Saura Mais BB

What Saura Mais BB does

Saura Mais BB is a Brazilian financial services correspondent bank (COBAN) headquartered in Maringá, Paraná, that has operated exclusively as a Banco do Brasil correspondent since 2006. The company distributes BB's portfolio of credit, consortium, real estate financing, payroll-deducted loans (crédito consignado), dental plans, and capitalization titles to rural producers, agricultural professionals (agronomists, rural technicians, project designers), INSS retirees, public servants, and urban real estate buyers. Its distribution model relies on a network of accredited partners classified as ASTECs (technical agricultural assistants), ATNIs (real estate technical assistants), and ACRs (rural credit agents), supported by regional managers across 18 Brazilian states. Saura acts as Gestor de Rede Agro for Banco do Brasil since 2013 and, as of 2025, as Gestor ACR (Accredited Credit Agents Manager), placing it inside the bank's own distribution governance structure.

The company's underlying technology is a proprietary web-based partner management system called Sistema Web Saura, which partners use to track monthly commissions, register proposals, simulate credit operations, and monitor customer inquiries in real time. There is no mobile application; partner and customer interaction is conducted through the web system, the BB Consórcios portal and app for consortium management, and direct in-person intermediation by accredited partners. The company runs a sub-brand, Saura Agro Soluções, focused on agricultural solutions, and publishes a 35+ page content-marketing blog covering rural credit, agricultural technology, consortium, and real estate financing guidance. The company's product mix has expanded beyond traditional rural credit intermediation to include interest-free consortium plans, real estate advisory services for PMCMV, Pró-Cotista, and SFH/SBPE lines, and personal credit / loan portability offerings.

Saura Mais BB earns revenue through commissions paid by Banco do Brasil on credit operations, consortium sales, payroll loan origination, and real estate financing advisory processed through its partner network. Pricing on partner onboarding and credit simulations is zero-rated (no advance fees), while consumer pricing is set by BB's credit analysis — e.g., consignado rates from 1.75% per month and capitalization titles from R$50 per month. The firm employs 51-100 people, is privately held by four founding partners (Antônio Saura, Everson Saura, Marco Antônio Ricoldy, Robinson Santos), and reports no external institutional investors or M&A activity. Notable scale markers include R$212 million in consortium volume commercialized and 475 quotas contemplated between 2024 and March 2025, distinguishing it as the first COBAN in Brazil to commercialize consortium products for Banco do Brasil.

Name

Saura Mais BB

Legal name

Saura Mais BB

Website

https://saura.com.br

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

Saura Mais BB is a Banco do Brasil correspondent bank in Brazil that distributes rural credit, consortium plans, payroll loans, and real estate financing through accredited partner networks across 18 states, earning commission-based revenue.

Ownership category

akta.pro rank

Product category

Correspondent Banking Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA)

Keywords

• Correspondent banking
• Rural credit
• Consortium plans
• Payroll loans
• Real estate financing

Headquarters

HQ city

Maringá

HQ country

Brazil

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from Credit Operations: Saura Mais BB earns commissions from Banco do Brasil on all credit operations processed through its network of partners. Partners receive a percentage of each completed credit transaction, with commission payments made on the 15th of each month after invoice issuance.
2. Consortium Sales Commission: Commission-based revenue from selling consortium (group savings) plans for rural and urban assets including agricultural machinery, vehicles, properties, and residential/commercial real estate. Volume of 475 quotas contemplationed between 2024 and March 2025, with R$212 million commercialized.
3. Credit Consignado and Personal Credit: Commissions from payroll-deducted loans and personal credit products offered to public servants, INSS retirees, and private sector employees with Banco do Brasil convention agreements.
4. Real Estate Financing Advisory: Revenue from real estate financing advisory services including property assessment coordination, document preparation, and contract formalization support for Banco do Brasil financing products including PMCMV, Pró-Cotista, and SFH/SBPE lines.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Saura Mais BB operates as an exclusive correspondent bank (COBAN) for Banco do Brasil, distributing and intermediating the bank's full portfolio of financial products — including rural credit, payroll-deducted loans, real estate financing, interest-free consortium plans, personal credit, and dental plans — to rural producers and urban clients in Brazil. The company recruits, trains, certifies, and manages a nationwide network of accredited partners (ASTEC, ATNI, ACR) who originate and service these products in their local markets. Saura earns transaction commissions on each completed credit, consortium, or financing operation routed through Banco do Brasil.

