Rapidoo
Rapidoo is a Brazilian self-serve fintech that lets small and medium enterprises anticipate unpaid B2B invoices (boletos) through its online platform, charging a single transparent transaction fee and selling the credit rights to affiliated One7 Securitizadora.
- Company typePrivate
- Founded2016
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Rapidoo does
Rapidoo is a Brazilian fintech that operates a self-serve digital platform enabling small and medium-sized enterprises (PMEs) to anticipate receivables from B2B sales (boletos and duplicatas). The platform handles online company registration, automated credit analysis, transaction processing, and next-day settlement of liquidated receivables, with the purchased credit rights transferred to affiliated One7 Securitizadora de Créditos Comerciais S.A. The company's core product, Antecipação de Boletos, is delivered through the web-only Plataforma Rapidoo with no physical branches and no mobile app.
Rapidoo's business model is transaction-based: it retains a single transparent percentage fee on the gross value of securitized credit rights, with no IOF, no boleto issuance fees, and no maintenance fees billed to customers. Pricing varies by amount and maturity (with maturities simulated at 7, 30, 60, 90, and 95 days) and is set after credit analysis rather than through fixed public rates. Revenue recognition is pay-as-you-go, tied directly to underlying receivables volume.
The company is a wholly-owned subsidiary of One7 Tecnologia e Inovação Ltda., operating within the broader One7 Group that has moved R$ 10 billion in receivables anticipation since 2019 and serves over 10,000 customers nationwide. The GTM motion is purely self-serve: customers register online at rapidoo.com.br, complete credit analysis, and transact entirely through the web interface. Headcount is in the 11–50 range, and operations are concentrated in Brazil (domiciled in Tatuí, São Paulo state), with CNPJ registration required and no disclosed international presence. The technology stack combines proprietary credit decisioning, real-time settlement, and BACEN reporting into a single SaaS-style front end, though no public API or SDK is exposed.
Rapidoo firmographics
Firmographics- Name
- Rapidoo
- Legal name
- Rapidoo Serviços de Tecnologia Ltda.
- Website
- https://rapidoo.com.br
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Rapidoo is a Brazilian self-serve fintech that lets small and medium enterprises anticipate unpaid B2B invoices (boletos) through its online platform, charging a single transparent transaction fee and selling the credit rights to affiliated One7 Securitizadora.
- Ownership category
- akta.pro rank
Rapidoo industry classification
Industry- Product category
- Receivables Anticipation / Invoice Factoring
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Corporate Cash Management & Treasury ACH (FSAMAGAG)
- akta.pro secondary industry
- SME Treasury & Liquidity Management (FX, Hedging, Sweep/Investment) (FSABABAE)
Keywords
Where Rapidoo is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Rapidoo business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Securitization Transaction Fees: Rapidoo generates revenue through transaction fees charged on the securitization of credit rights. When credit rights are acquired by the cessionária (ONE7 Securitizadora), Rapidoo retains a percentage of the gross value as remuneration for the securitization service. The platform charges a single transparent fee without hidden costs such as IOF, boleto issuance fees, or maintenance fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Single transparent transaction fee based on credit assessment |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Rapidoo product offering
Product offeringCore offering
Rapidoo is a Brazilian financial technology platform that enables small and medium-sized businesses (PMEs) to anticipate payments on outstanding invoices (boletos) by securitizing their credit rights through an affiliated securitization company. The platform provides direct, transparent, fully digital receivables anticipation with no hidden fees (no IOF, no boleto issuance fees, no maintenance or account fees), processing operations in real time and settling funds the next business day.
Product overview
Rapidoo is a single-product financial technology platform offering invoice/boleto anticipation services for small and medium-sized Brazilian enterprises. The core product is the Antecipação de Boletos offering, delivered through the Plataforma Rapidoo web platform. Users register their company, submit invoices from B2B sales, and receive immediate cash upon sale of their receivables rights to the affiliated securitization company (One7 Securitizadora). The platform handles the entire lifecycle including credit analysis, payment processing, and fund transfers. As a subsidiary of One7 group, Rapidoo operates alongside other One7 credit products but maintains a distinct focus on digital receivables anticipation for Brazilian SMEs.
Differentiator
Problem solved
Functional benefit
Products and services
- Antecipação de Boletos (Receivables Anticipation) A financial service that lets Brazilian small and medium businesses (PMEs) register, submit unpaid invoices (boletos), and receive immediate cash flow through credit rights securitization, instead of waiting for the standard 28-day settlement window. Targeted at B2B sellers facing cash flow gaps and limited access to traditional bank credit.
