Fácil Soluções

What Fácil Soluções does

Fácil Soluções Tecnológicas em Informática S/A is a Brazilian fintech, founded around 2004–2005 and headquartered in João Pessoa, Paraíba, that builds and operates the Consigfácil platform for managing payroll-deducted loans (empréstimos consignados) and related optional employee deductions. The company serves three interconnected constituencies: employers and government bodies (which receive the platform at zero cost), consignatárias or lending institutions (which pay per-transaction fees to access borrowers and processing infrastructure), and individual employees (who use the web and mobile apps to consult margins, simulate and contract loans, authorize portability, and track contracts). With 51–100 employees and a presence across 21 Brazilian states, the platform processes more than 6 million transactions daily across 250+ active agreements.

The technology stack is centered on a financial data processing platform engineered for high-volume, high-reliability transaction handling, with full environmental redundancy claimed to deliver 100% service availability. Compliance is a foundational design principle: the company holds ISO 9001, ISO 27001 (since 2017), ISO 27018, ISO 27701, SOC 1, SOC 2 Type 1, SOC 2 Type 2, and SOC 3 certifications audited by BSI. These certifications are effectively a procurement requirement for selling to Brazilian banks, federal/state governments, and large corporates, and they function as a material regulatory moat. Distribution is omnichannel in a limited sense: enterprise field sales consultants conduct in-person visits to private companies and government bodies for bottom-of-funnel conversion, while organic social (LinkedIn, Instagram, Facebook) and a content blog support top-of-funnel awareness.

Fácil Soluções monetizes exclusively through transaction fees charged to consignatárias, with the employer-facing side of the platform offered at zero cost for adhesion and ongoing maintenance. The company is privately held — operating as a Sociedade Anônima under Brazilian law but not publicly traded — with no disclosed institutional investors, no funding rounds, and no M&A activity. Ownership and leadership details beyond the legal entity name (Fácil Soluções Tecnológicas em Informática S/A, CNPJ 07.527.919/0001-87) are not disclosed in the source material, which limits visibility into capital structure and governance.

Name

Fácil Soluções

Legal name

Fácil Soluções Tecnológicas em Informática S/A

Website

https://facilsolucoes.com.br

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

Fácil Soluções is a Brazilian fintech operating the Consigfácil SaaS platform for managing payroll-deducted loans (consignados). It serves employers, lending institutions, and employees across 21 Brazilian states, processing 6 million+ transactions daily and monetizing through per-transaction fees charged to lenders.

Ownership category

akta.pro rank

Product category

Consigned Lending Platform (Payroll-Deducted Loan Processing Software)

NAICS

Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Consigned lending platform
• Payroll deduction loans
• Loan processing software
• Credit management platform
• Financial technology services

Headquarters

HQ city

João Pessoa

HQ country

Brazil

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fee / Take Rate: Revenue generated by processing consignado (payroll-deducted loan) transactions. The platform is provided at zero cost to employer clients and government bodies, while consignatárias (lending institutions) pay for access to the borrower base and processing infrastructure. Operates on a per-transaction basis embedded in loan operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Consigfácil is a web and mobile platform that manages the full lifecycle of consigned (payroll-deducted) loans for Brazilian employers, lending institutions (consignatárias), and employees. The platform supports loan origination, margin verification, payroll deduction processing, and reporting across 21 states, processing approximately 6 million transactions per day. The service is offered free of charge to employers, with transaction fees charged to lending institutions.

Product overview

Fácil Soluções offers the Consigfácil system as its primary product — a unified SaaS platform for managing consignado (payroll-deducted loans) and optional deductions. The system provides a mobile app for employees to consult margins, simulate, and contract loans; administrative tools for lending companies (consignatárias) to automate operations; and reporting dashboards for employers and public agencies to monitor margins and compliance. The platform processes large volumes of financial transactions daily (over 6 million) across 21 Brazilian states and 250+ agreements, with zero cost of adhesion for employers.

Differentiator

Problem solved

Functional benefit

Brands

• Consigfácil: A platform for managing optional payroll deductions, providing services for employees, consignatárias (lending institutions), private companies, and public sector organizations. Features include margin consultation, loan simulation, contract tracking, and financial education.

Products and services

• Consigfácil

Quantifiable outcome

• Zero cost of adhesion and maintenance for employer clients
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Pismo: Brazilian-born cloud-native banking and payments infrastructure platform (acquired by Visa) — comparable as a fintech infrastructure peer that processes financial transactions at scale for financial institutions.
• QI Tech: Brazilian fintech infrastructure company providing APIs and embedded finance services (banking-as-a-service, credit, payments). Comparable as a fintech infrastructure layer, though QI Tech serves a broader set of use cases beyond payroll loans.
• Moveto: Brazilian HR and payroll solutions provider offering workforce management, payroll, and benefits administration — partially overlapping with Consigfácil's employer-side offerings in the HR tech stack.
• Caju: Brazilian benefits and multi-purpose payment platform serving employers with flexible employee benefits cards and payroll integrations — an adjacent platform competing for the same employer relationship that anchors Consigfácil.

Broad incumbents

• TOTVS: Largest Brazilian enterprise software company with broad HR, payroll, and financial management suites. Competes broadly for the employer's HR/payroll wallet where Consigfácil also competes, but does not focus on the consignado niche.
• Senior Sistemas: Established Brazilian HR, payroll, and ERP software vendor serving mid-market and enterprise employers — a broader incumbent in the same employer-side software category Consigfácil addresses.
• B3: Brazilian stock exchange and financial market infrastructure operator providing clearing, settlement, and processing services — comparable as a regulated infrastructure provider processing large volumes of financial transactions in Brazil.

Others

• Dataprev: Brazilian government technology company that operates social benefit and payroll platforms for INSS and other public entities. Adjacent given overlap with public-sector payroll data infrastructure that influences the consignado ecosystem.

Direct peers

• Convenia: Brazilian HR and benefits platform that helps employers manage payroll, benefits, and employee deductions — overlapping with Consigfácil's employer-side HR burden-reduction value proposition.
• Neoconsig: Brazilian payroll-deducted loan (consignado) management platform serving lenders, employers, and public sector entities with margin control, contract management, and payroll integration — directly comparable to Consigfácil's core offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/faciltecnologiaoficial
• LinkedInlinkedin.com/company/facilsolucoes
• Instagraminstagram.com/faciltecnologia

Compliance8 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 Fácil Soluções