CDL Cuiabá

What CDL Cuiabá does

CDL Cuiabá (Câmara de Dirigentes Lojistas de Cuiabá) is a non-profit civil trade association founded on April 18, 1973 in Cuiabá, Mato Grosso, Brazil, affiliated with the national Sistema CNDL and FCDL-MT federation. It represents approximately 10,000 associated small and medium retail and service businesses in a metropolitan market of roughly 48,000 retail establishments, where commerce and services account for ~70% of municipal GDP. The organization also serves individual consumers through CPF monitoring, Cadastro Positivo enrollment, and credit recovery services.

The association's product portfolio is built on three core service lines distributed through partner infrastructure: (1) SPC credit protection and credit bureau services operated through the national SPC Brasil system, including credit analysis, prospection, portfolio management, and SPC Dados intelligence; (2) CDL Celular mobile telephony offered in partnership with Tempo Telecom, with Tele Gestor self-service web management for consumption tracking; and (3) digital certification services (Certificado Digital) issued through Serasa Experian, with over 40,000 annual emissions. Supplementary product lines include CDL PAY (payments), CDL CRED (credit), CDL Saúde (health benefits), CDL Mulher (women's entrepreneurship), a delivery marketplace for member merchants, and the Espaço CDL event venue with a 246-seat amphitheater and 150-person foyer. The Núcleo de Inteligência de Mercado publishes employment panorama research and economic data via Power BI dashboards.

CDL Cuiabá operates on a subscription-based membership revenue model with annual recurring fees, supplemented by per-transaction and per-emission fees from digital certification, mobile plan margins from CDL Celular, event venue rental income, and fees from financial service products. Distribution is multi-channel: direct membership enrollment via website, phone, WhatsApp, and in-person visits; the CDL + Itinerante mobile outreach program for neighborhood-level engagement; and event-driven acquisition through CONECTA MT (in partnership with Sebrae MT), Natal Premiado, and Liquida Centro shopping campaigns. Current president Júnior Macagnam leads the executive team alongside executive manager Fábio Granja and CDL Social director Maria Cândida Camargo, with a 51–100 employee headcount operating from the modern headquarters inaugurated in 2002 at Avenida Getúlio Vargas, 750.

Name

CDL Cuiabá

Legal name

Câmara de Dirigentes Lojistas de Cuiabá

Website

https://cdlcuiaba.com.br

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

51–100 employees

Short description

CDL Cuiabá is a 53-year-old non-profit retail trade association in Mato Grosso, Brazil, serving ~10,000 associated SMBs with SPC credit protection, CDL Celular mobile telephony, Serasa digital certification, financial services, and an event venue, affiliated with the national CNDL/SPC Brasil network.

Ownership category

akta.pro rank

Headquarters

HQ city

Cuiabá

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Fees: CDL Cuiaba generates revenue through annual membership fees charged to associated businesses (approximately 10,000 companies). Members receive access to credit protection services (SPC), certification digital, mobile telephony, and other business support services.
2. SPC Credit Protection Services: Revenue from the SPC (Serviço de Proteção ao Crédito) service, providing credit consultation, debtor monitoring, and portfolio management for member retailers. Operated in partnership with SPC Brasil.
3. CDL Celular Mobile Telephony: Mobile telecommunications service offered to members, providing voice and data plans with national roaming included, online consumption management, and personalized customer service.
4. Digital Certification: Digital certificate issuance services (Certificado Digital) offered to member businesses for electronic signature and regulatory compliance, with over 40,000 annual emissions.
5. Events and Venue Rental: Revenue from the Espaço CDL event venue, which hosts seminars, workshops, corporate events, and training sessions. The space includes an amphitheater (capacity 246) and foyer (capacity 150).
6. Business Intelligence and Research: Market intelligence reports, employment panorama publications, and economic research produced by the Núcleo de Inteligência de Mercado, distributed to members and published on the website.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

CDL Cuiabá is a non-profit trade association that delivers credit protection and SPC Brasil consulting services, digital certification, mobile fleet management (CDL Celular), business intelligence, an event venue (Espaço CDL), and ancillary financial services (CDL PAY, CDL CRED) to approximately 10,000 associated retail and commercial businesses in Cuiabá and Mato Grosso, Brazil.

Product overview

CDL Cuiabá operates as a Chamber of Commerce representing retail businesses, offering a portfolio of credit protection, business intelligence, and operational services. The core offerings include SPC Net (credit protection and querying), CDL Celular (mobile fleet management), digital certification, and SPC Brasil credit services (credit analysis, portfolio management, prospection). The product line is distributed through an integrated model where SPC Brasil services (Análise de Crédito, Prospecção, Gestão de Carteira, SPC Dados) form the business intelligence layer, CDL Celular with Tele Gestor web management serves telecommunications needs, and supplementary services include CDL PAY, CDL CRED, Espaço CDL event venue rental, DELIVERY merchant platform, and a Market Intelligence unit. The entity also publishes the CDL Empresarial magazine and conducts periodic market research including employment panorama reports.

Differentiator

Problem solved

Functional benefit

Products and services

• SPC Net Credit protection and query service enabling businesses to check consumer credit histories and manage credit transaction risk, operated via SPC Brasil integration.
• CDL Celular Mobile fleet management service for member businesses providing voice, SMS, and data plans with online consumption management, unlimited calls, national roaming exemptions, and free technical assistance.
• Certificação Digital Digital certificate issuance service for electronic signatures and business authentication, delivered in partnership with Serasa Experian.
• CDL PAY Payment services offered to member businesses.
• CDL CRED Credit services offered to member businesses.
• Espaço CDL Event venue rental service featuring a 246-seat amphitheater (408 m²), a foyer with capacity for 150 people, multimedia equipment, and Wi-Fi connectivity.
• CDL Delivery Online platform allowing member merchants to register and expose their delivery services to local customers, with profiles including business description, categories, social media, and WhatsApp contact.
• Recuperação de Crédito Credit recovery services that help businesses collect outstanding debts and assist consumers in resolving their credit status.
• Monitorar Informações Information monitoring service for tracking credit and business data on behalf of members and consumers.
• CDL Saúde Health-related services offered to member businesses and their employees.
• Núcleo de Inteligência de Mercado Market intelligence unit providing employment panorama research, economic data publications (Revista CDL Empresarial, Panorama do Emprego), and data visualization via Power BI dashboards for members.

