Integral Group

Integral Group is a privately-held Brazilian financial services conglomerate operating asset management, securities distribution, and real estate fund subsidiaries. Integral Investimentos manages ~R$14 billion across 20+ FIDC and fixed income funds, serving qualified investors, pension funds, and corporate credit originators in Brazil.

Company typePrivate
Founded2006
HeadquartersSão Paulo, Brazil
Headcount51–100
GTM typeB2B
OfferingServices

What Integral Group does

Integral Group is a privately-held Brazilian financial services conglomerate headquartered in São Paulo, founded in 1999 (Integral Trust) and operating across four wholly-owned subsidiaries: Integral Investimentos (asset management, founded 2006), Integral Trust (financial services and technology, founded 1999), Integral Access (securities distribution/DTVM, founded 2020), and Integral BREI (real estate fund management, founded 2014). Integral Investimentos is the operating core — a pioneer in FIDC (Credit Rights Investment Funds) and credit investment funds in Brazil since 2006, managing approximately R$14 billion across 23+ named FIDC vehicles covering vehicle finance (Renault, GM, Hyundai, Mitsubishi), consignado/payroll loans (Facta, Moleiro, Portoseg, Kovi, Vôngole, Multicred), agribusiness (Eurochem FIAGRO), and consumer credit, plus fixed income and multi-market funds. The company has transacted over R$50 billion cumulatively since 2006.

The business operates on a traditional asset management model: origination → structuring → management → distribution of regulated Brazilian investment funds. There is no proprietary technology platform disclosed; back-office is outsourced to fund administrators including BTG Pactual, Oliveira Trust, Banco Genial, BEM Distribuidora, and Santander Caceis. Distribution reaches end investors through 8+ major Brazilian digital investment platforms (BTG Pactual, XP, Warren, C6 Bank, Daycoval, Toro, Terra, Genial) plus the in-house Integral Access distributor targeting qualified and professional investors. Revenue derives from recurring management fees (typically 0.13%-0.75% p.a. depending on fund), performance fees (e.g., 20% on excess over 100% CDI), and distribution revenue. Customer segments include qualified retail investors, RPPS (pension funds), and corporate borrowers/originators (cedentes) supplying credit rights for securitization.

Integral Group firmographics

Firmographics

Name: Integral Group
Legal name: Integral Investimentos Ltda.
Website: https://integralinvest.com.br
Company type: Private
Founded year: 2006
Operating status: Operating
Headcount range: 51–100 employees
Short description: Integral Group is a privately-held Brazilian financial services conglomerate operating asset management, securities distribution, and real estate fund subsidiaries. Integral Investimentos manages ~R$14 billion across 20+ FIDC and fixed income funds, serving qualified investors, pension funds, and corporate credit originators in Brazil.
Ownership category
akta.pro rank

Integral Group industry classification

Industry

Product category: Asset Management
NAICS: Portfolio Management and Investment Advice (523940), Other Investment Pools and Funds (5259), Miscellaneous Intermediation (52391)
SIC: Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)
akta.pro primary industry: Investment Management Advisory (RIA) (FSAEAAAB)
akta.pro secondary industries: Fixed Income Mutual Funds (FSAAAEAB), Institutional Consulting RIAs (OCIO/Endowments/Foundations/Pensions) (FSAAACAG)

Keywords

Asset management
Structured credit funds
Credit rights funds
Private credit
Fund distribution

Where Integral Group is headquartered

Location

Headquarters

HQ city: São Paulo
HQ country: Brazil
HQ region: Latin America

Offices3 records

Markets served

Integral Group business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

Management Fees (Taxa de Administração): Recurring management fees charged on assets under management across investment funds, FIDC vehicles, and private credit portfolios. Rates vary by fund (e.g., 0.40% p.a. for INTEGRAL CASH RF CP, 0.75% p.a. for INTEGRAL FIRF CP, 0.13% p.a. for INTEGRAL ESTRUTURADO).
Performance Fees (Taxa de Performance): Performance-based fees charged when fund returns exceed benchmark thresholds (e.g., 20% on returns exceeding 100% CDI for INTEGRAL ESTRUTURADO).
Distribution Revenue: Revenue generated through the Integral Access distributor platform for distributing investment funds and structured products to qualified and professional investors.

