Galleria Bank

What Galleria Bank does

Galleria Bank is a Brazil-based, digital-first direct-to-consumer home equity lender that operates as a brand under Grupo Galleria. Its primary product is a Home Equity loan (Empréstimo com Imóvel em Garantia) that allows borrowers to use real estate as collateral to access credit of up to R$10 million, with interest rates starting at 1.19% per month + IPCA and terms up to 180 months. The underlying regulated entity is Galleria Sociedade de Crédito Direto (SCD), authorized and regulated by the Banco Central do Brasil, which permits the company to act as a direct lender rather than a broker. The company was founded in 2020, has between 51 and 100 employees, and operates offices in Campinas and Sorocaba in São Paulo state.

The core technology is an end-to-end digital loan origination stack: customers can simulate credit, complete a property appraisal/inspection, sign the contract electronically, and receive funds in up to 5 business days after lien registration — without visiting a notary office. The company supplements this with a customer self-service portal (Portal do Cliente) and a partner referral program (Seja Parceiro) with a tiered incentive structure (Galleria Club 2026). It also offers Portabilidade de Crédito, a portability/refinancing service for customers with existing home equity debt at other institutions.

Galleria Bank generates revenue primarily through interest income on originated home equity loans, with pricing tied to property value (up to 50% LTV), borrower profile, and prevailing rates. Customer acquisition is split between direct digital channels (website, WhatsApp, Instagram, LinkedIn) and the commission-based Seja Parceiro partner network. The target customer base comprises Brazilian business owners using home equity for working capital, debt consolidation, or expansion, alongside property-owning individuals seeking lower-cost, longer-tenor credit than personal loans or overdraft facilities offer.

Name

Galleria Bank

Legal name

Galleria Bank

Website

https://galleriabank.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

Galleria Bank is a Brazil-based digital home equity lender, operating under Grupo Galleria's regulated SCD, that offers property-collateralized loans up to R$10 million to business owners and individuals through a fully online origination process and a partner referral channel.

Ownership category

akta.pro rank

Product category

Home Equity Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)

Keywords

• Home equity lending
• Digital credit platform
• Real estate collateral loans
• Debt consolidation credit
• Mortgage-backed lending

Headquarters

HQ city

Campinas

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Home Equity Loan Interest Income: Galleria Bank generates revenue through interest charged on home equity loans. Loans are offered at rates starting from 1.19% per month + IPCA (inflation index), with loan amounts up to R$ 10 million and terms up to 180 months. The company acts as a direct lender through Galleria Sociedade de Crédito Direto (SCD), a regulated institution authorized by the Central Bank of Brazil.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Galleria Bank provides Home Equity loans (Empréstimo com Imóvel em Garantia) that allow Brazilian property owners to use their real estate as collateral to access credit of up to R$ 10 million. Interest rates start at 1.19% per month + IPCA, with terms up to 180 months. The offering is delivered through a 100% digital origination process covering credit analysis, property appraisal, electronic contract signing, and lien registration, typically completing in 4 days. A credit portability service is offered for refinancing existing loans from other institutions.

Product overview

Galleria Bank operates as a direct-to-consumer Home Equity lending platform under Grupo Galleria, a financial group that includes Galleria Sociedade de Crédito Direto (SCD), authorized and regulated by Brazil's Central Bank. The company's primary product is the Home Equity loan (Empréstimo com Imóvel em Garantia), where borrowers use real estate as collateral to access credit up to R$ 10 million at competitive rates starting from 1.19% per month + IPCA, with terms up to 180 months and a 100% digital process. This core offering is complemented by a credit portability service for debt refinancing, a customer portal for account management, and a partner/referral program (Seja Parceiro) with a companion incentive program (Galleria Club 2026). The portfolio is unified around Home Equity lending with supporting tools for customers and partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Equity (Empréstimo com Imóvel em Garantia) Home Equity loan where borrowers use their real estate property as collateral to access credit up to R$ 10 million, with interest rates starting at 1.19% per month + IPCA, terms up to 180 months, and a fully digital process with contract signing in up to 4 days. Targeted at Brazilian property owners needing high-value credit for business expansion, debt consolidation, working capital, or renovation.
• Portabilidade de Crédito (Credit Portability)

Quantifiable outcome

• Interest rates up to 4x lower than personal loans
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Emerging players

• Geru: Brazilian online consumer lending platform that uses alternative data to underwrite personal loans. Competes with Galleria Bank for a portion of the same Brazilian borrower pool seeking digital credit alternatives to traditional banks.

Broad incumbents

• Banco Inter: Brazilian digital bank offering consumer credit, payroll loans, and increasingly home equity products. Overlaps with Galleria Bank in the digital Brazilian consumer/SME credit space with broader portfolio scale.
• Nubank: Brazil's largest digital bank with a broad consumer credit offering including personal loans and overdraft. Competes with Galleria for the same Brazilian consumer base seeking affordable credit, though its credit is unsecured.
• Banco Pan: Brazilian consumer finance bank offering personal loans, payroll lending, and secured credit. Comparable to Galleria Bank as a Brazilian lender serving individuals and SMEs with installment credit products.
• BV (Banco Votorantim): Large Brazilian bank offering home equity (Crédito com Garantia de Imóvel) among a wider product portfolio. Comparable as an alternative provider of real-estate-secured consumer credit in Brazil, though not digital-native.

Direct peers

• Porto Real Investimentos: Brazilian lender focused on real estate-backed credit, including home equity. Operates in the same product category as Galleria Bank for Brazilian homeowners seeking property-secured loans.
• Money Plus: Brazilian fintech specializing in home equity and property-secured loans. Competes with Galleria Bank in the same digital real-estate-backed credit niche targeting Brazilian consumers and businesses.
• Creditas: Brazil's largest digital home equity and asset-backed lending platform. Directly comparable to Galleria Bank as both target Brazilian property owners with online secured credit, employing digital origination and property appraisal workflows.

Regional players

• Simplic (formerly Simplic Soluções Financeiras): Brazilian fintech focused on payroll-deductible loans and consumer credit for public-sector and corporate workers. Adjacent peer sharing the digital consumer credit space with Galleria, particularly in serving underserved borrowers.
• Juntos Somos Mais: Brazilian fintech operating in the consumer credit space with secured lending options. Comparable to Galleria in serving Brazilian borrowers seeking alternatives to high-rate personal loans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/galleria-bank
• Instagraminstagram.com/galleriabank
• Xx.com/GalleriaBank
• Facebookfacebook.com/galleriabank

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Galleria Bank