Facta Financeira

What Facta Financeira does

Facta Financeira S.A. CFI is an independent Brazilian financial institution founded in 2012 and headquartered in Porto Alegre, specializing in consigned and payroll-deductible consumer lending. The company serves four primary borrower segments — INSS retirees and pensioners, formal CLT workers, federal and state public servants, and workers with FGTS balances — through six product lines: Empréstimo INSS, Empréstimo FGTS, Crédito do Trabalhador, Consigned loans under Siape/IPE conventions, Facta Fácil personal loans, and Cartão Benefício Consignado, plus a portabilidade (loan portability) offering. Its revenue model is interest and fee income on small-ticket loans, with a stated minimum contract of R$494.93, terms of 12–84 installments, and interest rates starting from 1.35% per month under government-determined consignment conventions.

The company's core technology is a proprietary digital lending platform that handles the full origination flow — credit simulation, automated offer matching to customer profile and available margin, digital contract signing, and document submission — entirely online. Identity verification and fraud prevention are supported through facial biometric authentication integrated via a partnership with UNICO Tecnologia da Informação S.A., with biometric data captured from selfies during app registration. Distribution combines a self-service web platform (autocontratacao.factafinanceira.com.br), WhatsApp and SAC phone channels, employer conventions (empresas conveniadas), and a partnership with the federal Carteira de Trabalho Digital platform that surfaces Crédito do Trabalhador products inside the government work-portfolio app. Physical presence is maintained through partner professionals across all 27 Brazilian states, giving Facta a dual digital-plus-localized national reach uncommon for a non-bank lender.

Facta is privately held with no disclosed external investors, funding rounds, or parent banking group. Its registered legal entities include Facta Financeira S.A. CFI (the primary lender, CNPJ 15581638000130, Porto Alegre) and Facta Intermediação de Negócios Ltda. (CNPJ 01.360.251/0029-40, São Paulo), the latter acting as intermediary. Government conventions (convênios) with INSS, FGTS, Siape and IPE underpin the consigned lending model and represent the structural source of its preferential access to payroll- and benefit-deducted receivables. No revenue, headcount, M&A or funding data is publicly disclosed in the available source material.

Name

Facta Financeira

Legal name

Facta Financeira S.A CFI

Website

https://factaonline.com.br

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Facta Financeira is a Brazilian digital lender founded in 2012, offering consigned and payroll-deductible loans to INSS retirees, CLT workers, and public servants across all 27 states via a 100% online platform.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Consigned loan services
• Payroll deduction loans
• Personal loan services
• Loan portability
• Digital lending platform

Headquarters

HQ city

Porto Alegre

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Facta earns revenue through interest charged on consigned loans including Empréstimo INSS, Empréstimo Consignado, Crédito do Trabalhador (CLT), and Empréstimo FGTS. Interest rates start from 1.35% per month with effective cost rates (CET) from 20.16% per year.
2. Portability Fees: Revenue generated from loan portability services where customers transfer their existing loans to Facta for better rates.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

Core offering

Facta Financeira is a Brazilian independent digital financial institution that offers consigned and personal loan products targeting INSS retirees and pensioners, CLT workers, government employees, and FGTS account holders. The company operates a 100% digital lending platform covering credit simulation, biometric authentication, contract signing, and document submission, with credit released via PIX within 24 hours for selected products. Loan installments are automatically deducted from payroll or social security benefits through partnerships with government conventions (INSS, Siape, IPE) and employer agreements.

Product overview

Facta Financeira is a digital-first financial services company offering a comprehensive portfolio of consigned and payroll-deductible loan products. The company operates with 100% digital processes and technology-driven systems from credit simulation through contract signing. Core products include: INSS loans for retirees/pensioners, FGTS loans, Crédito do Trabalhador (CLT payroll loans), Portability services, Consigned loans (INSS/Siape/IPE), Facta Fácil personal loans, Consigned benefit cards, and Saque Aniversário FGTS loans. All products leverage automated technology for credit offer personalization based on client profile, with emphasis on fast processing (credit release within 24 hours) and secure digital contracting.

