Consórcio Roma
Consórcio Roma is a Brazilian consortium administrator founded in 1966 that offers interest-free consortium groups for real estate, motorcycles, heavy vehicles, solar panels, services, and consumer products to individual consumers and SMBs nationwide, generating revenue through monthly administration fees across multi-year group commitments.
- Company typePrivate
- Founded1966
- HeadquartersSantana De Parnaíba, Brazil
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Consórcio Roma does
Consórcio Roma, legally Cooperativa mista Roma, is a Brazilian consortium administration company founded in 1966 and headquartered in Alphaville, Barueri (São Paulo metropolitan area). It administers interest-free consortium groups across seven modalities: real estate (Imóveis), motorcycles, heavy vehicles (Pesados), solar panels, services (including travel and aesthetic procedures), and consumer products. Each modality offers standardized credit ranges over terms of 20 to 150 months, with selection via monthly assemblies tied to the Federal Lottery and optional 'lance' (bid) offerings. The company is regulated by the Banco Central do Brasil under Law 11.795/2008 and is a member of ABAC.
The underlying technology stack is a web-based consortium management platform supporting a public website, online simulation tools, and dedicated customer and partner portals (portal.consorcioroma.com.br) that provide real-time quota monitoring, assembly-result notifications (web, email, SMS), digital lance submission, statement access, and document management. The platform is complemented by multi-channel customer service including phone-based Central de Relacionamento, WhatsApp ('Resolva aqui'), and an Ombudsman channel. Integration with Brazil's FGTS (Provident Fund) enables real-estate participants to apply up to 100% of their FGTS balance toward lance offerings and credit supplementation.
Consórcio Roma's business model centers on administration fees of less than 0.5% per month on credit value, supplemented by a reserve fund (fundo de reserva) and optional life-insurance premiums. Go-to-market combines direct digital self-service, a centralized contact center, and an asset-light distribution network of thousands of authorized commercial partners ('representantes') across all five Brazilian regions, earning commissions on sales. The customer base is a long tail of individual consumers and SMB buyers acquiring vehicles, properties, solar systems, services, and consumer goods, with multi-year group participation creating recurring, duration-based revenue streams.
Consórcio Roma firmographics
Firmographics- Name
- Consórcio Roma
- Legal name
- Cooperativa mista Roma
- Website
- https://consorcioroma.com.br
- Company type
- Private
- Founded year
- 1966
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Consórcio Roma is a Brazilian consortium administrator founded in 1966 that offers interest-free consortium groups for real estate, motorcycles, heavy vehicles, solar panels, services, and consumer products to individual consumers and SMBs nationwide, generating revenue through monthly administration fees across multi-year group commitments.
- Ownership category
- akta.pro rank
Where Consórcio Roma is headquartered
LocationHeadquarters
- HQ city
- Santana De Parnaíba
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Consórcio Roma business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Administration Fee: Consórcio Roma charges an administration fee as the primary revenue stream. The fee is calculated as a percentage of the total credit value and is distributed over the plan period. The company states rates lower than 0.5% monthly, which is significantly lower than financing interest rates.
- Monthly Contributions: Monthly contributions from consortium participants form the common fund (fundo comum) used for contemplations, credit disbursements, and participant returns. This constitutes the operational pool rather than direct revenue.
- Reserve Fund: A reserve fund (fundo de reserva) is collected monthly to guarantee group operations in case of setbacks. Residual balances are distributed proportionally among active participants at group closure.