Pricing tiers

Model	Billing	Price
Subscription	Monthly	INTEGRAL CASH RF CP - Fixed income fund for general investors
Subscription	Monthly	INTEGRAL ESTRUTURADO - FIDC fund for qualified investors
Subscription	Monthly	INTEGRAL FIRF CP - Fixed income credit fund
Subscription	Monthly	INTEGRAL ICATU PREVIDENCIÁRIO FIRF CP - Pension fund for private pension
Subscription	Monthly	FIDC TMAQ - Credit rights fund

Go-to-market motion2 records

Distribution channels9 records

Marketing channels6 records

Integral Group product offering

Product offering

Core offering

Integral Group is a Brazilian financial services conglomerate providing asset management, securities distribution, and corporate finance services. Integral Investimentos manages approximately R$14 billion across fixed income funds, multi-market funds, pension funds, and 20+ Credit Rights Investment Funds (FIDCs) covering vehicle financing, payroll loans, agribusiness receivables, and consumer credit. The firm operates a full-service platform covering origination, structuring, management, and distribution of credit investment products for qualified, professional, and institutional investors in Brazil.

Product overview

Integral Group is a Brazilian financial services conglomerate comprising four operating companies: Integral Investimentos (asset management), Integral Trust (financial services and technology), Integral Access (securities distribution), and Integral BREI (real estate fund management). Integral Investimentos manages approximately R$14 billion in assets across three main product categories: (1) Fixed Income Investment Funds (FIRF) including INTEGRAL CASH RF CP, INTEGRAL FUNDO DE INVESTIMENTO FINANCEIRO RENDA FIXA, and pension-focused INTEGRAL ICATU funds; (2) Credit Rights Investment Funds (FIDC) with 23 named funds covering vehicle loans (GM, Renault, Hyundai), consignado payroll loans (Moleiro, Facta, Portoseg, Kovi, Vôngole), agribusiness (Eurochem), and other credit segments; and (3) Multi-Market Funds including Alpha, Prevunisul, and Scandinavia. The group is a pioneer in FIDCs and structured credit funds in Brazil, having transacted over R$50 billion since 2006.

Differentiator

Problem solved

Functional benefit

Products and services

Integral Investimentos Asset Management The asset management arm of Integral Group. Pioneer in FIDCs (Credit Rights Investment Funds) and Credit Investment Funds, managing approximately R$14 billion in assets across investment funds, FIDCs, and private credit for qualified and institutional investors in Brazil.
Integral Trust Financial Services Financial services and technology company of Integral Group, founded in 1999, specializing in corporate finance and risk management with a track record of innovation in structured products.
Integral Access Securities Distribution Securities and values distributor (DTVM) of Integral Group, founded in 2020, distributing Integral Investimentos funds to qualified and professional investors, including serving as fund administrator for INTEGRAL LIQUIDEZ.
Integral BREI Real Estate Fund Management Real estate fund manager of Integral Group, created in 2014 by founder and CEO Vitor Bidetti, specializing in the Brazilian real estate market.
INTEGRAL CASH RF CP Fixed income fund for general investors with benchmark CDI, minimum investment of R$100, no performance fee. Managed by Integral Investimentos with BTG Pactual as administrator and custodian, distributed via BTG Pactual, Warren, and other platforms.
INTEGRAL ESTRUTURADO Structured investment fund applying resources in credit rights investment funds (FIDC) and related structured securities. Targeted at qualified investors. Administration fee 0.13% p.a., management fee 0.435% p.a., performance fee 20% on returns exceeding 100% CDI. Administered by Santander Caceis.
INTEGRAL FUNDO DE INVESTIMENTO FINANCEIRO RENDA FIXA Fixed income investment fund with private credit exposure, objective to generate returns above CDI in medium and long term. Established 2012.
INTEGRAL ICATU PREVIDENCIÁRIO FIRF CRÉDITO PRIVADO Exclusive pension-focused fixed income fund with duration-free credit exposure. Minimum 80% in private credit, domestic interest rate, or price index exposure. Administration fee 0.30% p.a.
INTEGRAL ICATU II FIFE FIRF PREVIDENCIÁRIO CRÉDITO PRIVADO Second exclusive pension-focused fixed income fund with credit exposure, similar structure to ICATU I with different fee structure.
INTEGRAL LIQUIDEZ Liquidity-focused fixed income fund targeting qualified and professional investors, invested in federal government securities indexed to pre/post-fixed rates.