Differentiator

Problem solved

Functional benefit

Brands

• Facta Fácil: Personal loan product offered by Facta Financeira for quick credit access.
• Crédito do Trabalhador
• Empréstimo Consignado INSS
• Empréstimo Saque Aniversário FGTS
• Cartão Benefício Consignado

Products and services

• Empréstimo INSS (INSS Loan) Loan product for INSS retirees and pensioners where installments are directly deducted from their social security benefit. Loans extend up to 84 installments with interest rates starting from 1.35% per month and CET starting from 1.35% monthly.
• Empréstimo FGTS (FGTS Loan) Loan product for workers who have or have had formal employment (CLT) and have accumulated balances in their FGTS account. Credit is released quickly via PIX.
• Crédito do Trabalhador (Worker Credit) Credit modality exclusive for workers with formal employment (CLT) where installments are automatically deducted from payroll, allowing up to 35% of salary for loan payment. Offers lower interest rates and less bureaucracy compared to personal loans, with terms up to 12 months and no credit history check required.
• Portabilidade de Empréstimo (Loan Portability) Loan portability service allowing clients to transfer their existing loans from other institutions to Facta Financeira, potentially obtaining better interest rates and payment conditions.
• Empréstimo Consignado Siape e IPE Special consigned loans for public servants under Siape (federal) and IPE (state) conventions with dedicated rates and automatic payroll deduction. Terms from 12 to 84 installments with best market rates.
• Empréstimo Pessoal Facta Fácil Personal loan product with quick credit release (up to 24 hours after contract signing) that clients can formalize safely and online from anywhere for any purpose.
• Cartão Benefício Consignado Consigned benefit card for eligible beneficiaries where installments are deducted directly from the client's benefit or salary, offering convenience and automatic payment processing.
• Empréstimo Saque Aniversário FGTS Loan product based on the anniversary withdrawal modality of FGTS, allowing credit release up to 24 hours after contract signing with fully online and secure process.
• Convênio Especial Special agreement loan products for workers in companies that have partnership agreements (convênios) with Facta Financeira.

Quantifiable outcome

• 100% digital processes from simulation to contract signing
• +4 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core.

• UNICO TECNOLOGIA DA INFORMAÇÃO S.A.coreTechnology or IntegrationUNICO provides facial biometric technology for fraud prevention and identity verification. They receive and store personal and biometric data including selfies captured during app registration for facial recognition authentication in loan contracts.
• Employer Companies (Empresas Conveniadas)coreChannel Partner/ Reseller/ DistributorPartner employers allow Facta to offer Crédito do Trabalhador to their CLT employees through company payroll deduction conventions. These partnerships enable access to formal workers and facilitate automatic payment collection.
• Carteira de Trabalho DigitalcoreChannel Partner/ Reseller/ DistributorPartnership with the Brazilian government's Digital Work Portfolio platform allowing Facta to offer loan products directly through the official government application for CLT workers.
• INSS ConventioncoreChannel Partner/ Reseller/ DistributorConvention with Instituto Nacional do Seguro Social allowing Facta to offer loans to INSS beneficiaries with automatic benefit deduction, subject to government-established rates and margins.
• FGTS (Fundo de Garantia do Tempo de Serviço)coreChannel Partner/ Reseller/ DistributorPartnership enabling FGTS-based loan products including Empréstimo Saque Aniversário where workers can borrow against their accumulated FGTS balance.
• Siape ConventioncoreChannel Partner/ Reseller/ DistributorConvention for federal public servants under Siape (Sistema Integrado de Administração de Pessoal) enabling dedicated loan products with preferential rates.
• IPE ConventioncoreChannel Partner/ Reseller/ DistributorConvention for state public servants under IPE enabling specialized loan products for state government employees.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/factacreditoonline
• Instagraminstagram.com/factacreditoonline

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 Facta Financeira