ATF Bank
ATF Bank is a privately held Brazilian digital bank (SCD licensed as Banco Central institution 513) offering free, branchless personal and business accounts plus credit products including receivables anticipation, working capital, CDC, and bank slips, serving SMBs and individuals nationwide through its digital platform.
- Company typePrivate
- Founded1997
- HeadquartersPorto Alegre, Brazil
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What ATF Bank does
ATF Bank (legal name ATF Sociedade de Crédito Direto S.A.) is a privately held Brazilian digital bank headquartered in Porto Alegre, regulated by Banco Central do Brasil as financial institution number 513. Founded in 1997 with over 20 years of market presence, the company has reported cumulative operated volume exceeding R$ 8 billion across more than 1,000 direct clients and 600,000+ indirect clients reached through business relationships.
The company operates a 100% digital banking platform spanning personal (Conta PF) and business (Conta PJ) accounts, with no physical branches and a self-serve onboarding flow that opens PJ accounts in up to one hour. Account opening and maintenance are free. Its credit suite includes payroll loans (Empréstimo Consignado PF/PJ), receivables anticipation (Antecipação de Recebíveis), working capital (Capital de Giro), risk transfer for supplier payment terms (Risco Sacado), consumer direct credit to merchants' end customers (CDC), and bank ticket processing (Boleto Bancário). The technology stack relies on external partners: Net Factor powers the receivables client portal (clientes.atfbank.com) and ERCard powers the CDC Lojista merchant portal, with Contato Seguro providing the ombudsman and ethics channel.
Revenue is generated through transaction fees on receivables anticipation, CDC origination and interest, draft risk fees, and bank ticket processing, plus interest income on working capital and payroll lending. GTM is direct-to-consumer/self-serve with marketing concentrated on LinkedIn, Instagram, and the company's website (atf.com.br). The company is privately held with no disclosed funding rounds, parent company, or institutional investors, and currently markets itself as 'in the process of opening' new accounts, indicating an active digital build-out phase. Headcount is reported in the 11-50 employee band, and no AI/ML capabilities, patents beyond the ATF trademark, or management team information are disclosed in the source material.
ATF Bank firmographics
Firmographics- Name
- ATF Bank
- Legal name
- ATF Sociedade de Crédito Direto S.A.
- Website
- https://atfbank.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ATF Bank is a privately held Brazilian digital bank (SCD licensed as Banco Central institution 513) offering free, branchless personal and business accounts plus credit products including receivables anticipation, working capital, CDC, and bank slips, serving SMBs and individuals nationwide through its digital platform.
- Ownership category
- akta.pro rank
Where ATF Bank is headquartered
LocationHeadquarters
- HQ city
- Porto Alegre
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
ATF Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Receivables Anticipation (Antecipação de Recebíveis): Provides businesses with immediate cash flow by advancing payments they would receive on credit card receivables or other receivables, charging fees for this service.
- Working Capital Loans: Personalized credit solutions for businesses to fund operations, generating interest income.
- Direct Consumer Credit (CDC): Credit offerings to consumers through business partners, with the bank earning interest and fees.
- Draft Risk (Risco Sacado): Credit risk management service allowing extended payment terms with suppliers, generating fees.
- Bank Ticket Services: Processing and settlement of bank tickets with associated transaction fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Conta PF (Personal Account) - Free digital account |
| Freemium | Monthly | Conta PJ (Business Account) - Digital business account |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
ATF Bank product offering
Product offeringCore offering
ATF Bank (ATF Sociedade de Crédito Direto S.A.) is a 100% digital Brazilian direct credit society regulated by the Banco Central do Brasil as institution number 513. It offers personal (Conta PF) and business (Conta PJ) digital accounts with no opening or maintenance fees, alongside a suite of credit products including payroll loans, receivables anticipation, working capital loans, draft risk (Risco Sacado), and direct consumer credit (CDC) for merchants, plus boleto bancário processing services.
Product overview
ATF is a digital bank (Sociedade de Crédito Direto S.A.) regulated by Banco Central do Brasil as institution number 513. The company operates as a unified digital banking platform offering personal accounts (Conta PF), business accounts (Conta PJ), and a comprehensive suite of credit solutions including payroll loans (Empréstimo Consignado PF/PJ), receivables advance (Antecipação de Recebíveis), working capital (Capital de Giro), risk transfer (Risco Sacado), and consumer direct credit (CDC). Additional services include bank slips (Boleto Bancário), transfers, statements, and payment processing. The platform is positioned as 100% digital with no account opening or maintenance fees.
