Credere

What Credere does

Credere Ltda. is a privately held Brazilian financial services company headquartered in Guarulhos, in the São Paulo metropolitan area, that has operated continuously in the credit market for over 28 years (founded circa 1997). The company specializes in receivables anticipation and factoring (fomento mercantil) for small and medium Brazilian enterprises that sell on credit, transforming future receivables — duplicatas (invoices), cheques (checks), and boletos (payment slips) — into immediate working capital without generating on-balance-sheet debt for the client. Its core offerings are two parallel products: traditional Factoring and a CVM-regulated FIDC (Fundo de Investimento em Direitos Creditórios) structure that provides tax advantages (IOF and AD Valorem exemptions) and competitive rates.

The product portfolio extends beyond receivables anticipation to include Credere ESC, a Simple Credit Company (Empresa Simples de Crédito) offering PJ loans with reduced bureaucracy; Credere Conta Digital, a digital business account integrated with the receivables platform; Cobrança Simples (simplified collection services); and Fomento de Matéria-Prima, a raw-material financing program. Underlying technology is primarily digitization-oriented: end-to-end digital operations with e-CPF/e-CNPJ electronic signatures, a 1-day FLOAT on funded operations, same-day payment for submissions by 2 PM, and client-facing portals (Credere NET, Plataforma CRDC) integrated with technology partners CRDC and WBA. No proprietary AI/ML capabilities are evidenced.

Credere generates revenue primarily through transaction fees on receivables discounting and FIDC operations, using a pay-as-you-go pricing model with no minimum operation value but a R$50,000 minimum monthly billing requirement per client. The company distributes through a hybrid model — direct field consultant sales, self-service digital platforms, and a partner referral program (Programa de Parceiros) — and serves a horizontal segment of small and medium enterprises across Brazil, with concentration in the Southeast region. The firm has 11–50 employees, holds ISO certification (2023), and is a member of the SINFAC-SP and ABRAFESC industry associations.

Name

Credere

Legal name

Credere Ltda.

Website

https://credere.com.br

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Credere is a privately held Brazilian financial services company, founded circa 1997 and headquartered in Guarulhos (São Paulo), that provides receivables anticipation, factoring, FIDC, digital business banking, and PJ lending to small and medium enterprises across Brazil.

Ownership category

akta.pro rank

Product category

Commercial Factoring

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

Keywords

• Commercial factoring services
• Receivables anticipation
• SME credit solutions
• FIDC operations
• Business credit consulting

Headquarters

HQ city

Guarulhos

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring / Fomento Mercantil: Factoring fees charged on the anticipation of receivables (duplicatas, cheques, boletos). Companies sell their receivables at a discount to obtain immediate capital without taking on debt.
2. FIDC Operations: Fundo de Investimento em Direitos Creditórios (Investment Fund in Credit Rights) operations with competitive rates, including exemption from IOF and AD Valorem taxes.
3. Credere ESC - Crédito PJ: Simple Credit Company (Empresa Simples de Crédito) providing business loans with competitive rates, simpler processes, and faster approval compared to traditional banking.
4. Cobrança Simplificada: Simplified collection services for clients' outstanding receivables without requiring negotiation, using efficient and secure processes.
5. Fomento de Matéria-Prima: Raw material financing where the factoring company purchases inputs directly from suppliers on behalf of clients, enabling better prices through cash payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Credere is a Brazilian commercial factoring and credit consultancy firm that helps small and medium enterprises convert credit sales (receivables such as duplicatas, checks, and credit card receivables) into immediate cash through factoring (Fomento Mercantil) and FIDC (Fundo de Investimento em Direitos Creditórios) operations. Complementary offerings include Credere ESC business loans, Credere Conta Digital, simplified collection (Cobrança Simples), and raw material financing (Fomento de Matéria-prima). Operations are processed 100% digitally, with same-day payment for requests submitted by 2 PM and a 1-day FLOAT.

Product overview

Credere operates as a Consultoria e Fomento Mercantil (consulting and commercial factoring) company with a multi-product financial services portfolio. The core offerings are Factoring (Fomento Mercantil) and FIDC (Fundo de Investimento em Direitos Creditórios) services, both enabling businesses to anticipate receivables and transform credit sales into immediate capital without generating debt. Supporting products include Credere ESC for direct PJ loans, Credere Conta Digital for digital account management, Cobrança Simples for outsourced collection, and Fomento de Matéria-prima for raw material financing. The company targets small and medium enterprises (PMEs) needing liquidity, with services emphasizing transparency, same-day processing, flexible credit limits, and competitive rates including IOF and AD Valorem exemptions on FIDC operations.

