Meu Financiamento Solar

What Meu Financiamento Solar does

Meu Financiamento Solar is the digital solar financing product of Banco BV (Banco Votorantim), a Brazilian retail bank headquartered on Avenida das Nações Unidas in São Paulo. Operating through bv.com.br, the BV App, WhatsApp at (11) 3003-1616, and a national network of certified solar installers, the platform offers 100% digital credit for photovoltaic systems covering individuals (Pessoa Física), businesses (Pessoa Jurídica), and condominiums, plus adjacent financing for batteries, solar inverters, and electric vehicle chargers. Underwriting is supported by Open Finance data sharing, and the product is sold alongside complementary insurance products (Seguro Placa Solar and Seguro Proteção Financeira).

The core technology stack is a web- and app-based financing simulation and origination layer integrated with BV's core banking systems and a dedicated installer portal. There are no disclosed proprietary models or AI capabilities; differentiators are process-based (end-to-end digital, no bureaucracy, fixed installments, first payment deferred up to 120 days) rather than algorithmic. The platform supports On-Grid, Off-Grid, and Hybrid configurations and is accessible throughout Brazil.

The business model is interest income on originated loans, priced at 1.38% per month (17.81% per year, CET 20.86%) with terms of 12 to 96 months and credit limits from R$5,000 to R$500,000 for individuals and up to R$3,000,000 for legal entities. Distribution is direct-to-consumer through BV's owned digital channels plus reseller-style installer partners, and the product sits inside a regulated bank (Banco BV S.A. and Banco Votorantim S.A.) that holds ISO/IEC 27001, 27017, 27018, 27701, 22301 certifications and the 2025 CNF fraud-prevention seal. No standalone revenue, funding, or headcount figures for the solar product line are disclosed.

Name

Meu Financiamento Solar

Legal name

Banco BV S.A.

Website

https://meufinanciamentosolar.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Meu Financiamento Solar is the digital solar credit platform of Banco BV in Brazil, offering 12–96 month loans up to R$3M to residential, commercial, and condominium customers for solar panels, batteries, inverters, and EV chargers.

Ownership category

akta.pro rank

Product category

Solar Energy Financing

NAICS

Commercial Banking (52211), Sales Financing (522220)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Solar Financing, Leasing & Ownership Platforms (Tax Equity, PPA, Securitization) (EUAMABAJ)

akta.pro secondary industry

Energy Efficiency & Green Retrofit Financing (FSALAHAK)

Keywords

• Solar energy financing
• Residential solar loans
• Commercial solar financing
• Condominium solar credit
• Digital lending platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Solar Financing Interest Income: Banco BV generates revenue through interest charged on solar financing loans. Customers pay fixed installments with competitive rates over 12-96 months. Example given: R$ 28,494.60 loan with R$ 866.76 monthly payments over 48 months at 1.38% monthly interest rate (17.81% annually).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Meu Financiamento Solar provides Banco BV's dedicated solar-energy financing line for Brazilian customers, offering credit from R$ 5,000 up to R$ 500,000 for individuals and up to R$ 3 million for legal entities, repayable in 12 to 96 fixed monthly installments with up to 120 days to first payment. The platform covers residential, condominium, and commercial solar installations (On-Grid, Off-Grid, and Hybrid) plus add-on financing for batteries, inverters, and EV chargers, complemented by solar panel and financial protection insurance.

Product overview

Meu Financiamento Solar by Banco BV is a solar energy financing platform offering multiple financing products. The core offering includes residential, condominium, and business solar financing with credit limits from R$ 5,000 to R$ 3 million and payment terms of 12 to 96 months. Add-on products include solar battery, inverter, and electric vehicle charger financing. Complementary insurance products (Seguro Placa Solar, Seguro Proteção Financeira) are available alongside. The platform supports On-Grid, Off-Grid, and Hybrid solar system configurations.

Differentiator

Problem solved

Functional benefit

Products and services

• Financiamento Solar Residencial Solar energy financing for residential properties in Brazil, offering credit limits up to R$ 500,000 for individuals to cover equipment and installation costs with payment terms of 12 to 96 months.
• Financiamento Solar para Condomínios Solar energy financing for residential and commercial condominiums in Brazil to reduce common-area electricity costs and increase property value, with no co-signer requirement.
• Financiamento Solar para Empresas Solar energy financing for Brazilian businesses and commercial properties, offering credit limits up to R$ 3 million for legal entities to cover equipment and installation with 12–96 month terms.
• Financiamento em Bateria Solar Financing for solar battery systems in Brazil, providing an alternative energy source for greater autonomy, independence from utility companies, and protection against power outages.
• Financiamento de Inversor Solar Financing for solar inverters in Brazil that transform panel-generated energy into usable electricity, ensuring greater efficiency and performance for photovoltaic systems.
• Financiamento de Carregador Veicular Financing for electric vehicle charging stations in Brazil, covering both residential home chargers and commercial eletropostos for businesses.
• Seguro Placa Solar Insurance product specifically designed for solar panels in Brazil, protecting against damage, theft, and other risks associated with solar energy equipment.
• Seguro Proteção Financeira Financial protection insurance in Brazil that can be contracted alongside solar financing to protect the borrower against unforeseen circumstances affecting loan repayment.

Quantifiable outcome

• Save up to 90% on electricity bill
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Solar Installer PartnerscoreImplementation/ SI/ Consulting PartnerNetwork of certified solar panel installers who partner with Banco BV to provide installation services. Installers can access a dedicated portal to simulate financing proposals for their clients. The partnership enables end-to-end service from financing approval to system installation.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/meu_finan_solar
• Facebookfacebook.com/meufinanciamentosolar
• LinkedInlinkedin.com/company/meu-financiamento-solar

Compliance6 records

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 Meu Financiamento Solar