Bcredi

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.

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

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

• Secured consumer lending
• Home equity loans
• Vehicle-backed loans
• Payroll-deducted credit
• Digital lending platform

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core 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

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

One partnership is on record.

• Minuto Seguros (Minuto Corretora de Seguros S.A.)majorChannel Partner/ Reseller/ DistributorInsurance 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

Broad 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

• Facebookfacebook.com/bcredi
• LinkedInlinkedin.com/company/bcredi
• Instagraminstagram.com/creditasbr
• Xx.com/bcredi_

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors1 record

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 Bcredi