Quantifiable outcome

R$ 50 billion+ in transactions completed since founding in 2006
+2 more outcomes

Companies that use Integral Group

Customer profile

Segments3 records

Ideal customer profiles3 records

Integral Group technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration8 records

Integral Group partnerships and signals

Strategic signal

Partnerships

16 partnerships are on record, tiered core, major and minor.

BTG Pactual Serviços FinanceiroscoreChannel Partner/ Reseller/ DistributorBTG Pactual serves as fund administrator and custodian for multiple Integral Investimentos funds including INTEGRAL CASH RF CP, INTEGRAL FIRF CP, and multimercado funds. BTG Pactual's digital platform also distributes Integral funds to retail investors.
Oliveira Trust DTVMcoreChannel Partner/ Reseller/ DistributorOliveira Trust serves as administrator and custodian for multiple FIDC vehicles including FIDC EUROCHEM, FIDC FACTA CONSIGNADO INSS, FIDC MULTICRED, FIDC RD, FIDC VIA CERTA, FIDC VIKING, FIDC MOLEIRO, and FIDC RENAULT. Also custodian for INTEGRAL LIQUIDEZ fund.
Banco Genial S.A.coreChannel Partner/ Reseller/ DistributorBanco Genial serves as administrator and custodian for FIDC ARGENTA, FIDC PAYJOY, FIDC TMAQ, and FIDC GWM. Also distributes through its Genial Investimentos platform.
Santander Caceis BrasilcoreChannel Partner/ Reseller/ DistributorSantander Caceis serves as administrator and custodian for INTEGRAL ESTRUTURADO (FIDC) fund, providing back-office and settlement services.
WarrenmajorChannel Partner/ Reseller/ DistributorWarren digital investment platform distributes INTEGRAL CASH RF CP fund to its retail investor base.
XP InvestimentosmajorChannel Partner/ Reseller/ DistributorXP Investimentos distributes INTEGRAL FIRF CP fund through its platform, reaching a broad base of retail and institutional investors.
C6 BankmajorChannel Partner/ Reseller/ DistributorC6 Bank distributes INTEGRAL FIRF CP fund to its digital banking customers.
Banco DaycovalmajorChannel Partner/ Reseller/ DistributorBanco Daycoval distributes INTEGRAL FIRF CP fund and serves as administrator/custodian for FIDC KOVI.
BEM Distribuidora de Títulos e Valores MobiliárioscoreChannel Partner/ Reseller/ DistributorBEM Distribuidora serves as administrator and custodian for FIDC GM VEÍCULOS, FIDC VIKING, FIDC VÔNGOLE, FIDC RENAULT, and FIDC HYUNDAI, and as fund administrator for INTEGRAL ICATU PREVIDENCIÁRIO funds.
Integral Access Distribuidora de Títulos e Valores MobiliárioscoreChannel Partner/ Reseller/ DistributorIntegral Access is the group's own securities distributor (DTVM) founded in 2020, distributing Integral Investimentos funds to qualified and professional investors. Also serves as fund administrator for INTEGRAL LIQUIDEZ.
Liberum RatingsminorOthersLiberum Ratings provides credit ratings for FIDC KOVI (Senior Quotas rated BBB) and FIDC ARGENTA (rating pending).
S&P Global RatingsminorOthersS&P Global Ratings serves as rating agency for FIDC FS FORTALECE, providing credit assessments for senior quotas (CDI + 4.00% p.a.).
Fitch Ratings BrasilminorOthersFitch Ratings provides credit ratings for FIDC GOLD CUSTOMER and FIDC PORTOSEG CDC (rated 'ASD(bra)').
Austin RatingminorOthersAustin Rating provides credit assessments for FIDC MITSUBISHI and FIDC TMAQ.
Standard & Poor's Ratings do BrasilminorOthersS&P provides credit ratings for FIDC VERDECARD and FIDC GOLD CUSTOMER.
Moody's América LatinaminorOthersMoody's provides credit ratings for FIDC GOLD CUSTOMER.

