ErgonCredit
ErgonCredit is a Rio de Janeiro-based digital platform founded in 2016 that provides loans and credit services to Brazilian small and medium companies, operating as a private for-profit with 1-10 employees.
- Company typePrivate
- Founded2016
- HeadquartersRio De Janeiro, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingServices
What ErgonCredit does
ErgonCredit is a Brazilian digital financial services platform founded in 2016 and headquartered in Rio de Janeiro. According to the firmographic data, the company provides a spectrum of loans and credit services targeted at small and medium enterprises (SMEs) in Brazil, operating as a private for-profit entity. The platform is accessible at ergoncredit.com.br, suggesting a direct-to-borrower digital distribution model typical of fintech lenders in the Brazilian market.
The company operates with a very lean headcount of 1-10 employees, positioning it as a small, focused player in the Brazilian SMB lending space. The specific technological architecture, credit decisioning methodology, underwriting model, funding sources, and product details are not disclosed in the available source material. No partnerships, integrations, funding rounds, customer counts, revenue figures, or product launch history are documented for ErgonCredit specifically. The data corpus attached to this record is predominantly about a different, substantially larger Brazilian fintech (Omie) and does not characterize ErgonCredit's actual operations.
The business model appears to be a digital credit origination and servicing platform, but revenue mechanics (origination fees, interest spread, servicing fees, marketplace model), pricing, target customer segments, and go-to-market motion are not specified. As a result, the available evidence supports only a high-level description of what ErgonCredit claims to do; substantive analysis of its business model, traction, and competitive position is constrained by a near-complete absence of company-specific operating data.
ErgonCredit firmographics
Firmographics- Name
- ErgonCredit
- Legal name
- Omie Instituição de Pagamento Ltda.
- Website
- https://ergoncredit.com.br
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ErgonCredit is a Rio de Janeiro-based digital platform founded in 2016 that provides loans and credit services to Brazilian small and medium companies, operating as a private for-profit with 1-10 employees.
- Ownership category
- akta.pro rank
Where ErgonCredit is headquartered
LocationHeadquarters
- HQ city
- Rio De Janeiro
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
ErgonCredit business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- ERP Subscription Plans: Subscription-based access to the Omie ERP system with tiered plans based on business type and size. Multiple plan options tailored to different business segments including commerce, services, industry, and restaurants.
- Financial Transaction Fees: Transaction-based fees on financial operations including boleto issuance (R$1.99 per boleto) and PIX transfers (R$0.50 per transaction). These usage-based fees complement the subscription revenue.
- Digital Account Services: Digital business account services including payment processing, transfers, and tax management. Revenue from transaction fees on various banking operations performed within the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Plan recommendations based on business profile |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
ErgonCredit product offering
Product offeringCore offering
ErgonCredit is a digital platform that provides a spectrum of loans and credit services to small and medium companies. The company operates as a for-profit, privately held entity headquartered in Rio de Janeiro, Brazil, focused on extending credit products to the SMB segment.
Product overview
Omie offers a platform-plus-modules architecture anchored by Omie ERP, a comprehensive management system covering sales, inventory, finance, services, CRM, and tax documentation. Financial operations are extended through Omie.Cash — a digital PJ account with boleto, PIX, TED, payment automation, and duplicate anticipation capabilities. Point-of-sale needs are served by Omie.PDV Varejo (retail) and Omie PDV Restaurante (restaurants), while the Omie Hub connects ERP to online sales channels. Additional modules include Omie.IA Fiscal (AI-powered tax classification), digital certificate management, the Omie Portal for document management, Omie.Store for third-party add-ons, and accounting tools (Omie.G-Click, Decola CNPJ). Education offerings include Omie.Academy and the Certo Tax Reform platform.
Differentiator
Problem solved
Functional benefit
Brands
- Omie.Cash: Digital account and internet banking within the Omie ERP system
- Omie ERP
- Omie.PDV
- Omie.IA Fiscal
- Omie Hub
- Omie Store
- Omie Academy
- Omie G-Click
- Omie.Certo
- Omie Decola CNPJ
Products and services
- SMB Loans and Credit Services
Companies that use ErgonCredit
Customer profileSegments11 records
Ideal customer profiles1 record
ErgonCredit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature7 records
ErgonCredit partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Amazon Web Services (AWS)coreCloud infrastructure provider powering Omie's systems. All company data is stored in AWS datacenters with recognized security standards. AWS provides the underlying infrastructure for Omie's ERP platform and digital services.
Scale indicators2 records
ErgonCredit competitors and assessment
Company assessmentDirect peers
- a55: Brazilian fintech providing structured debt and capital solutions (working capital, equipment financing, venture debt) to SMBs. Comparable SMB credit use cases and Brazilian operating geography.
- Nexoos: Brazilian online lending marketplace originating working capital loans to SMBs from institutional lenders. Comparable as a digital-first SMB credit provider operating in Brazil with similar customer segment.
- Geru: Brazilian online credit platform offering consumer and small business loans through automated digital underwriting. Comparable digital-first lender operating in Brazil with overlapping SMB and credit market.
- BizCapital: Brazilian digital lending platform offering working capital and credit lines to SMBs through an online application and underwriting flow. Direct functional peer given identical target customer (Brazilian SMBs) and product focus on credit/loans.
- Rebel: Brazilian SMB neobank offering digital accounts, payments, and credit products targeted at small businesses. Comparable Brazilian SMB-facing platform with credit as a core offering.
- Kredito: Brazilian online lender providing working capital and SMB credit through a digital origination platform. Direct peer in terms of SMB focus, product set, and Brazilian geography.
- Cora: Brazilian digital bank for SMBs combining current accounts and payments with integrated credit products. Comparable as a SMB-focused Brazilian platform that pairs financial services with credit offerings.
Market position
Strengths3 records
Weaknesses4 records
Key risks5 records
Key highlights4 records
Customer concentration
ErgonCredit social profiles
Digital presenceErgonCredit financial estimates
Financial estimateRevenue estimate
Valuation estimate
ErgonCredit leadership team
Management profileNumber of profiles
Profiles1 record
ErgonCredit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ErgonCredit 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 ErgonCredit
What does ErgonCredit do?
ErgonCredit is a digital platform that provides a spectrum of loans and credit services to small and medium companies. The company operates as a for-profit, privately held entity headquartered in Rio de Janeiro, Brazil, focused on extending credit products to the SMB segment.
Is ErgonCredit a public or private company?
ErgonCredit is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ErgonCredit founded?
ErgonCredit was founded in 2016. It employs 1 to 10 people.
Where is ErgonCredit based?
ErgonCredit is headquartered in Rio De Janeiro, Brazil, in the Latin America region.
How does ErgonCredit make money?
Three revenue lines are on record. ERP Subscription Plans are the primary driver. The others are financial Transaction Fees and digital Account Services.
Who are ErgonCredit's main competitors?
Direct peers on record are a55, Nexoos, Geru, BizCapital, Rebel, Kredito and Cora.
Does ErgonCredit have an API?
No public API is recorded for ErgonCredit.