- Life Insurance Premium: Optional life insurance (seguro prestamista) is available as a monthly percentage to guarantee total or partial payment of installments in case of permanent disability or death.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Imóveis (Real Estate) - Credit range R$ 64,582.75 to R$ 532,700.00 |
| Subscription | Monthly | Motocicletas (Motorcycles) - Credit range R$ 25,922.50 to R$ 125,148.00 |
| Subscription | Monthly | Painéis Solares (Solar Panels) - Credit range R$ 36,158.50 to R$ 72,317.00 |
| Subscription | Monthly | Pesados (Heavy Vehicles) - Credit range R$ 60,000.00 to R$ 419,320.00 |
| Subscription | Monthly | Serviços (Services) - Credit range R$ 15,000.00 to R$ 30,000.00 |
| Subscription | Monthly | Produtos (Products) - Credit range R$ 36,158.50 to R$ 72,317.00 |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Consórcio Roma product offering
Product offeringCore offering
Consórcio Roma administers Brazilian consórcio plans across six modalities: real estate (R$64,582.75–R$532,700; 120–150 months), motorcycles (R$25,922.50–R$125,148; 20–70 months), heavy vehicles (R$60,000–R$419,320; 120–150 months), solar panels (R$36,158.50–R$72,317; 50–70 months), services such as travel and aesthetic procedures (R$15,000–R$30,000; up to 70 months), and consumer goods (R$36,158.50–R$72,317; 50–70 months). Participants pay interest-free monthly installments, optionally bid via lance to accelerate contemplation, and receive a credit letter upon being selected in monthly assemblies tied to Federal Lottery extractions.
Product overview
Consórcio Roma is a consortium (consórcio) administration company founded in 1966, offering a unified platform for multiple consortium modalities. The portfolio includes seven distinct product lines: Consórcio de Imóveis (real estate), Consórcio de Motocicletas (motorcycles), Consórcio de Pesados (heavy vehicles), Consórcio de Painéis Solares (solar panels), Consórcio de Serviços (services, covering travel and aesthetic procedures as sub-products), and Consórcio de Produtos (consumer goods). All modalities operate under the same membership, assembly, and credit letter framework, supported by self-service customer and representative portals. The company is regulated by the Banco Central do Brasil under Law 11.795/2008.
Differentiator
Problem solved
Functional benefit
Products and services
- Consórcio de Imóveis (Real Estate Consortium) Interest-free real estate consortium for individuals, offering credit letters from R$64,582.75 to R$532,700 over 120–150 month terms, usable for new or used properties, land, construction, renovation, or settlement of existing property financing. Participants may use up to 100% of their FGTS balance for lance offerings and credit supplementation.
- Consórcio de Motocicletas (Motorcycle Consortium) Interest-free motorcycle consortium for individuals, with credits from R$25,922.50 to R$125,148 over 20–70 months, enabling purchase of new or used motorcycles of any brand with monthly contributions starting at R$493.73.
- Consórcio de Pesados (Heavy Vehicle Consortium) Interest-free consortium for trucks, buses, vans, tractors, and agricultural/road equipment, with credits from R$60,000 to R$419,320 over 120–150 months and monthly contributions starting at R$591.36. Available to individuals and businesses.
- Consórcio de Painéis Solares (Solar Panel Consortium) Interest-free solar energy consortium for residential or commercial installations, with credits from R$36,158.50 to R$72,317 over 50–70 months and monthly contributions starting at R$658.05.
- Consórcio de Produtos (Consumer Products Consortium) Interest-free consumer goods consortium for appliances, furniture, electronics, cell phones, notebooks, and tablets, with credits from R$36,158.50 to R$72,317 over 50–70 months and monthly contributions starting at R$658.05.
- Consórcio de Serviços (Services Consortium) Interest-free consortium covering travel, home renovations, personal development (exchanges, courses), and aesthetic procedures, with credits from R$15,000 to R$30,000 over terms up to 70 months and monthly contributions starting at R$302.48.
- Online Consortium Plan Simulation Web-based self-service simulation tool at consorcioroma.com.br/simulacao that lets prospective participants request personalized quotes by providing their name, email, phone, preferred asset type (real estate, motorcycle, heavy vehicle, solar, services, products), and location, enabling lead capture and initial acquisition without direct sales contact.