Quantifiable outcome
- R$ 10 billion in receivables anticipation operations since 2019
- +1 more outcomes
Companies that use Rapidoo
Customer profileNamed customers12 records
Segments2 records
Ideal customer profiles1 record
Rapidoo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Rapidoo partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ONE7 Securitizadora de Créditos Comerciais S.A.coreONE7 Securitizadora acquires the credit rights (Direitos Creditórios) from Rapidoo users through a securitization process. When users request anticipations, the rights are purchased by ONE7 Securitizadora at a discount, enabling Rapidoo to provide immediate liquidity to SMEs. This is the core operational partnership enabling Rapidoo's business model.
Scale indicators3 records
Recent moves4 records
Expansion highlights4 records
Rapidoo competitors and assessment
Company assessmentEmerging players
- Geru: Brazilian online lending platform for SMBs and individuals using alternative credit data. Comparable digital onboarding and Brazilian SMB target, though broader consumer/SMB mix.
- NG.Cash: Brazilian digital banking and credit platform for younger consumers and small businesses. Compares on digital distribution to underserved segments in Brazil, though with more consumer orientation.
- Conta Azul: Brazilian SMB-focused financial management platform expanding into credit and working-capital products. Comparable target customer (Brazilian PMEs) with a digital-first distribution motion similar to Rapidoo's self-serve model.
Direct peers
- Creditares: Brazilian fintech marketplace providing receivables anticipation and credit solutions for SMBs. Direct overlap with Rapidoo's boleto anticipation product and SME customer base.
- Cora: Brazilian digital bank for SMBs (PJs) offering a PJ account with integrated working-capital solutions. Comparable to Rapidoo in targeting underserved Brazilian SMEs with digital credit offerings, though Cora bundles banking rather than being a single-product factoring platform.
- Biva: Brazilian fintech providing factoring and receivables anticipation to SMBs through a digital platform. Direct overlap with Rapidoo's core antecipação de boletos product for the PME segment.
- Kredito: Brazilian online lender providing working-capital and receivables-backed credit to SMBs via digital onboarding. Comparable product, target customer, and self-serve distribution approach.
Broad incumbents
- Mercado Pago: Fintech arm of Mercado Livre offering merchant credit, working-capital advances, and payments to Brazilian SMBs. Comparable on SMB working-capital products but with vastly larger scale, deposit base, and ecosystem.
- Nubank (PJ): Brazil's largest neobank, with a growing PJ/business account offering credit products to SMBs. Comparable customer base and digital-only model, with much larger deposit-funded balance sheet.
- Banco Inter (Empresas): Brazilian digital bank with a strong Empresas (SMB) segment offering credit, antecipação de recebíveis, and working capital. Overlaps directly with Rapidoo's product set but at incumbent scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Rapidoo social profiles
Digital presenceRapidoo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rapidoo leadership team
Management profileNumber of profiles
Profiles1 record
Rapidoo funding detail
Funding detailFunding overview
Funding rounds1 record
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rapidoo 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 Rapidoo
What does Rapidoo do?
Rapidoo is a Brazilian financial technology platform that enables small and medium-sized businesses (PMEs) to anticipate payments on outstanding invoices (boletos) by securitizing their credit rights through an affiliated securitization company. The platform provides direct, transparent, fully digital receivables anticipation with no hidden fees (no IOF, no boleto issuance fees, no maintenance or account fees), processing operations in real time and settling funds the next business day.
Is Rapidoo a public or private company?
Rapidoo is a private company. It is classified as corporate owned and is currently operating.
When was Rapidoo founded?
Rapidoo was founded in 2016. It employs 11 to 50 people.
Where is Rapidoo based?
Rapidoo is headquartered in São Paulo, Brazil, in the Latin America region.
How does Rapidoo make money?
One revenue line is on record: securitization Transaction Fees.
Who are Rapidoo's main competitors?
Emerging players on record are Geru, NG.Cash and Conta Azul. Direct peers are Creditares, Cora, Biva and Kredito. Broad incumbents are Mercado Pago, Nubank (PJ) and Banco Inter (Empresas).
Does Rapidoo have an API?
No public API is recorded for Rapidoo.
What industry is Rapidoo in?
Rapidoo's product category is Receivables Anticipation / Invoice Factoring. Its primary akta.pro industry code is FSAMAGAG, Corporate Cash Management & Treasury ACH, with a secondary code of FSABABAE, SME Treasury & Liquidity Management (FX, Hedging, Sweep/Investment). Its NAICS code is 52222 and its SIC code is 6153.