Consórcio Reserva

What Consórcio Reserva does

Consórcio Reserva, operating as RESERVA ADMINISTRADORA DE CONSÓRCIO LTDA (CNPJ 28.904.092/0001-53), is a privately held Brazilian consortium administrator headquartered in Bom Jesus do Itabapoana, Rio de Janeiro. The company has been operating for over 54 years and is authorized and audited by the Banco Central do Brasil under Lei 11.795 (Consortium Law). It serves Brazilian individual consumers and small businesses seeking to acquire durable assets through interest-free installment-based consortium groups, an alternative to traditional credit financing.

The product portfolio comprises six consortium categories: real estate (Imóveis), automobiles (Carros), motorcycles (Motos), trucks and heavy vehicles (Caminhões/Pesados), services (Serviços, including travel, surgery, and education), and machinery (Maquinário). Members participate in monthly assemblies where they can be awarded through Federal Lottery-based draws or accelerate allocation through bids (lances). The technology backbone consists of a consortium management platform, a customer-facing Portal do Cliente, and iOS/Android mobile applications for member self-service, with an analog compliance layer reflected in registered group regulations (e.g., Grupo 108 / RES285 for 2026).

Revenue is generated through recurring administration fees charged to consortium participants rather than interest, in compliance with Brazilian consortium law. The go-to-market combines specialized human consultants, a partner/reseller network ('Time Reserva') with its own CRM, dedicated landing pages, and dedicated training ('Universidade Reserva'), a digital portal with credit simulation tools, and inside sales via phone, email, and Ouvidoria channels. The company reports 68,230+ satisfied customers and 8,580+ assets delivered across its lifetime, with current scale organized around 11–50 employees.

Name

Consórcio Reserva

Legal name

RESERVA ADMINISTRADORA DE CONSÓRCIO LTDA

Website

https://consorcioreserva.com.br

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

Consórcio Reserva is a privately held Brazilian consortium administrator, regulated by the Banco Central do Brasil, offering interest-free installment plans across six asset categories (real estate, vehicles, motorcycles, trucks, services, machinery) to individual consumers and small businesses in Brazil.

Ownership category

akta.pro rank

Headquarters

HQ city

Bom Jesus Do Itabapoana

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consortium Administration Fees: Revenue generated from administration fees charged to consortium participants. No interest is charged - only administration fees as per Brazilian consortium law 11.795

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Consórcio Reserva administers interest-free consortium groups for Brazilian consumers, enabling them to acquire homes, cars, motorcycles, trucks/heavy vehicles, services, or machinery through monthly installment contributions and monthly lottery-based assemblies. Members receive credit letters upon being awarded or placing bids, and the company earns administration fees (no interest is charged, in compliance with Brazilian Consortium Law 11.795). Customers are supported via a customer portal, iOS/Android mobile application, and a partner channel program called Time Reserva.

Product overview

Consórcio Reserva is a consortium administration company offering interest-free installment plans for acquiring various assets and services. The product portfolio includes six core consortium types: real estate (Imóveis), automobiles (Carros), motorcycles (Motos), trucks/heavy vehicles (Caminhões/Pesados), services (Serviços), and machinery (Maquinário). These are complemented by a customer-facing digital platform consisting of the Portal do Cliente (web-based customer portal) and the App Consórcio Reserva (iOS/Android mobile application). Members participate in monthly assemblies where they can be awarded through lottery draws or by placing bids (lances) to accelerate their credit allocation. The company has been operating for over 54 years and is authorized and audited by Brazil's Central Bank (Banco Central do Brasil).

Differentiator

Problem solved

Functional benefit

Products and services

• Consórcio de Imóveis Interest-free consortium plan for acquiring homes, apartments, or land through monthly installments, with credit values starting at R$ 129,127.85 and monthly payments from R$ 551.25. Targeted at Brazilian individuals planning future real estate purchases without paying interest.
• Consórcio de Carros Interest-free consortium plan for acquiring new cars through monthly installments, with credit starting at R$ 43,776.70 and monthly payments from R$ 638.77. Targeted at individual consumers planning vehicle purchases.
• Consórcio de Motos Interest-free consortium plan for acquiring new motorcycles through monthly installments, with credit starting at R$ 16,552.80 and monthly payments of R$ 422.00. Targeted at individual consumers planning motorcycle purchases.
• Consórcio de Caminhões/Pesados Interest-free consortium plan for acquiring commercial trucks and heavy vehicles through monthly installments, with credit starting at R$ 125,076.30 and monthly payments from R$ 672.82. Targeted at individual drivers, fleet operators, and businesses planning commercial vehicle acquisitions.
• Consórcio de Serviços Interest-free consortium plan for financing services such as travel, surgeries, graduation courses, and other personal services, with credit starting at R$ 16,909.82 and monthly payments from R$ 224.80. Targeted at individual consumers planning discretionary or medical/educational expenditures.
• Consórcio de Maquinário Interest-free consortium plan for acquiring agricultural, construction, or industrial machinery through the consortium system. Targeted at individual producers, contractors, and small businesses planning equipment acquisitions without interest.

Quantifiable outcome

• 68,230+ satisfied customers served
• +1 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Itaú Consórcios: Consortium arm of Banco Itaú Unibanco. Competes head-to-head with Consórcio Reserva across auto, real estate, and truck consortium categories, leveraging Itaú's national retail banking footprint and digital channels.
• Banco do Brasil Consórcios: Consortium offering of Banco do Brasil, the largest federal bank. Targets rural, agricultural, and consumer segments with consortium products, overlapping with Consórcio Reserva's machinery and vehicle categories.
• Bradesco Consórcios: Consortium administration division of Banco Bradesco, one of Brazil's largest private banks. Offers consortiums for vehicles, real estate, and other assets — directly comparable product set to Consórcio Reserva but with vastly larger scale, brand reach, and bank-branch distribution.
• Santander Consórcios: Consortium business of Banco Santander Brasil. Provides auto, property, and other consortiums through bank channels, competing for the same Brazilian consumer planning to acquire assets interest-free.
• Caixa Consórcios: Consortium division of Caixa Econômica Federal, a major federal bank. Offers consortiums for housing, vehicles, and services — overlapping directly with Consórcio Reserva's portfolio and particularly dominant in real estate consortium.

Direct peers

• Rodobens Consórcio: Brazilian consortium administrator with strong presence in vehicle and truck consortiums. Targets commercial buyers and individuals in the heavy-vehicle category where Consórcio Reserva also competes.
• Unifisa: Independent Brazilian consortium administrator with comparable focus on auto, property, and service consortiums. A like-for-like mid-market independent operator competing for the same target customer as Consórcio Reserva.
• Embracon: Independent Brazilian consortium administrator offering auto, property, motorcycle, and truck consortiums nationally. Closest comparable independent peer to Consórcio Reserva in product mix and target customer.
• Porto Seguro Consórcio: Consortium arm of Porto Seguro, leveraging the insurer's brand and customer base to sell auto and property consortiums. Competes with Consórcio Reserva in the same consumer planning segment.

Emerging players

• Magalu Consórcio: Consortium offering from Magazine Luiza, the large Brazilian retailer, focused on consumer goods and vehicle financing through consortium mechanics. Represents an emerging digital-first distribution channel competing for the same end customer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCexSHzrvXUr0NQB93Q08cJg
• Facebookfacebook.com/consorcioreserva
• LinkedInlinkedin.com/company/consorcioreserva
• Instagraminstagram.com/consorcioreserva

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 Consórcio Reserva