Product overview

Saura Mais BB is a comprehensive financial services correspondent for Banco do Brasil, offering a unified portfolio of credit, financing, and consortium products for both rural and urban clients. The core offering centers on Rural Credit (Crédito Rural) for agricultural producers, Payroll Credit (Crédito Consignado) for employed and retired individuals, and Real Estate Financing (Financiamento Imobiliário) with specialized advisory services. The company also provides interest-free Consortium plans (Consórcio) for properties, vehicles, and agricultural equipment, Personal Credit solutions, Loan Portability, Dental Plans, and Capitalization Titles. An internal partner platform (Sistema Web Saura) enables authorized partners to track commissions and manage proposals.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Rural (Rural Credit) Rural credit financing for agricultural producers, including input purchases, equipment acquisition, property investment, and sustainable farming practices through Banco do Brasil's official rural credit lines (PRONAF, PRONAMP). Targeted at smallholder family farmers and medium-sized rural entrepreneurs.
• Crédito Consignado (Payroll-Deducted Loans) Payroll-deducted loans for public servants, INSS retirees, and employees of companies with Banco do Brasil convention agreements, with interest rates starting at 1.75% per month based on Banco do Brasil's credit analysis.
• Financiamento Imobiliário (Real Estate Financing) Real estate financing intermediated through Banco do Brasil with multiple loan lines: PMCMV (up to R$600,000), Pró-Cotista (up to R$2.25 million), and SFH/SBPE (up to R$5 million), financing up to 80% of property value for residential and commercial properties.
• Assessoria Imobiliária (Real Estate Advisory) Specialized advisory service that guides clients and partners through every step of real estate financing — documentation preparation, property inspection scheduling, proposal tracking, and contract formalization — including coordination of engineering inspection fees (R$1,490 for SFH/CH and 1.5% of the financing amount for Pró-Cotista and PMCMV lines).
• Consórcio (Consortium Plans) Interest-free consortium plans from Banco do Brasil for acquiring properties, vehicles, agricultural machinery, equipment, and solar energy systems, available to both rural and urban clients. Volume of 475 quotas contemplated between 2024 and March 2025, with R$212 million commercialized.
• Crédito Pessoal (Personal Credit) Personal credit solutions including salary credit, automatic credit, benefit credit, 13th salary advance, and FGTS advance, with monthly deductions from a Banco do Brasil current account, for individuals with BB convention agreements.
• Plano Dental (Dental Plan) Dental insurance plan offering affordable oral healthcare coverage for families, with installments that fit different budgets.
• Título de Capitalização (Capitalization Title) Capitalization title (Título de Capitalização) with monthly payments starting from R$50.00, offering savings discipline and chances to win monetary prizes.

Quantifiable outcome

• 475 consortium quotas successfully awarded to participants between 2024 and March 2025
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

One partnership is on record.

• Banco do BrasilcoreChannel Partner/ Reseller/ Distributor · 1 January 2006Since 2006, Saura Mais BB has operated as an exclusive correspondent banking partner (COBAN) for Banco do Brasil, distributing the bank's complete portfolio of financial products including rural credit, consortium, real estate financing, and payroll loans. The partnership provides Saura with regulatory legitimacy, access to official credit programs (PRONAF, PRONAMP), and direct integration with Banco do Brasil's systems and approval processes.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Will Bank: Will Bank operates as a digital correspondent bank in Brazil offering payroll-deductible loans (crédito consignado) and credit products. It competes with Saura in the INSS retiree and public servant consignado segment, though Will Bank's distribution is digital-first versus Saura's partner-led model.
• JK Soluções Financeiras: JK Soluções Financeiras operates as a correspondent bank in Brazil, distributing credit and consortium products through accredited partners. It mirrors Saura's partner-led intermediary model in similar product categories including rural credit and consortium.
• Connexus (formerly Geru): Connexus is a Brazilian correspondent bank and credit intermediary serving consumers and small businesses. It overlaps with Saura's intermediary role in distributing bank credit products, though with a more urban/consumer focus rather than Saura's rural and agricultural emphasis.

Broad incumbents

• Banco Bradesco: Bradesco is one of Brazil's largest private banks with substantial rural credit, real estate financing, and consignado operations. It maintains its own correspondent network and competes with Saura indirectly through its portfolio of products offered via its own channel partners.
• Banco do Brasil: Banco do Brasil is the parent bank whose products Saura distributes as a correspondent. While not a direct competitor (Saura is its channel partner), BB defines the addressable product set, commission rates, and regulatory framework that govern Saura's business model.
• Sicredi: Sicredi is a large Brazilian cooperative financial institution with strong presence in agribusiness and rural credit. It represents an alternative distribution channel for rural producers and competes indirectly with Saura by offering credit directly through its own cooperative network rather than through BB correspondents.
• Caixa Econômica Federal: Caixa is a major Brazilian federal bank with significant rural credit and real estate financing operations. While not a direct correspondent competitor, Caixa's PMCMV and housing finance programs overlap with Saura's real estate advisory services, and it maintains its own correspondent network competing for partner attention.

Regional players

• Cresol Cooperativa: Cresol is a Brazilian credit cooperative focused on small family farmers and agribusiness, particularly PRONAF-eligible producers. While structurally different (cooperative vs. correspondent), Cresol competes for the same rural credit customer base that Saura serves through Banco do Brasil's programs.

Emerging players

• Traive Finance: Traive is a Brazilian agricultural finance platform connecting producers with multiple lenders through digital channels. It represents the emerging fintech alternative to traditional correspondent-based rural credit distribution that Saura relies on.
• Agrolend: Agrolend is a Brazilian fintech specializing in direct digital credit to rural producers. It competes with Saura's rural credit intermediation by offering producers a faster, more direct digital alternative to bank-originated loans through correspondents.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/SauramaisBBMatriz/?locale=pt_BR
• LinkedInbr.linkedin.com/company/saura-mais-bb
• Instagraminstagram.com/saura.maisbb

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 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 Saura Mais BB