Differentiator

Problem solved

Functional benefit

Brands

• FIDC Credere: Fundo de Investimento em Direitos Creditórios - Investment fund for credit rights providing receivable anticipation services
• Credere NET
• Cobrança Simples

Products and services

• Factoring (Fomento Mercantil) Factoring service that enables businesses to sell their receivables (duplicatas, checks, credit card receivables) to obtain immediate capital without generating debt. The company provides credit analysis, collection services, and fast fund disbursement for sales made on credit. Target users are small and medium Brazilian enterprises with cash flow gaps between sales and receivables.
• FIDC (Fundo de Investimento em Direitos Creditórios) Investment Fund in Credit Rights (FIDC) regulated by CVM that allows companies to anticipate receivables with competitive rates, IOF exemption, AD Valorem exemption, and legal security. Provides scalable operations suitable for growing businesses with recurring anticipation needs.
• Credere ESC - Crédito PJ (Business Loans) Simple Credit Company (Empresa Simples de Crédito) offering PJ (business) loans with less bureaucracy, faster approval, competitive interest rates, and flexible modalities adapted to different business scenarios and growth phases.
• Credere Conta Digital Digital business account providing autonomy, agility, and financial control for businesses, integrated with the Credere ecosystem for accounts receivables management.
• Cobrança Simples (Simplified Collection) Outsourced collection service that handles receivables management for clients using Credere's antecipação de recebíveis services, focusing on simplicity and automation without requiring active negotiation from the client.
• Fomento de Matéria-Prima (Raw Material Financing) Raw material financing service where Credere purchases inputs from suppliers on behalf of clients using their credit rights as collateral, enabling companies to maintain production without waiting for sales payments and achieve better pricing through cash purchases.

Quantifiable outcome

• Operations submitted by 2 PM can be paid on the same day
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• TERCONminorOthersPartner institution shown in institutional logos section, relationship details not specified in available content.
• SINGULAREminorOthersPartner institution shown in institutional logos section, relationship details not specified in available content.
• CRDCcoreTechnology or IntegrationCRDC is a technology platform partner for digital operations. Credere operates its Plataforma CRDC for managing receivables operations. Deep integration with CRDC systems for processing and tracking operations.
• BMPminorOthersPartner institution shown in institutional logos section, relationship details not specified in available content.
• SINFAC SPminorOthersSINFAC-SP (Sindicato das Sociedades de Fomento Comercial) - São Paulo factoring industry association. Represents and regulates factoring companies in São Paulo state.
• ABRAFESCminorOthersAssociação Brasileira de Fomento Comercial - Brazilian factoring industry association. National representative body for commercial factoring companies.
• WBAcoreTechnology or IntegrationWBA is a technology partner providing access to iWBA platform for receivables management. Clients can access their accounts through the WBA system at iwbarecebiveis.wba.com.br.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Banco Sofisa: Brazilian digital bank specialized in SME lending and working capital. Highly comparable to Credere in customer segment (small and medium businesses) and credit-driven business model, with a similar regional Brazilian focus.

Emerging players

• Inter&Co: Brazilian digital bank with a growing SME credit and receivables product set. Comparable to Credere as a digital-first financial services provider targeting Brazilian SMBs, but at significantly larger scale and with broader retail banking reach.
• C6 Bank: Brazilian digital bank serving individuals and SMEs with accounts and credit offerings. Comparable to Credere as a digital-first Brazilian financial services provider expanding into SME credit.
• PagBank PagSeguro: Brazilian digital bank and payment platform offering SME accounts and credit products. Comparable to Credere in serving Brazilian SMBs with combined digital banking and credit offerings, though at far larger scale.

Broad incumbents

• Banco Daycoval: Brazilian commercial bank with a long-standing factoring and SME credit franchise. Comparable to Credere as a Brazilian financial institution serving SMEs through receivables and working capital products, though operating at materially larger scale.
• Banco Votorantim (BV): Brazilian commercial bank with corporate and SME lending including receivables-backed products. Comparable to Credere in SME credit and Brazilian banking products, though at a much larger institutional scale.
• Banco BMG: Brazilian bank focused on credit and lending products for consumers and businesses. Comparable to Credere as a credit-led Brazilian financial institution with SME-facing lending capabilities.
• Stone Co: Brazilian fintech providing payments, banking, and credit services to merchants and SMEs. Comparable to Credere in SME target market and in offering credit and working capital products, supported by a much larger tech-enabled platform.
• Nubank: Largest Brazilian digital bank with expanding SME and credit products. Comparable to Credere as a digital-first financial services player in Brazil, though Nubank's scale, capital base, and product breadth vastly exceed Credere's.
• Banco Pine: Brazilian commercial bank focused on SME and middle-market corporate lending, including factoring and credit rights operations. Comparable to Credere in target SME segment and receivables-financing product mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@crederefactoring6466
• Facebookfacebook.com/credere.oficial
• LinkedInlinkedin.com/company/credere-ltda
• Instagraminstagram.com/credere.oficial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Credere