Scale indicators7 records

Recent moves8 records

Expansion highlights5 records

Integral Group competitors and assessment

Company assessment

Broad incumbents

Vinci Partners: Large Brazilian alternative investment firm (publicly listed) with credit, real estate, private equity, and infrastructure strategies. Overlaps with Integral across credit and RE fund offerings.
BTG Pactual Asset Management: Brazil's largest investment platform; BTG Pactual operates as both fund administrator for Integral funds and a competing asset manager. Dominant retail and institutional platform with significantly larger AUM.
Kinea Investimentos: One of Brazil's largest alternative asset managers (private equity, credit, real estate), owned by Itaú Unibanco. Comparable across credit fund offerings but considerably larger scale and institutional brand.

Direct peers

Octante DTVM: Securities distributor and asset manager focused on structured credit funds (FIDC) in Brazil. Overlapping product set, smaller scale, and similar target client base in the structured credit space.
Verde Asset Management: Brazilian credit-focused asset manager known for fixed income and credit strategies. Most directly comparable to Integral Investimentos in AUM, fund structure, and target investor base (qualified and institutional).
Iridium Asset Management: Brazilian credit-oriented asset manager with similar focus on fixed income and credit funds distributed via retail platforms (XP, BTG). Comparable scale and fund product set.
Capitânia Investimentos: Independent Brazilian asset manager specializing in credit, receivables, and structured credit funds (FIDC/CRI). Directly comparable product mix and institutional investor base to Integral Investimentos.
JGP Asset Management: Independent Brazilian asset manager with strong credit and macro capabilities; comparable distribution model and focus on qualified/professional investors.

Others

Oliveira Trust DTVM: Independent Brazilian fiduciary and fund administration firm that serves as custodian and administrator for multiple Integral FIDC vehicles; represents the institutional infrastructure counterpart supporting Integral's fund platform.

Emerging players

ARX Investimentos: Brazilian independent asset manager with focus on credit, infrastructure, and special situations. Smaller and more niche than Integral but operates in adjacent structured product markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Integral Group compliance and trust

Trust signal

Compliance1 record

Integral Group financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Integral Group leadership team

Management profile

Number of profiles

Profiles8 records

Integral Group subsidiaries and ownership

Company hierarchy

Subsidiaries3 records

Integral Group funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Integral Group M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integral Group

What does Integral Group do?

Is Integral Group a public or private company?

Integral Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Integral Group founded?

Integral Group was founded in 2006. It employs 51 to 100 people.

Where is Integral Group based?

Integral Group is headquartered in São Paulo, Brazil, in the Latin America region.

How does Integral Group make money?

Three revenue lines are on record. Management Fees (Taxa de Administração) is the primary driver. The others are performance Fees (Taxa de Performance) and distribution Revenue.

Who are Integral Group's main competitors?

Broad incumbents on record are Vinci Partners, BTG Pactual Asset Management and Kinea Investimentos. Direct peers are Octante DTVM, Verde Asset Management, Iridium Asset Management, Capitânia Investimentos and JGP Asset Management. Oliveira Trust DTVM is listed as an others. ARX Investimentos is listed as an emerging player.

Does Integral Group have an API?

No public API is recorded for Integral Group.

What industry is Integral Group in?

Integral Group's product category is Asset Management. Its primary akta.pro industry code is FSAEAAAB, Investment Management Advisory (RIA), with a secondary code of FSAAAEAB, Fixed Income Mutual Funds. Its NAICS code is 523940 and its SIC code is 6282.