Quantifiable outcome
- Taxa de administração inferior a 0,5% (administration fee lower than 0.5%)
- +1 more outcomes
Companies that use Consórcio Roma
Customer profileNamed customers10 records
Segments7 records
Ideal customer profiles5 records
Consórcio Roma technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Consórcio Roma partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Authorized Partners NetworkcoreThousands of authorized commercial partners across all Brazilian regions (Norte, Nordeste, Centro-Oeste, Sudeste, Sul) who represent and sell Consórcio Roma products. Partners have access to a dedicated portal and earn commissions on sales. The partner program emphasizes transparency, no surprises, and long-term relationships.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Consórcio Roma competitors and assessment
Company assessmentDirect peers
- Disal Consórcio: Brazilian consortium administrator with nationwide broker network and similar multi-modality portfolio. Independent competitor in the same market segment.
- Ademicon: Major Brazilian consortium administrator with broad modality coverage (real estate, automotive, motorcycles, services) and a strong authorized-broker network. Direct competitor in the same segment and distribution model.
- ZZN Consórcios: Independent Brazilian consortium administrator offering multiple modalities including real estate, vehicles, and motorcycles. Directly comparable to Consórcio Roma in scale and product breadth.
- Embracon: One of Brazil's largest independent consortium administrators, offering real estate, vehicle, and services consortiums nationwide. Closest direct competitor to Consórcio Roma in terms of independent, multi-modality positioning.
- Rodobens Consórcio: Brazilian consortium administrator with strong presence in vehicles (especially heavy vehicles and trucks) and real estate. Comparable multi-modality offering and authorized-broker distribution.
Broad incumbents
- Itaú Consórcios: Consortium arm of Itaú Unibanco, leveraging the bank's massive customer base, capital strength, and distribution. A broad incumbent in the same overall consortium market.
- BrConsórcios (Bradesco): Consortium arm of Bradesco, one of Brazil's largest banks. Offers consortium products to Bradesco's captive customer base across real estate, vehicles, and other categories. Competes broadly in the same space but with bank-level scale and capital.
- Porto Seguro Consórcios: Consortium operation of Porto Seguro, a major Brazilian insurance conglomerate. Offers real estate, vehicle, and motorcycle consortiums leveraging the parent's brand and customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights6 records
Customer concentration
Consórcio Roma social profiles
Digital presenceConsórcio Roma financial estimates
Financial estimateRevenue estimate
Valuation estimate
Consórcio Roma leadership team
Management profileNumber of profiles
Profiles5 records
Consórcio Roma funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Consórcio Roma 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 Consórcio Roma
What does Consórcio Roma do?
Consórcio Roma administers Brazilian consórcio plans across six modalities: real estate (R$64,582.75–R$532,700; 120–150 months), motorcycles (R$25,922.50–R$125,148; 20–70 months), heavy vehicles (R$60,000–R$419,320; 120–150 months), solar panels (R$36,158.50–R$72,317; 50–70 months), services such as travel and aesthetic procedures (R$15,000–R$30,000; up to 70 months), and consumer goods (R$36,158.50–R$72,317; 50–70 months). Participants pay interest-free monthly installments, optionally bid via lance to accelerate contemplation, and receive a credit letter upon being selected in monthly assemblies tied to Federal Lottery extractions.
Is Consórcio Roma a public or private company?
Consórcio Roma is a private company. It is classified as management employee owned and is currently operating.
When was Consórcio Roma founded?
Consórcio Roma was founded in 1966. It employs 101 to 250 people.
Where is Consórcio Roma based?
Consórcio Roma is headquartered in Santana De Parnaíba, Brazil, in the Latin America region.
How does Consórcio Roma make money?
Four revenue lines are on record. Administration Fee is the primary driver. The others are monthly Contributions, reserve Fund and life Insurance Premium.
Who are Consórcio Roma's main competitors?
Direct peers on record are Disal Consórcio, Ademicon, ZZN Consórcios, Embracon and Rodobens Consórcio. Broad incumbents are Itaú Consórcios, BrConsórcios (Bradesco) and Porto Seguro Consórcios.
Does Consórcio Roma have an API?
No public API is recorded for Consórcio Roma.