Kredilig

What Kredilig does

Kredilig S.A. - Crédito, Financiamento e Investimento is a privately held Brazilian consumer finance company headquartered in Biguaçu, Santa Catarina. The firm operates a digital, mobile-first distribution channel built around two core products: Empréstimo Pessoal (personal loans) and Nosso Cartão (credit cards), both delivered through the Konta mobile application available on iOS and Android. The Android package identifier (com.koerich.klab.konta) and the Edifício KAD corporate address suggest an affiliation with the Koerich Group, a large Santa Catarina-based retail conglomerate, positioning Kredilig as a potential captive credit arm within that retail ecosystem.

The company's go-to-market is direct-to-consumer, relying on a self-service mobile app supported by a centralized contact center (0800 823 8888) and an Ouvidoria channel (0800 648 6488), with light awareness marketing through Instagram and Facebook (both @minhakontadigital). Revenue is generated through interest income on personal loans and from credit card operations including interchange, revolving-balance interest, and fees, with no publicly disclosed pricing tiers or fee schedules. The firm appears to be undergoing a brand transition, with corporate product pages and Ouvidoria addresses migrating from Konta to the KAB brand (kab.com.br) while the legal entity remains Kredilig S.A.

Kredilig is regulated as a Brazilian S.A. - Crédito, Financiamento e Investimento (CNPJ 06.040.559/0001-21) and operates exclusively within Brazil. No institutional investors, venture funding, partnerships, patents, certifications, or named enterprise customers are disclosed in the available data, and no management team is publicly listed. The company has 11-50 employees per firmographic data, and there is no evidence of geographic expansion beyond its domestic market.

Name

Kredilig

Legal name

Kredilig S.A. - Crédito, Financiamento e Investimento

Website

https://kredilig.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Kredilig is a Brazilian digital consumer finance company offering personal loans and credit cards through the Konta mobile app. It operates as Kredilig S.A. - Crédito, Financiamento e Investimento, serving individual Brazilian consumers via mobile and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Lending: Revenue generated from personal loan products offered to consumers, including interest income from financed amounts.
2. Credit Card Services: Revenue from credit card operations including interchange fees, interest on revolving balances, and annual/monthly fees.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Kredilig is a Brazilian consumer finance company that provides personal loans (Empréstimo Pessoal) and credit cards (Nosso Cartão) to individual consumers. These products are originated and serviced digitally through the company's Konta mobile application, which is available on iOS and Android, with all products ultimately accessible via the kab.com.br platform as part of a brand transition to KAB.

Product overview

Kredilig is a Brazilian digital financial services company (Kredilig S.A. - Crédito, Financiamento e Investimento) offering a platform of personal banking products. The core product portfolio consists of Empréstimo Pessoal (personal loans) and Nosso Cartão (credit cards), which are distributed through the Konta mobile application available on iOS and Android. All products are accessible via the kab.com.br platform, with Kredilig serving as the branding entity for the credit, financing, and investment services.

Differentiator

Problem solved

Functional benefit

Brands

• Konta: Digital account and financial services app operated by Kredilig

Products and services

• Empréstimo Pessoal Kredilig (Personal Loan) Personal loan product allowing Brazilian consumer customers to obtain credit financing distributed through the Kredilig platform.
• Nosso Cartão Kredilig (Credit Card) Credit card product distributed through the Kredilig platform as part of the company's digital financial services portfolio for individual Brazilian consumers.
• Konta App Mobile banking application that integrates personal loan and credit card services for the Kredilig ecosystem, available on iOS (Apple App Store) and Android (Google Play Store) platforms.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves4 records

Expansion highlights3 records

Emerging players

• RecargaPay: Brazilian fintech offering digital account, credit, and prepaid card services via mobile app. Comparable digital-first consumer credit distribution model with overlapping product set.
• Will Bank: Brazilian digital consumer bank offering credit cards and personal credit products via mobile app. Emerging direct competitor in the same consumer lending niche with similar mobile-first positioning.
• Geru: Brazilian online personal loan platform targeting consumers via digital channels. Directly comparable in the personal loan origination space, though smaller and narrower in product scope.

Direct peers

• Nubank: Brazil's largest digital bank offering credit cards, personal loans, and a digital account via mobile app. Most directly comparable peer given identical consumer credit products and mobile-first distribution model targeting Brazilian individuals.
• C6 Bank: Brazilian consumer digital bank offering credit cards and personal loans through a mobile platform. Direct competitor in the same consumer credit segments with similar self-serve mobile distribution.
• Banco PAN: Brazilian bank specializing in consumer credit including personal loans and credit cards. Direct competitor in the same product categories with established retail distribution channels.
• Inter & Co: Brazilian digital super-app bank offering credit cards, personal loans, and a full digital account. Comparable in product breadth and Brazilian consumer focus, though operating at significantly larger scale.
• Banco BMG: Brazilian bank focused on consumer credit, payroll-deductible loans, and credit cards. Comparable business model centered on consumer lending products distributed through digital and partner channels.
• Creditas: Brazilian digital consumer lending platform offering personal loans and credit solutions. Direct competitor in Brazilian consumer credit with a digital-first distribution approach.

Broad incumbents

• PagBank PagSeguro: Brazilian payments and digital banking incumbent offering consumer credit and credit cards alongside broader payment services. Comparable consumer credit offerings but part of a much larger payments-led portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/minhakontadigital
• Instagraminstagram.com/minhakontadigital

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 Kredilig