Lavoro Crédito

What Lavoro Crédito does

Lavoro Crédito is a privately held Brazilian credit solutions provider operating under legal entity Lavoro-Grafo Securitizadora S/A, headquartered in Barra da Tijuca, Rio de Janeiro with a regional office in Itaim Bibi, São Paulo. The company serves Brazilian middle-market companies through five core offerings: invoice discounting (Desconto de Duplicatas), credit analysis (Análise de Crédito), product structuring (Estruturação de Produtos) including real estate credit such as CRI, and portfolio administration (Administração de Carteira) including default management. It has cumulatively processed R$12 billion in receivables across 200+ corporate clients over 24+ years of operation.

The business operates through a vertically integrated group structure: origination via Lavoro Factoring (founded 1997), fund management via Lavoro Asset Management (established 2011, CVM-registered), and securitization via Lavoro Securitizadora (operational since 2019). The platform manages six FIDC vehicles (FIDC Lavoro I, II, III, Settore, NP Lavoro IV, and Lavoro Multicredito II) covering standard receivables, structured credit, non-performing loans, and multi-credit strategies. Technology consists of a web-based client portal (Meus Recebíveis / Área do Cliente) for receivables management.

Revenue derives from four streams: transaction fees on receivables anticipation, professional services fees for credit analysis and product structuring, managed-services fees for portfolio administration, and asset management fees on the FIDC vehicles. Go-to-market is direct B2B sales targeting mid-market and large-enterprise Brazilian corporates via the two physical offices. The company is founder-led (Ricardo Leal Wakim, Executive Director, with credit-market experience since 1992) and privately held with no disclosed institutional capital.

Name

Lavoro Crédito

Legal name

Lavoro-Grafo Securitizadora S/A

Website

https://lavorocredito.com.br

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Lavoro Crédito is a Brazilian privately held credit solutions provider serving middle-market companies with invoice discounting, credit analysis, product structuring, and portfolio administration, operating through integrated FIDC fund vehicles and securitization entities.

Ownership category

akta.pro rank

Product category

Commercial Finance / Receivables & Structured Credit

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Asset-Backed Securities (6189)

akta.pro industry

PRIMARYFSABAHAD

Receivables Finance (Factoring, Invoice Discounting, Forfaiting)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Trade Finance & Supply Chain Banking

SECONDARYFSAEAEAO

Invoice Factoring & Receivables Finance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSAHAJAH

Private Credit — Structured Credit (CLOs, ABS, Private Securitizations)

Financial & Insurance/Hedge Funds & Alternative Investments/Alternative Investments — Private Credit & Direct Lending

SECONDARYBPAAAEAE

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

Keywords

• Receivables anticipation
• Credit analysis
• Structured credit
• Portfolio administration
• Product structuring

Headquarters

HQ city

Barra Da Tijuca

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Receivables Anticipation (Desconto de Duplicatas): Fee-based services for early payment of receivables/invoices. Primary revenue stream from the company's core offering of providing liquidity to businesses against their receivables.
2. Credit Analysis Services: Professional services revenue from providing credit analysis solutions for companies that lack credit expertise as a core competency.
3. Portfolio Administration: Ongoing management fees for administration of receivables portfolios including default management.
4. Product Structuring: Custom product design and structuring fees for credit-focused financial products, including real estate products like CRIs and financing.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Lavoro Crédito provides receivables anticipation (Desconto de Duplicatas), credit analysis, structured product design, and portfolio administration services for Brazilian middle-market and large companies. It also structures real estate credit products such as CRI, contract advances, and financing. Services are delivered through affiliated regulated entities, including a CVM-registered asset manager (Lavoro Asset Management), a securitization company (Lavoro Securitizadora), and multiple FIDC receivables investment fund vehicles.

Product overview

Lavoro Crédito is a credit solutions company offering a unified portfolio of financial products including Desconto de Duplicatas (invoice discounting), Análise de Crédito (credit analysis), Estruturação de Produtos (product structuring), Administração de Carteira (portfolio administration), and Produtos Imobiliários (real estate products). The company operates through affiliated entities including Lavoro Factoring, Lavoro Asset Management (fund manager established 2011), and Lavoro Securitizadora (securitization company established 2019), managing multiple FIDC (Investment Fund in Receivables) vehicles including FIDC Lavoro I, FIDC Lavoro III, FIDC Settore, FIDC NP Lavoro IV, and Lavoro Multicredito II. The company also provides a client portal platform called Meus Recebíveis for customers to manage their receivables.

Differentiator

Problem solved

Functional benefit

Products and services

• Desconto de Duplicatas (Receivables Anticipation) Invoice discounting and receivables anticipation solution for middle-market companies, providing earlier access to cash against outstanding receivables to fund operations and growth.
• Análise de Crédito (Credit Analysis) Credit analysis services for companies whose core business is not credit, providing specialized knowledge so that clients can focus on their primary differentiators while Lavoro assesses counterparty risk.
• Estruturação de Produtos (Product Structuring) Design and structuring of credit-focused financial products, including the full architecture of the product and the operational setup required to bring it to market, leveraging Lavoro's relationships with major capital-market players.
• Administração de Carteira (Portfolio Administration) Management of receivables portfolios and delinquent portfolios, including process standardization, a collections pipeline, and uniform client communication as core operating tools.
• Produtos Imobiliários (Real Estate Credit Products) Structured real estate credit products including CRI (Real Estate Receivables Certificates), contract anticipation, and financing solutions, leveraging the partners' experience in the real estate sector.
• Meus Recebíveis (Client Portal) Web-based client portal allowing existing Lavoro customers to log in and manage their receivables, view positions, and access account services.

Quantifiable outcome

• R$12 Bilhões in receivables processed

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Banco Fator: Brazilian commercial bank with deep heritage in factoring and corporate credit, directly overlapping Lavoro's receivables financing and credit solutions for middle-market companies.
• Oliveira Trust: Major Brazilian fiduciary and securitization services company, competing directly with Lavoro Securitizadora in CRI issuance, securitization, and structured credit services.
• Vinci Partners: Brazilian alternative asset manager with credit-focused strategies including FIDC management, comparable to Lavoro Asset Management's role in managing credit investment funds.
• Polo Capital: Brazilian independent asset manager with significant credit and private debt strategies, operating FIDC vehicles that compete for investor capital with Lavoro-managed funds.
• Brazilian Securities (BRC Securitizadora): Brazilian securitization company providing CRI and structured credit issuance, overlapping with Lavoro Securitizadora's securitization and receivables-backed product offerings.
• Fortesec Securitizadora: Brazilian securitization company focused on receivables-backed securities and structured credit, comparable to Lavoro Securitizadora's CRI and FIDC operations.

Broad incumbents

• BRL Trust: Brazilian fiduciary, asset management, and credit servicing firm with a broader portfolio than Lavoro but overlapping in FIDC administration and structured credit services.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lavoro-credito

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

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 Lavoro Crédito