Facta Financeira
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.
- Company typePrivate
- Founded2012
- HeadquartersPorto Alegre, Brazil
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
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.
Facta Financeira firmographics
Firmographics- 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
Facta Financeira industry classification
Industry- 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
Where Facta Financeira is headquartered
LocationHeadquarters
- HQ city
- Porto Alegre
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Facta Financeira business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Others
Revenue model
- 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.
- Portability Fees: Revenue generated from loan portability services where customers transfer their existing loans to Facta for better rates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | INSS Loans - Aposentados e Pensionistas |
| Subscription | Pay-as-you-go | FGTS Loans - Saque Aniversário |
| Subscription | Monthly | Crédito do Trabalhador - CLT |
| Other | Monthly | Portabilidade |
| Subscription | Monthly | Consignado Siape e IPE |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels5 records
Facta Financeira product offering
Product offeringCore 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
Companies that use Facta Financeira
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles4 records
Facta Financeira technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature4 records
Facta Financeira partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- UNICO TECNOLOGIA DA INFORMAÇÃO S.A.coreUNICO 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)corePartner 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 DigitalcorePartnership 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 ConventioncoreConvention 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)corePartnership enabling FGTS-based loan products including Empréstimo Saque Aniversário where workers can borrow against their accumulated FGTS balance.
- Siape ConventioncoreConvention for federal public servants under Siape (Sistema Integrado de Administração de Pessoal) enabling dedicated loan products with preferential rates.
- IPE ConventioncoreConvention for state public servants under IPE enabling specialized loan products for state government employees.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Facta Financeira competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights6 records
Customer concentration
Facta Financeira social profiles
Digital presenceFacta Financeira financial estimates
Financial estimateRevenue estimate
Valuation estimate
Facta Financeira leadership team
Management profileNumber of profiles
Facta Financeira funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Facta Financeira M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Facta Financeira
What does Facta Financeira do?
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.
Is Facta Financeira a public or private company?
Facta Financeira is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Facta Financeira founded?
Facta Financeira was founded in 2012. It employs 1,001 to 5,000 people.
Where is Facta Financeira based?
Facta Financeira is headquartered in Porto Alegre, Brazil, in the Latin America region.
How does Facta Financeira make money?
Two revenue lines are on record. Interest Income from Loans are the primary driver. The others are portability Fees.
Does Facta Financeira have an API?
No public API is recorded for Facta Financeira.
What industry is Facta Financeira in?
Facta Financeira's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment), with a secondary code of FSAMAKAH, Lending & Credit Disbursements. Its NAICS code is 522 and its SIC code is 6141.