What BeBest does

Bext (legal entity Bext Capital Ltda., CNPJ 26.915.796/0001-04, formerly operating as SejaBest) is a Brazilian digital credit-intermediation fintech headquartered in Balneário Camboriú, Santa Catarina. The company operates as a banking correspondent (correspondente bancário) under Brazilian Central Bank Resolution 3.954/2011, aggregating credit products from over 30 partner financial institutions — including Itaú, Inter, Daycoval, CashMe, CrediBlue, and PEAK — into a single digital marketplace serving Brazilian consumers seeking secured credit.

The platform offers four core credit products: home equity loans (Crédito com Garantia de Imóvel), real estate financing (Financiamento Imobiliário), vehicle equity loans (Crédito com Garantia Veicular), and vehicle financing (Financiamento Veicular). Supporting tools include a free online credit simulator at simulador.bext.vc, a customer account portal at portal.bext.vc, a mobile app at app.bext.vc, and a partner-agent platform at bextpro.app. Bext itself does not underwrite, price, approve, or fund credit — these remain the exclusive responsibility of partner institutions — and the company monetizes through correspondent-banking commissions on originated operations.

Bext acquires customers through a digital-first GTM combining organic search, the simulation tool, and WhatsApp-based inside sales, supplemented by the BextPro agent program and direct partnerships with financial institutions. The company is privately held, employs 11-50 people, is led by CEO Gaspar Motta, and operates exclusively in Brazil with all content and operations in Portuguese. It holds 'Empresa verificada' status on Reclame Aqui and has received sales-champion and top-player awards from multiple partner banks.

Name

BeBest

Legal name

Bext Capital Ltda.

Website

https://seja.best

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Bext (formerly SejaBest) is a Brazilian digital credit-intermediation fintech operating as a banking correspondent under Central Bank Resolution 3.954, connecting individual consumers with home equity, mortgage, and vehicle credit products from 30+ partner financial institutions through a multi-bank digital marketplace.

Ownership category

akta.pro rank

Product category

Credit Intermediation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Lending & Credit Disbursements (FSAMAKAH)

akta.pro secondary industry

Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ)

Keywords

• Credit intermediation
• Home equity loans
• Mortgage financing
• Vehicle financing
• Banking correspondent

Headquarters

HQ city

Balneário Camboriú

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Correspondent Banking Fees: Bext acts as a banking correspondent (correspondingente bancário) under Resolution 3.954 of the Central Bank of Brazil. The company earns commissions and fees from financial institutions for originating and intermediating credit operations. The company does not provide direct credit itself — all credit analysis, approval, rate determination, and terms are the exclusive responsibility of partner financial institutions.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

BeBest (operating as Bext) is a Brazilian digital fintech platform that operates as a banking correspondent (correspondingente bancário) under Resolution 3.954 of the Central Bank of Brazil, intermediating credit operations between individual borrowers and over 20-30 partner financial institutions. The platform offers four core credit products: home equity loans (Crédito com Garantia de Imóvel), mortgage financing (Financiamento Imobiliário), vehicle-backed credit (Crédito com Garantia Veicular), and vehicle financing (Financiamento Veicular), supported by a free online credit simulator and digital account portal.

Product overview

Bext is a digital credit intermediation platform that operates as a multi-bank marketplace connecting borrowers with over 20 financial institution partners. The platform offers a unified portfolio of four core credit products: Crédito com Garantia de Imóvel (property-backed loans), Financiamento Imobiliário (mortgage financing), Crédito com Garantia Veicular (vehicle-backed credit), and Financiamento Veicular (vehicle financing). These products are supported by complementary platform tools including an online simulator for instant quote comparisons and customer/partner portals for account management. The platform positions itself as a correspondent bank operating under Brazilian Central Bank Resolution 3.954/2011, facilitating access to credit from partner institutions including PEAK Sociedade de Empréstimo entre Pessoas, CrediBlue, Daycoval, Inter, and Itaú.

Differentiator

Problem solved

Functional benefit

Brands

• Bextpro: Partner program allowing partners to access the platform and offer credit products to their customers.

Products and services

• Crédito com Garantia de Imóvel (Home Equity Loan) A loan product where users leverage a fully paid property as collateral to obtain credit with potentially better terms than unsecured loans, intermediated through partner financial institutions.
• Financiamento Imobiliário (Mortgage Financing) Mortgage financing product enabling users to finance the purchase of property with competitive rates and flexible repayment terms, accessed through partner financial institutions.
• Crédito com Garantia Veicular (Vehicle-Backed Credit) A secured credit product where users use their car, truck, or utility vehicle as collateral to access funds, intermediated through Bext's partner financial institutions.
• Financiamento Veicular (Vehicle Financing) Vehicle financing product allowing users to finance the purchase of their desired car through an online simulation process, originated through partner financial institutions.
• Bext Pro (Partner Program) Partner portal for financial advisors and brokers to access the Bext platform, originate credit operations, manage client relationships, and earn commissions on successful originations.

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Solfácil: Brazilian fintech that distributes financing for distributed solar energy through a multi-bank partner network — comparable architecture (multi-bank aggregator + correspondent-style intermediation) applied to a vertical niche.
• Rebel (formerly RebelCred): Brazilian digital credit broker and online lender focused on consumer and SMB credit intermediation with a digital-first funnel overlapping with Bext's customer experience.

Broad incumbents

• Banco Inter: Large Brazilian digital bank that is both a partner and competitor to Bext, offering mortgage, home equity, and vehicle financing directly to consumers through its own digital channels.
• Nubank: Brazil's largest neobank; increasingly extending into consumer credit and personal-loan products that compete with the broader credit-intermediation space Bext operates in.

Direct peers

• Melhortaxa: Brazilian mortgage broker and credit comparison platform connecting borrowers to multiple banks for mortgage and home-equity products — directly comparable given Bext's focus on home equity and mortgage financing.
• Bankme: Brazilian mortgage and real-estate credit marketplace connecting borrowers with multiple banks and brokers — comparable as a multi-bank real-estate credit intermediation platform.
• Geru: Brazilian online credit marketplace that compares and routes consumer credit offers from multiple lenders, mirroring Bext's aggregator/lead-distribution model in the Brazilian consumer credit market.
• Creditas: Brazilian secured-lending fintech offering home equity (crédito com garantia de imóvel), auto equity, and vehicle financing — the closest direct overlap with Bext's product set and Brazilian consumer target.
• Just (just.com.br): Brazilian credit-comparison and intermediation platform for consumers seeking personal loans, refinancing, and card products — comparable as a digital multi-lender intermediation funnel.

Others

• PEAK Sociedade de Empréstimo entre Pessoas: Brazilian peer-to-peer lending platform that is itself a partner of Bext; included as a peer because P2P lenders sit in the same 'non-bank credit intermediation' category Bext intermediates from.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bextvc/jobs
• Xx.com/sejabest
• Facebookfacebook.com/seja.best

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 BeBest