Casa Do Microcredito

What Casa Do Microcredito does

Casa do Microcrédito is a Brazilian privately-held microfinance institution, founded circa 2001 and headquartered in Tubarão, Santa Catarina, that extends productive microcredit to micro and small entrepreneurs, individual microentrepreneurs (MEI), and low-income households across southern and northeastern Brazil. Its credit portfolio spans six products with ticket sizes ranging from R$200 to R$20,000 and tenors up to 48 months, including CRÉDITO FAMÍLIA for housing improvement, Crédito Social for general-purpose lending, Desconto de Cheques for check discounting, Capital Fixo for fixed-asset investment, Capital de Giro for working capital, and Juro Zero — a government-subsidized, zero-interest product for MEIs operated in partnership with the State of Santa Catarina.

The institution runs a hybrid distribution model: five owned branches concentrated in the AMUREL region of Santa Catarina (Tubarão, Capivari de Baixo, Braço do Norte, Imbituba, Jaguaruna), supplemented by a franchise network covering roughly a dozen additional municipalities in Santa Catarina, Rio Grande do Sul, and Ceará. Customer-facing technology is provided through outsourced partners rather than built in-house: a PINBANK/POLOCRED digital account for bill payment, boleto issuance, and TED transfers; the CM Brasil Pay card-acquiring product accepted at over 40,000 points in Santa Catarina; and a smartphone application for account management.

Monetization is anchored in interest income on the microcredit book, with ancillary revenue from digital-account float and card-acquiring fees. The cost of funds is structurally subsidized by BNDES and BADESC credit lines, Oikocredit impact capital, and the Juro Zero program, enabling the 'practically zero cost' positioning marketed to end customers. Governance is overseen by an Executive Board led by President Eliane da Rosa Fernandes and Executive Director Sedenir dos Santos Júnior, with the institution certified under Universal Standards of Social Performance Management through AMCRED-SC.

Name

Casa Do Microcredito

Legal name

Casa do Microcrédito

Website

https://casadomicrocredito.com.br

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Casa do Microcrédito is a Brazilian privately-held microfinance institution, headquartered in Tubarão, Santa Catarina, that extends productive microcredit (R$200–R$20,000) to micro and small entrepreneurs, MEIs, and low-income families across Santa Catarina, Rio Grande do Sul, and Ceará via owned branches, a franchise network, and digital banking rails.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Nondepository Credit Intermediation (5222), Consumer Lending (522291)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Microfinance services
• Microcredit lending
• Small business loans
• Digital payment processing
• Financial inclusion services

Headquarters

HQ city

Tubarão

HQ country

Brazil

HQ region

Latin America

Offices17 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Microcredit Interest Income: The organization generates revenue through interest charged on microcredit loans extended to entrepreneurs. Products include Crédito Família (up to R$20,000 in 48 installments), Crédito Social (R$200-R$5,000), Desconto de Cheques (up to R$20,000), Juro Zero program (up to R$5,000 in 8 installments with government subsidy for prompt payment), Capital Fixo (R$200-R$20,000 in up to 36 months), and Capital de Giro (R$200-R$15,000 in up to 24 months).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Casa do Microcredito is a microfinance institution that extends small-ticket credit (R$200–R$20,000) to micro and small entrepreneurs and low-income families in southern Brazil, including housing credit (Crédito Família), personal credit (Crédito Social), check discounting (Desconto de Cheques), the Juro Zero zero-interest program for MEIs, fixed-asset investment loans (Capital Fixo), and working capital loans (Capital de Giro). It also distributes digital financial services — CM Brasil Pay card payment processing and a PINBANK/POLOCRED digital account — under a low-cost, desbureaucratized model delivered through owned branches and franchisees.

Product overview

Casa do Microcrédito is a microfinance institution offering a portfolio of credit products and digital financial services. The product suite includes digital services (mobile app, CM Brasil Pay card processing, and PINBANK/POLOCRED digital account) and credit products (CRÉDITO FAMÍLIA for housing, Crédito Social for personal needs, Desconto de Cheques for check discounting, Juro Zero government-subsidized microcredit for MEIs, Capital Fixo for fixed investments, and Capital de Giro for working capital). The credit products range from R$ 200 to R$ 20,000 with varying terms and interest structures, while the digital services provide payment processing and account management capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• CM Brasil Pay: Digital account service for payments, bill payments, mobile recharges, boleto issuance, and TED transfers.
• Juro Zero

