secured loans (R$5,000–R$150,000, from 1.49% per month), and private payroll-deducted consignado credit (R$300–R$70,000, from 1.29% per month). The platform combines a direct-to-consumer web and mobile application with remote property and vehicle valuation, automated contract generation via alienação fiduciária, and a partner API portal (developers.creditas.com.br).
The business operates under a dual regulatory structure: as a banking correspondent (correspondente bancário) under CMN Resolution 4.935 for partners OXY Companhia Hipotecária, Creditas SCD, and Socinal, and as a Direct Credit Society (Sociedade de Crédito Direto) under CMN Resolution 4.656/5.050 via Creditas SCD (CNPJ 32.997.490/0001-39). Revenue is generated through correspondent banking commissions on originated loans, net interest spread on direct balance-sheet lending, insurance distribution commissions through subsidiary Minuto Seguros, and B2B fees from corporate benefits programs (consignado, salary advance, flexible benefits card, financial education). Customers include individual property and vehicle owners in the consumer segment and enterprise HR departments (e.g., Cinepolis, GFT, Ri Happy, Hospital Bezerra de Menezes, Aviva) in the corporate segment. The company reports R$12.1 billion+ in cumulative loans facilitated and R$6.2 billion+ in customer interest savings, and is part of the prudential conglomerate led by Banco Andbank (Brasil) S.A.
Bcredi firmographics
Firmographics- Name
- Bcredi
- Legal name
- Creditas Soluções Ltda.
- Website
- https://bcredi.com.br
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Bcredi, fully integrated into Creditas since 2022, was a Brazilian digital lending platform offering secured loans against real estate, vehicles, and payroll, serving both consumers and corporate HR clients nationwide.
- Ownership category
- akta.pro rank
Bcredi industry classification
Industry- Product category
- Secured Consumer Lending
- NAICS
- Real Estate Credit (522292), Consumer Lending (522291), Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
- akta.pro secondary industries
- Salary-Backed / Payroll-Deducted Secured Loans (FSAKALAI), Mortgage Loan Sales & Aggregation (Correspondent/Conduit Aggregators) (FSALAFAD)
Keywords
Where Bcredi is headquartered
LocationHeadquarters
- HQ city
- Curitiba
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Bcredi business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Correspondent Banking Commissions: Earns commission fees from partner financial institutions (OXY, Creditas SCD, Socinal) for loan origination through its platform as a correspondent bank under CMN Resolution 4.935.
- Direct Lending (Creditas SCD): Operates as Creditas Sociedade de Crédito Direto, lending directly to customers using its own balance sheet under BACEN SCD license.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Home Equity Loan (Empréstimo com Garantia de Imóvel) |
| Unit Pricing | Monthly | Vehicle Secured Loan (Empréstimo com Garantia de Veículo) |
| Unit Pricing | Monthly | Private Consignee Loan (Empréstimo Consignado Privado) |
| Unit Pricing | Monthly | Multi-Bank Mortgage Financing (Financiamento Imobiliário) |
| Unit Pricing | Monthly | Vehicle Financing (Financiamento de Veículo) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Bcredi product offering
Product offeringCore offering
Bcredi/Creditas operates a digital lending platform in Brazil offering secured consumer loans backed by real estate, vehicles, and private payroll deduction. The company functions as both a banking correspondent (under Resolução CMN nº 4.935) and as a Direct Credit Society / Sociedade de Crédito Direto (under Resolução CMN nº 4.656). Core offerings include home equity loans (1.09%+IPCA/month, up to R$3 million), vehicle-backed loans (1.49%/month, up to R$150,000), and private consignado payroll loans, complemented by multi-bank mortgage comparison, vehicle financing comparison, and insurance aggregation.
Product overview
Creditas operates as a digital lending platform offering secured loans backed by vehicle collateral, real estate collateral, and payroll deduction, complemented by insurance aggregation through Minuto Seguros and corporate benefits solutions. The company functions as both a banking correspondent under BACEN regulation and a Direct Credit Society (SCD). The core lending products include home equity loans (up to R$3 million, 1.09%+IPCA/month), vehicle-backed loans (R$5K-R$150K, 1.49%/month), and private payroll loans (R$300-R$70K, 1.29%/month). The platform also provides multi-bank mortgage and vehicle financing comparison, insurance products, flexible corporate benefit cards, and salary advance services. Creditas includes technology entities Creditoo (banking correspondent operations) and Creditas SCD (direct credit provision), with Bcredi integrated as a legacy acquired brand.
Differentiator
Problem solved
Functional benefit
Brands
- Creditoo: Company within the Creditas group that operates as a bank correspondent for Socinal S.A.
