BS FIDC

What BS FIDC does

BS FIDC is a Brazilian Fundo de Investimento em Direitos Creditórios (FIDC) — a regulated credit rights investment fund — established in 1998 and headquartered in Itu, São Paulo, Brazil. For over 25 years, the company has specialized in receivables anticipation (antecipação de recebíveis), purchasing outstanding duplicatas (invoices) and installment credit card receivables from Brazilian businesses and advancing the net value directly to the client's account on the same day as the operation. The service covers present and future receivables, with or without boleto issuance, and applies to both product sales and service provision.

The company's core product is a single service line — receivables anticipation — rather than a multi-product platform. Underlying technology is not disclosed; the firm operates a dedicated client portal (orderby.bsfidc.com.br) for existing customers to initiate and manage operations, alongside a corporate website and LinkedIn presence for marketing. No API, mobile app, or technology stack details are publicly available. The company employs 51-100 people and maintains a single office location.

BS FIDC generates revenue through transaction fees on each receivables purchase, with rates negotiated bilaterally based on the value and maturity of the receivables (the "taxa pactuada"). The go-to-market is direct B2B sales to a horizontal customer base spanning multiple sectors of the Brazilian economy. Customer acquisition relies on direct outreach rather than disclosed channel partnerships, and the company has no publicly named major clients, partnerships, or alliances. As an FIDC structure, the company is subject to CVM (Comissão de Valores Mobiliários) regulation, but ownership (sponsors, managers, quota holders) is not publicly disclosed.

Name

BS FIDC

Legal name

BS FIDC

Website

https://bsfactoring.com.br

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

51–100 employees

Short description

BS FIDC is a Brazilian credit rights investment fund (FIDC) founded in 1998 that purchases business receivables—invoices (duplicatas) and credit card installments—and advances same-day cash to companies across multiple sectors of the Brazilian economy, earning transaction fees on each operation.

Ownership category

akta.pro rank

Product category

Receivables Financing / Commercial Finance

NAICS

Nondepository Credit Intermediation (5222), Sales Financing (52222)

SIC

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

akta.pro industry

PRIMARYFSAKAGAD

Merchant Cash Advance (MCA) & Revenue-Based Financing

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Receivables anticipation
• Credit rights fund
• Cash flow management
• Duplicata discounting
• Installment credit finance

Headquarters

HQ city

Itu

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Receivables Anticipation Fees: BS FIDC generates revenue by advancing payments on behalf of businesses for their receivables (duplicatas and installment credit card payments). The company charges a mutually agreed rate ('taxa pactuada') based on the value and maturity of the receivables. This is a transaction-based revenue model where fees are earned on each operation.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

BS FIDC is a Brazilian investment fund in credit rights (FIDC) that purchases outstanding receivables — duplicatas and installment credit card receivables — from Brazilian businesses at a negotiated discount, providing same-day liquidity. The fund operates across various sectors of the Brazilian economy, handling both present and future receivables with or without boleto issuance, for product sales and service provision. With over 25 years of experience, BS FIDC positions itself as a dedicated cash flow management partner for companies that sell on credit.

Product overview

BS FIDC operates as a unified financial services platform specializing in receivables anticipation and credit solutions. The core offering is the Antecipação de Recebíveis service, which enables businesses to convert installment sales and outstanding receivables (including duplicatas/invoices and credit card receivables) into immediate cash. The service covers both present and future receivables, with or without boleto issuance, and operates for both product sales and service provision. The company has over 25 years of experience in this segment.

Differentiator

Problem solved

Functional benefit

Products and services

• Antecipação de Recebíveis (Receivables Anticipation) Core financial service through which BS FIDC purchases outstanding duplicatas and installment credit card receivables from Brazilian businesses at a negotiated discount rate ('taxa pactuada') based on value and maturity, then deposits the net value in the client's account the same day, providing immediate liquidity. The service applies to credit sales, installments, present and future receivables, with or without boleto issuance, and across both product and service businesses.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Banco PAN: Banco PAN is a Brazilian mid-sized bank offering credit cards, consumer loans, and receivables financing products. It is comparable to BS FIDC as a broader credit institution with significant receivables anticipation and consumer credit operations, though operating at larger scale.
• Banco Daycoval: Banco Daycoval is a Brazilian commercial bank with a factoring subsidiary and active receivables anticipation business for corporate clients. It is comparable to BS FIDC as a competitor in the Brazilian receivables anticipation market, though at larger scale and broader scope.
• Banco ABC Brasil: Banco ABC Brasil is a Brazilian commercial bank serving middle-market and corporate clients with lending and treasury products including receivables financing. It is comparable to BS FIDC as a Brazilian credit institution in the receivables anticipation space, though serving larger corporate clients.
• Banco Pine: Banco Pine is a Brazilian commercial bank with a corporate banking focus, including factoring and receivables financing for businesses. It is comparable to BS FIDC as a credit intermediary operating in the Brazilian receivables space, though serving larger corporate clients.
• Banco Sofisa: Banco Sofisa is a Brazilian commercial bank offering credit and receivables financing solutions to businesses. It is comparable to BS FIDC as a Brazilian non-depository or hybrid credit provider in the SME and corporate receivables financing market.
• Itaú Unibanco: Itaú Unibanco is Brazil's largest private bank, offering factoring, receivables anticipation, and working capital solutions through its corporate banking division. It is comparable to BS FIDC as a major player in the Brazilian receivables anticipation market, representing the scale end of the competitive set.

Direct peers

• BMG: BMG is a Brazilian commercial bank historically focused on payroll-deductible loans and credit operations including receivables-backed products. It is comparable to BS FIDC as a specialist credit provider serving Brazilian consumers and SMEs with non-traditional lending products.
• Facta Financeira: Facta Financeira is a Brazilian financial institution providing credit solutions and receivables-backed financing to businesses and individuals. It is directly comparable to BS FIDC as a non-bank credit intermediary focused on receivables and short-term business financing in Brazil.
• Paraná Banco: Paraná Banco is a Brazilian bank focused on credit and payroll-deductible lending, with operations in working capital and receivables financing for businesses. It is comparable to BS FIDC as a Brazilian credit specialist serving SMEs and individuals with transaction-based lending products.
• Crefisa: Crefisa is a Brazilian financial institution specializing in consumer and small-business credit, including payroll-deductible and receivables-backed lending. It is directly comparable to BS FIDC in serving credit-constrained Brazilian borrowers with short-term, transaction-based credit products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/bs-fidc

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 BS FIDC