PoloCred

What PoloCred does

PoloCred (legal name Polocred SCMEPP) is a regulated Brazilian microcredit institution headquartered in Florianópolis, Santa Catarina. Founded on April 17, 2006, it operates as a Sociedade de Crédito ao Microempreendedor e à Empresa de Pequeno Porte (SCMEPP) under authorization from Banco Central do Brasil, and is the only institution of this type licensed in the state of Santa Catarina. The company serves microentrepreneurs and small businesses (Empresas de Pequeno Porte) seeking access to formal credit in a region historically underserved by mainstream banks.

Its product surface is narrow and centered on regulated lending. Customer access is delivered through the Pinbank-powered Portal Pinbank (acessoaconta.com.br), a dedicated operational platform (pinbank.com.br), and mobile applications on Android and iOS. There is no proprietary core technology disclosed; the digital stack is provided by third-party partner Pinbank. The institution is also affiliated with ABSCM, the Brazilian Association of Microcredit Societies, which provides industry representation, regulatory guidance, and an external ombudsman channel for customer complaints.

PoloCred's business model is interest-income-driven microcredit lending to a regionally bounded borrower base. Pricing is not publicly disclosed, and the company is privately held with no disclosed investors, parent entity, or external funding rounds. Revenue concentration on microcredit within a single Brazilian state implies correlated exposure to Santa Catarina's economic cycle and limited diversification across products or geographies.

Name

PoloCred

Legal name

Polocred SCMEPP

Website

https://polocred.com.br

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

PoloCred is a regulated SCMEPP microcredit institution headquartered in Florianópolis, serving microentrepreneurs and small businesses in the Brazilian state of Santa Catarina with interest-bearing credit products and Pinbank-powered digital channels.

Ownership category

akta.pro rank

Product category

Microfinance and Small Business Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Microcredit lending
• Small business credit
• Brazilian microfinance
• SME loan services
• SCMEPP institution

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Microcredit and SME Lending: PoloCred generates revenue through interest income from providing credit services to micro entrepreneurs and small businesses, operating as a SCMEPP (Sociedade de Crédito ao Microempreendedor e à Empresa de Pequeno Porte) authorized by Banco Central do Brasil.

Distribution channels3 records

Core offering

PoloCred SCMEPP is a regulated Brazilian microcredit institution that extends credit to micro entrepreneurs and small businesses in the state of Santa Catarina. It provides loan products under SCMEPP authorization from Banco Central do Brasil, supported by a customer portal (Portal Pinbank), mobile applications, and an operational platform for account access and transaction processing. Customers access credit services and account management through digital self-service channels.

Product overview

PoloCred SCMEPP operates as a financial institution offering credit and microfinance services. The company provides a customer-facing online portal (Portal Pinbank) for account access, along with mobile applications for Android and iOS platforms, and an operational platform for internal processing. The product portfolio centers on serving microentrepreneurs and individuals in Santa Catarina with Banco Central-authorized financial services.

Differentiator

Problem solved

Functional benefit

Products and services

• Microcredit and SME Lending Regulated credit services for micro entrepreneurs and small businesses in Santa Catarina, operated by the only SCMEPP licensed by Banco Central do Brasil in the state. Customers access loans through the PoloCred customer portal and mobile applications.
• Portal Pinbank (Customer Portal) Online customer portal providing PoloCred clients with access to account management, statements, and financial services, powered by technology partner Pinbank.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• ABSCM (Associação Brasileira das Sociedades de Crédito ao Microempreendedor)coreOthersPoloCred is affiliated with ABSCM, the Brazilian Association of Microcredit Societies. The partnership provides industry representation, regulatory guidance, and access to a network of SCMEPP institutions across Brazil. ABSCM also provides an ombudsman service for customer complaints.
• PinbankcoreTechnology or IntegrationPinbank provides the technological infrastructure for PoloCred's customer portal and operational platform. Customers access their accounts through the Pinbank-powered portal (acessoaconta.com.br) and operational platform (pinbank.com.br).

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Emerging players

• Geru: Geru is a Brazilian fintech lender providing personal loans to mid-tier and underbanked consumers using data-driven underwriting. Comparable to PoloCred in addressing borrowers underserved by traditional banks, though operating nationally through a fully digital channel.
• Creditas: Creditas is a Brazilian digital lending fintech focused on asset-backed and consumer credit. Comparable to PoloCred in targeting Brazilian borrowers with tailored credit products, but operating with a digital-first model rather than as a state-licensed microcredit institution.

Direct peers

• CrediAmigo (Banco do Nordeste): CrediAmigo is the microcredit arm of Banco do Nordeste, providing small loans to micro-entrepreneurs in Brazil's Northeast. It is comparable to PoloCred as both operate regulated, region-focused microcredit franchises serving informal and small business borrowers, albeit at materially larger scale and geographic scope.
• ABSCM-affiliated SCMEPPs (other Brazilian SCMEPPs): ABSCM is the industry association of Brazilian SCMEPPs, of which PoloCred is a member. Other member SCMEPPs operate under the same regulatory framework and serve similar micro-entrepreneur segments across other Brazilian states, making them the closest direct comparables to PoloCred's operating model and customer profile.

Broad incumbents

• Banco PAN: Banco PAN is a Brazilian commercial bank with consumer and SME credit products including personal loans and working capital. Comparable to PoloCred in the small-business and consumer credit product category, though far broader in product range and geographic reach.
• Nubank: Nubank is a leading Brazilian digital bank offering personal loans, credit cards, and business accounts. Comparable in addressing financial-inclusion for underbanked segments of Brazil, though at vastly greater scale and with a much broader product suite than a single-state SCMEPP.
• Crefisa: Crefisa is a Brazilian consumer and small-business lender offering personal loans, payroll loans, and credit to underserved segments. Comparable to PoloCred in serving borrowers with limited formal credit access, though at much larger scale and broader geographic scope.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Polocred-Scmepp-223530201889633
• LinkedInlinkedin.com/company/polocred---sociedade-de-credito-ao-microempreendedor-e-a-empresa-de-pequeno-porte

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 PoloCred