Products and services

• Crédito Família Housing microcredit offering values up to R$20,000 in up to 48 monthly installments for construction or renovation of borrowers' homes, with a desbureaucratized application process. Targeted at families and informal entrepreneurs in southern Brazil.
• Crédito Social Quick and unbureaucratic personal microcredit ranging from R$200 to R$5,000, available for any purpose, targeted at low-income families and informal entrepreneurs.
• Desconto de Cheques Check-discounting product for entrepreneurs to receive advances on pre-dated checks received in their businesses, with terms up to 4 months and credit limits up to R$20,000.
• Juro Zero Government-subsidized zero-interest microcredit program for individual microentrepreneurs (MEI), providing up to R$5,000 in 8 monthly installments, with the State Government paying the final installment when all are paid on time.
• Capital Fixo Fixed-asset investment microcredit ranging from R$200 to R$20,000 for constructions, facility renovations, utility vehicles, and new or used machinery and equipment, with terms up to 36 months.
• Capital de Giro Working capital microcredit ranging from R$200 to R$15,000 (including charges) for acquisition of merchandise and raw materials, with payment terms up to 24 months for micro and small businesses.
• CM Brasil Pay Card payment machine service accepting Visa, Mastercard and other flags, with direct deposit to the CM Brasil Pay digital account, zero maintenance fees, and next-day installment availability, accepted at over 40,000 points across Santa Catarina.
• Conta Digital PINBANK/POLOCRED Digital bank account delivered through the PINBANK/POLOCRED partnership, offering bill payment, boleto issuance and settlement, TED transfers to any bank, and receivables management, with no opening or maintenance fees.

Quantifiable outcome

• Over 40,000 card payment acceptance points in Santa Catarina

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and major.

• AMCRED-SC (Associação das Instituições de Microcrédito do Estado de Santa Catarina)coreStrategic or Co-development PartnerAMCRED-SC is the association of microcredit institutions in Santa Catarina. Casa do Microcredito is affiliated with AMCRED-SC and participates in joint social performance management initiatives. The organization implements Universal Standards of Social Performance Management in partnership with AMCRED.
• SEBRAE (Serviço Brasileiro de Apoio às Micro e Pequenas Empresas)majorStrategic or Co-development PartnerSEBRAE is a key support partner for micro and small businesses in Brazil. Casa do Microcredito partners with SEBRAE to support entrepreneurship in the regions they serve, contributing to business development and formalization.
• POLOCREDcoreTechnology or IntegrationPOLOCRED is integrated with Casa do Microcredito's digital account services (PINBANK/POLOCRED). The partnership provides digital banking infrastructure for customers to make payments, transfers, and manage receivables.
• Juro Zero Program (Governo do Estado de Santa Catarina)coreStrategic or Co-development PartnerJuro Zero is a government program of the State of Santa Catarina that subsidizes the last installment of credit for MEI entrepreneurs who pay on time. Casa do Microcredito participates as an operator of this program, providing zero-interest credit to individual microentrepreneurs.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Others

• Banco Nacional de Desenvolvimento Econômico e Social (BNDES): Brazil's national development bank and a core funding partner of Casa do Microcredito. Comparable as a wholesale provider of capital that flows into microcredit channels, and an upstream stakeholder in the same SME credit ecosystem, though not a direct retail competitor.
• Oikocredit: International cooperative and impact investor that provides wholesale capital to microfinance institutions, including Casa do Microcredito. Comparable as an upstream capital provider in the same microfinance ecosystem rather than a direct retail competitor; serves as a peer in the broader global microfinance value chain.

Emerging players

• Geru: Brazilian fintech lender focused on personal and small-business credit for underbanked borrowers using alternative-data underwriting. Comparable in targeting the same underserved borrower base as Casa do Microcredito, but competing via fully digital onboarding and credit decisioning rather than physical branches.
• Rebel (formerly Rebel Financial): Brazilian fintech providing online credit and working-capital loans to small businesses and entrepreneurs. Comparable in serving the SMB and microentrepreneur segment with small-ticket credit, but operating through a fully digital platform rather than Casa do Microcredito's branch-led model.

Broad incumbents

• Banco PAN: Brazilian specialty bank offering consumer credit, payroll-deducted loans, and SMB financing products. Comparable as a provider of small-ticket credit to individuals and entrepreneurs, but operating at national scale with a broader consumer-lending portfolio than Casa do Microcredito.
• BMG: Brazilian specialty bank offering consumer and SMB credit, including payroll-deducted and working-capital loans to small businesses and entrepreneurs. Comparable in targeting underserved borrowers with small-to-mid-ticket credit, though it operates at national scale and a broader consumer-credit scope.
• Paraná Banco: Brazilian regional bank headquartered in southern Brazil with significant SMB and consumer credit operations. Comparable as a regional incumbent extending small-business credit in southern Brazilian markets where Casa do Microcredito operates, with substantially greater balance-sheet scale.
• Banco do Nordeste (BNB): Regional Brazilian development bank offering the Crediamigo microcredit program aimed at micro and small entrepreneurs in the Northeast. Comparable as a development-bank-backed provider of small-ticket entrepreneur credit, though operating with significantly greater scale and a defined regional mandate.
• Caixa Econômica Federal: Brazilian federal bank that offers microcredit and entrepreneur-focused credit programs through its nationwide branch network. Comparably extends credit to micro and small entrepreneurs across Brazil, but as part of a much larger portfolio of depository and consumer banking services.

Direct peers

• Crefisa: Brazilian consumer and SMB credit institution offering small-ticket personal and working-capital loans, frequently to borrowers underserved by traditional banks. Closely comparable to Casa do Microcredito in target customer (lower-income and informal borrowers) and small-ticket loan structure, operating as a direct competitor for similar borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/casadomicrocredito
• LinkedInlinkedin.com/company/casa-do-microcredito

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Casa Do Microcredito