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Sebrae Mato GrossocoreStrategic or Co-development Partner · 5 August 2026CDL Cuiaba partners with Sebrae MT to co-organize CONECTA MT (August 5-6, 2026), an innovation and technology fair and business networking event. The partnership leverages CDL Cuiaba's retail business network andSebrae MT's SME support programs and digital marketing expertise.
• SPC BrasilcoreTechnology or IntegrationSPC Brasil is the national credit bureau system operated by CNDL. CDL Cuiaba is a local member of the SPC network, providing credit protection, debtor consultation, and portfolio management services to its associated retailers. SPC Brasil supplies the infrastructure, data, and products including SPC Net, SPC Dados, credit analysis, prospection, and portfolio management tools.
• Sicoob CredisulminorOthersSicoob Credisul is listed as a partner of CDL Cuiaba, likely providing financial services or cooperative banking solutions for members.
• Sinfac MT (Sindicato dos Funcionalistas do Comércio)minorOthersListed as a partner organization on CDL Cuiaba's website.
• ContitecminorOthersListed as a partner organization on CDL Cuiaba's website.
• Perona AdvogadosminorOthersListed as a partner organization on CDL Cuiaba's website.
• NWADVminorOthersListed as a partner organization on CDL Cuiaba's website.
• Abrasel MT (Associação Brasileira de Bares e Restaurantes)minorOthersListed as a partner organization on CDL Cuiaba's website.
• Sincofarma MTminorOthersListed as a partner organization on CDL Cuiaba's website.
• ABIH MT (Associação Brasileira da Indústria Hoteleira)minorOthersListed as a partner organization on CDL Cuiaba's website.
• Sinapro MTminorOthersListed as a partner organization on CDL Cuiaba's website.
• Secovi MTminorOthersListed as a partner organization on CDL Cuiaba's website.
• Sindico LegalminorOthersListed as a partner organization on CDL Cuiaba's website.
• Tempo TelecomcoreTechnology or IntegrationCDL Celular mobile service was launched in partnership with Tempo Telecom, providing mobile voice and data services to CDL Cuiaba members with nationwide roaming, online consumption management, and personalized customer support.
• Serasa ExperiancoreTechnology or IntegrationCDL Cuiaba offers digital certification services (Certificado Digital) in partnership with Serasa Experian, with more than 40,000 emissions per year and global service availability.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Boa Vista SCPC: One of Brazil's largest credit bureaus, a national incumbent competitor to SPC Brasil. Comparable as an alternative provider of credit reporting, debtor database, and credit analysis services that compete with the same offerings CDL Cuiabá distributes via SPC Brasil.
• Serasa Experian: Brazil's leading credit bureau and partner of CDL Cuiabá for the Certificado Digital product (>40,000 emissions/year). Comparable as a national-scale credit information provider operating alongside CDL Cuiabá's local distribution channel.
• SPC Brasil: National credit bureau operated by CNDL; supplies the SPC Net, credit analysis, prospection, and portfolio management products that CDL Cuiabá resells locally. Comparable as the upstream infrastructure and brand behind CDL Cuiabá's core service.

Direct peers

• ACSP (Associação Comercial de São Paulo): Historic São Paulo commerce association offering analogous member services including credit protection (Boa Vista partnership), digital certification, and representation. Comparable as a parallel chamber-of-commerce model in Brazil.
• FCDL-MT (Federação das Câmaras de Dirigentes Lojistas de Mato Grosso): Mato Grosso state-level federation of CDL chambers. CDL Cuiabá is affiliated with FCDL-MT. Highly comparable as a peer federation providing the same trade association, credit protection, and representation services at the state level.
• CNDL (Confederação Nacional dos Dirigentes Lojistas): National federation of CDL chambers in Brazil, including CDL Cuiabá. Operates SPC Brasil as the core credit bureau infrastructure. Directly comparable as the umbrella organization governing the same chamber-of-retail-directors model that CDL Cuiabá executes locally.
• CDL São Paulo: Largest CDL chamber in Brazil. Operates the same retail-director association model, SPC credit protection, digital certification, and member services as CDL Cuiabá, but at significantly larger scale in São Paulo.

Regional players

• Fecomércio (Federação do Comércio de Bens, Serviços e Turismo do Estado): State-level commerce federation with overlapping membership base and advocacy mission. Comparable as a regional commerce representative body serving the same SME retail constituency as CDL Cuiabá.

Emerging players

• Tempo Telecom: Wholesale MVNO partner powering CDL Celular mobile services. Comparable as the enabling telecom infrastructure partner whose technology stack underpins one of CDL Cuiabá's core recurring revenue streams.

Others

• Sebrae (Serviço Brasileiro de Apoio às Micro e Pequenas Empresas): Brazilian SME support agency partnering with CDL Cuiabá on CONECTA MT. Comparable as a strategic ally in delivering SME training, digital marketing, and innovation programs to the same retail member base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/CDL765
• Facebookfacebook.com/cdl.cuiaba
• Instagraminstagram.com/cdlcuiaba
• Xx.com/cdlcuiaba

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

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 CDL Cuiabá