Granasim

What Granasim does

GranaSim is a Brazilian fintech intermediary founded in 2014 and headquartered in Palhoça, Santa Catarina, that specializes in payroll-deductible consumer credit (crédito consignado) for formal Brazilian workers on CLT contracts. The company operates a single product, branded Crédito do Trabalhador CLT, through which it collects borrower information, calculates the available consignable margin, and routes the customer to one of eight partner financial institutions — go01, C6 Bank, Facta Financeira, Banco Pan, Banco Neon, Zippdin, Paran Banco and Presença Bank — that ultimately underwrite and disburse the loan. The underlying platform is digital-first: customers initiate contact via WhatsApp or phone, submit documents electronically, receive a personalized proposal with explicit principal, installment count and rate terms, and sign a digital contract, with funds typically disbursed within minutes to 48 hours. Marketing surfaces explicitly include negative-credit borrowers and the national CLT workforce across any employer, and customer testimonials span education, services, retail and administrative roles, indicating a mass-market consumer focus rather than employer-side contracting.

GranaSim earns revenue as a transaction-fee intermediary, taking commission or spread on loans it originates to its partner banks rather than holding credit risk on its own balance sheet. Its go-to-market is inside-sales oriented but conducted entirely over WhatsApp and a published landline, with no physical branch network for customer acquisition; the Palhoça office functions as headquarters and back office rather than a retail location. The firm advertises more than R$500 million in cumulative credit facilitated across its history and over a decade of exclusive focus on this product category, but discloses no audited revenue, headcount figure, funding history or ownership structure, suggesting a bootstrapped and founder-controlled operating profile. Marketing investment spans organic social (Instagram, Facebook, LinkedIn, TikTok, Pinterest) plus paid channels (Google Adsense, Bing Ads) and on-site analytics tooling (Google Analytics, Microsoft Clarity), with the website as the primary top-of-funnel surface and WhatsApp as the primary bottom-of-funnel conversion channel.

Name

Granasim

Legal name

GranaSim

Website

https://granasim.com.br

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

GranaSim is a Brazilian fintech intermediary that originates payroll-deductible consumer loans (crédito consignado) for formal CLT workers, routing applications through a WhatsApp-driven digital platform to a network of eight partner banks.

Ownership category

akta.pro rank

Product category

Consumer Lending / Payroll-Deductible Credit

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

akta.pro secondary industry

Jumbo & Portfolio Wholesale Lending (FSALACAF)

Keywords

• Payroll-deducted credit
• Consumer loan intermediation
• Consigned loan services
• Digital loan origination
• Credit marketplace platform

Headquarters

HQ city

Palhoça

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Payroll-Discounted Loan Intermediation: GranaSim acts as an intermediary between workers and partner banks, earning commissions or spreads on originated payroll-deducted loans. The company matches borrowers with partner financial institutions (go01, c6_bank, facta_financeira, bancopan, banco_neon, zippdin, paran_banco, presenca-bank) and facilitates the credit process.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

GranaSim is a digital intermediary that connects Brazilian formal workers (CLT employees) with a network of partner banks to originate payroll-deductible personal loans (crédito consignado). The company collects borrower data via WhatsApp and phone, analyzes the customer's consignable margin, presents a personalized loan proposal from partner banks, and facilitates digital contract signing and fund disbursement. GranaSim earns commissions or spreads on the loans it originates through its partner banks (go01, C6 Bank, Facta Financeira, Banco Pan, Banco Neon, Zippdin, Paran Banco, and Presença Bank).

Product overview

GranaSim offers a single, unified core product — the Crédito do Trabalhador CLT — a payroll-deducted loan service for formal Brazilian workers. The product functions as an end-to-end digital platform: customers submit information via WhatsApp or phone, GranaSim analyzes their available credit margin, presents a personalized proposal with clear terms (principal, installments, rates), and upon acceptance, executes a digital contract with funds disbursed through partner banks. No separate modules, add-ons, or sub-brands are described.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito do Trabalhador CLT A payroll-deducted loan (crédito consignado) product for Brazilian workers with formal employment contracts (CLT). Customers submit information via WhatsApp or phone; GranaSim analyzes the consignable margin, presents a personalized loan proposal, and upon digital contract signing disburses funds through one of its partner banks. Installments are automatically deducted from the employee's salary slip, eliminating manual payment management. Includes debt portability from other financial institutions.

Quantifiable outcome

• R$ 500 million+ in credit granted to workers across Brazil

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Facta Financeira: Brazilian financial institution specializing in payroll-deductible credit (consignado), listed as a GranaSim partner. Comparable core product and customer; relevant as a specialized lender operating in the same vertical that GranaSim intermediates into.
• Banco BMG: Brazilian bank historically focused on payroll-deducted credit and consumer lending for formal workers and retirees. Comparable product (consignado) and customer segment (CLT workers), with proprietary digital origination — relevant as a broad incumbent in the same category.
• C6 Bank: Brazilian digital challenger bank offering consumer credit, payroll loans, and accounts; one of GranaSim's partner banks. Comparable end-customer and product set but operates as a full-stack bank rather than a pure broker, representing both a partner and a potential disintermediator.
• Crefisa: Established Brazilian consumer and payroll lender with a large branch network offering consignado and personal credit. Comparable end-customer and product (consignado for workers), but operates as a direct lender with proprietary funding rather than as a broker — relevant as a broad incumbent GranaSim competes against.
• Banco PAN: Brazilian mid-sized bank with a strong consumer-credit and consignado franchise, listed as one of GranaSim's partner banks. Relevant as a broad incumbent operating in the same product category, with potential to disintermediate brokers by scaling direct digital origination.

Emerging players

• Bari: Brazilian payroll-deductible loan company targeting formal workers, originally spun out of Banco Bari. Comparable product and customer segment to GranaSim, but Bari has historically operated as a captive lender rather than a pure multi-bank broker; relevant as an emerging payroll-credit specialist.
• Z1 (Z1 Bank): Brazilian digital banking/credit platform targeting young formal workers with consumer credit products. Comparable target customer (CLT workers entering formal employment) and digital-first distribution, though broader in product scope than GranaSim.

Direct peers

• Consignado Online: Brazilian online platform specializing in payroll-deducted loan origination for formal workers and retirees. Directly comparable to GranaSim in product focus (consignado), target customer (CLT workers), and intermediation business model.
• Meutudo: Brazilian digital loan broker offering payroll-deducted (consignado) and other consumer credit products online, with WhatsApp-led inside sales. Closely comparable business model: intermediary between formal workers and multiple partner banks, earning commission on originated loans.
• Bom Pra Crédito: Online loan broker in Brazil connecting borrowers with multiple lenders for personal, payroll, and refinancing credit. Comparable to GranaSim as a digital multi-bank broker targeting retail/CLT borrowers, with similar commission-based revenue model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

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 Granasim