Differentiator
Problem solved
Functional benefit
Brands
- Conta PF: Digital personal account for individual customers
- Conta PJ
- Antecipação de Recebíveis
- Capital de Giro
- Risco Sacado
- Crédito Direto ao Consumidor
- Boleto Bancário
Products and services
- Conta PF (Personal Digital Account)
Quantifiable outcome
- R$ 8 billion+ volume operated over 20+ years
- +2 more outcomes
Companies that use ATF Bank
Customer profileSegments2 records
Ideal customer profiles3 records
ATF Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ATF Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Net FactorcoreNet Factor provides the receivables management system (clientes.atfbank.com) used by ATF Bank for client portal operations, enabling receivables tracking and management functionality.
- ERCardcoreERCard provides the CDC Lojista portal system for consumer direct credit merchant operations, integrated into ATF Bank's credit offerings.
- Contato SegurominorContato Seguro provides the ethics channel and ombudsman complaint management platform for ATF Bank's compliance and customer service needs.
- Banco Central do BrasilcoreRegulatory authority that licenses and oversees ATF Bank as institution number 513 under Brazil's financial system.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
ATF Bank competitors and assessment
Company assessmentBroad incumbents
- Inter: Brazilian digital bank with a full SMB and consumer product suite (accounts, CDC, working capital, receivables). Larger and broader than ATF but operating in overlapping use cases.
- Nubank: Brazil's largest digital bank offering free digital accounts plus consumer/SMB credit. Operates in the same horizontal banking space as ATF but at much greater scale.
- Stone Co. Brazilian SMB-focused fintech combining payments, banking, and credit (working capital, advances) — comparable to ATF's SMB receivables and working capital play.
- Banco do Brasil: Largest Brazilian commercial bank with deep SMB credit, working capital, and receivables offerings. Sets the competitive benchmark for breadth and pricing in ATF's core product categories.
- PagBank / PagSeguro: Brazilian digital banking and payments platform for SMBs with credit and receivables products — comparable scope to ATF's SMB banking and receivables suite.
Direct peers
- Banco Original: Digital-first Brazilian bank focused on SMBs and agribusiness, providing working capital and credit products — closely comparable to ATF's SMB credit focus.
- Banco BMG: Brazilian bank with deep concentration in payroll loans (consignado PF/PJ) — directly comparable to ATF's Consignado PF and Consignado PJ offerings.
- Will Bank: Brazilian digital bank focused on payroll-loan refinances and SMB credit products — overlaps with ATF's consignado and digital credit model.
- C6 Bank: Brazilian digital bank offering PF/PJ digital accounts and SMB credit products (working capital, receivables, CDC) with a freemium pricing model — directly comparable to ATF's core offering.
Emerging players
- MEI Fácil: Brazilian digital bank serving micro-entrepreneurs (MEI) with accounts and small-business credit — comparable in target segment to ATF's micro/SMB focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
ATF Bank social profiles
Digital presenceATF Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
ATF Bank leadership team
Management profileNumber of profiles
ATF Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ATF Bank 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 ATF Bank
What does ATF Bank do?
ATF Bank (ATF Sociedade de Crédito Direto S.A.) is a 100% digital Brazilian direct credit society regulated by the Banco Central do Brasil as institution number 513. It offers personal (Conta PF) and business (Conta PJ) digital accounts with no opening or maintenance fees, alongside a suite of credit products including payroll loans, receivables anticipation, working capital loans, draft risk (Risco Sacado), and direct consumer credit (CDC) for merchants, plus boleto bancário processing services.
Is ATF Bank a public or private company?
ATF Bank is a private company. It is classified as unknown and is currently operating.
When was ATF Bank founded?
ATF Bank was founded in 1997. It employs 11 to 50 people.
Where is ATF Bank based?
ATF Bank is headquartered in Porto Alegre, Brazil, in the Latin America region.
How does ATF Bank make money?
Five revenue lines are on record. Receivables Anticipation (Antecipação de Recebíveis) is the primary driver. The others are working Capital Loans, direct Consumer Credit (CDC), draft Risk (Risco Sacado) and bank Ticket Services.
Who are ATF Bank's main competitors?
Broad incumbents on record are Inter, Nubank, Stone Co., Banco do Brasil and PagBank / PagSeguro. Direct peers are Banco Original, Banco BMG, Will Bank and C6 Bank. MEI Fácil is listed as an emerging player.
Does ATF Bank have an API?
No public API is recorded for ATF Bank.