- Minuto Seguros
- Creditas Auto
- Creditas Turbo
Products and services
- Empréstimo com Garantia de Imóvel (Home Equity Loan)
- Empréstimo com Garantia de Veículo (Vehicle-Backed Loan)
- Empréstimo Consignado Privado (Private Payroll-Deducted Loan)
- Financiamento Imobiliário Multibanco (Multi-Bank Mortgage Financing)
- Financiamento de Veículo (Vehicle Financing)
- Minuto Seguros (Insurance Aggregation)
- Benefícios Corporativos (Corporate Benefits Platform)
- Cartão de Benefícios Flexíveis (Flexible Benefit Card)
- Antecipação de Salário (Salary Advance)
- Garantia Locatícia (Rental Guarantee)
Quantifiable outcome
- Customers saved over R$6.2 billion in interest compared to traditional credit products
Companies that use Bcredi
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles4 records
Bcredi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature3 records
Bcredi partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Minuto Seguros (Minuto Corretora de Seguros S.A.)majorInsurance products distribution partnership. Creditas offers auto, home, life, travel, and cell phone insurance through Minuto Seguros platform, branded as 'Creditas Seguros'.
Scale indicators4 records
Recent moves1 record
Expansion highlights5 records
Bcredi competitors and assessment
Company assessmentBroad incumbents
- Banco Inter: Brazilian digital super-app bank offering consumer credit, payroll loans, and secured lending products alongside broader banking. Competes for the same digital Brazilian consumer with an overlapping (but much broader) product portfolio.
- Banco Original: Brazilian digital bank offering consumer credit and payroll-deducted loan products. Comparable GTM motion (digital-first) and customer base (Brazilian mass-market and emerging affluent).
- Banco Pan: Brazilian bank specializing in consumer credit, payroll-deducted loans (consignado), and vehicle financing. Directly comparable in product mix to Bcredi's consignado and vehicle-backed loan offerings.
- C6 Bank: Brazilian digital bank offering consumer credit, payroll loans, and secured lending through its app. Competes for the same digital-first Brazilian consumer with a wider product portfolio.
Direct peers
- BMG: Brazilian bank with a strong focus on payroll-deducted (consignado) and personal loans, historically a leading specialist in the same product category as Bcredi's consignado privado.
- Creditas: The parent entity that acquired Bcredi in 2021; Bcredi's brand and operations are now consolidated under Creditas. Identical product suite (home equity, vehicle-backed, consignado) and Brazilian digital secured-lending model make it the closest peer.
- Crefisa: Brazilian consumer credit specialist offering payroll-deducted loans, personal credit, and refinancing — a long-standing direct competitor in Bcredi's core consumer lending niche.
Emerging players
- Geru: Brazilian online personal-loan fintech using digital underwriting and alternative data; competes in Brazilian consumer credit but with a different collateral profile (unsecured personal loans vs. Bcredi's secured model).
- Just: Brazilian fintech focused on payroll-deducted loans (consignado) and salary advance through employer partnerships — directly overlaps Bcredi's consignado privado and corporate benefits motions.
Regional players
- Banco Daycoval: Brazilian mid-size bank with consumer credit, payroll-deducted loans, and vehicle financing divisions. Operates only in Brazil with a similar product mix but more traditional distribution.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Bcredi social profiles
Digital presenceBcredi compliance and trust
Trust signalCompliance2 records
Bcredi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bcredi leadership team
Management profileNumber of profiles
Profiles2 records
Bcredi subsidiaries and ownership
Company hierarchySubsidiaries3 records
Bcredi funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bcredi 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 Bcredi
What does Bcredi do?
Bcredi/Creditas operates a digital lending platform in Brazil offering secured consumer loans backed by real estate, vehicles, and private payroll deduction. The company functions as both a banking correspondent (under Resolução CMN nº 4.935) and as a Direct Credit Society / Sociedade de Crédito Direto (under Resolução CMN nº 4.656). Core offerings include home equity loans (1.09%+IPCA/month, up to R$3 million), vehicle-backed loans (1.49%/month, up to R$150,000), and private consignado payroll loans, complemented by multi-bank mortgage comparison, vehicle financing comparison, and insurance aggregation.
Is Bcredi a public or private company?
Bcredi is a private company. It is classified as corporate owned and is currently operating.
When was Bcredi founded?
Bcredi was founded in 2012. It employs 51 to 100 people.
Where is Bcredi based?
Bcredi is headquartered in Curitiba, Brazil, in the Latin America region.
How does Bcredi make money?
Two revenue lines are on record. Correspondent Banking Commissions are the primary driver. The others are direct Lending (Creditas SCD).
Who are Bcredi's main competitors?
Broad incumbents on record are Banco Inter, Banco Original, Banco Pan and C6 Bank. Direct peers are BMG, Creditas and Crefisa. Emerging players are Geru and Just. Banco Daycoval is listed as a regional player.
Does Bcredi have an API?
Yes. Creditas provides API documentation for partners through a developer portal. The portal enables partners to access documentation for building integrations with the Creditas platform. Partners can access the portal at https://parceiros.creditas.com.br/auth/login/ and review API documentation at https://developers.creditas.com.br/docs. The platform operates as a correspondent bank and Direct Credit Society (SCD) integrating with partner financial institutions. Developer documentation is at developers.creditas.com.br/docs.
What industry is Bcredi in?
Bcredi's product category is Secured Consumer Lending. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending, with a secondary code of FSAKALAI, Salary-Backed / Payroll-Deducted Secured Loans. Its NAICS code is 522292 and its SIC code is 6162.