Trê

What Trê does

Trê Investindo com Causa (legal entity: Associação Trê Investindo com Causa) is a Brazilian non-profit civil association founded in 2018 and headquartered in Pinheiros, São Paulo, that structures and coordinates financing and strengthening programs for social and environmental impact businesses ("negócios com causa"). The organization operates hybrid financial architectures combining Blended Finance and Venture Philanthropy to channel donor and investor capital toward socioenvironmental solutions that conventional financing does not reach, and it serves three principal sides of a marketplace: cause-driven SMEs seeking capital and capacity-building, cause-aligned retail and institutional investors, and donors/philanthropists seeking structured vehicles and transparency. As a non-profit association with 11-50 employees, Trê does not generate traditional product revenue; its operations are financed through grants, program structuring fees, and partner contributions.

The company's core technology foundation is a peer-to-peer (P2P) lending platform operated as a registered correspondent of Mova Sociedade de Empréstimo entre Pessoas under Banco Central do Brasil Resolution CMN nº 4.935/21, enabling direct investments from as little as R$10 into pre-vetted impact businesses. Layered on this is a methodology stack consisting of Mandala 5D (a proprietary multi-dimensional impact measurement framework), the Selo Trê de Impacto certification issued to businesses completing the Medir para Transformar consulting journey, and Valor.ea — a 2025-launched valuation and transition system adapted from SEKEM's Economy of Love Standard and structured around four dimensions (Cultural, Social, Economic, Environmental) and six support structures. Trê also provides philanthropic fund management services (segregated accounts, external auditing, management reporting) and SME consulting and mentorship aligned to ESG and impact practices.

The portfolio of branded programs shows explicit thematic and geographic diversification: CoVida20 (pandemic-response blended financing, R$6.7M deployed, 47 SMEs, 772 jobs preserved, 80%+ five-year survival), Crédito ODS (SDG-aligned P2P lending, R$7M+ mobilized, 558 investors), Multiplica Educação (education for classes C/D/E), Territórios Regenerativos (Atlantic Forest, Mata da Várzea), Amazon People (agroecological transition), Zunne (North/Northeast Brazil, prioritizing women/Black/Indigenous-led SMEs), and Vira Moda (sustainable fashion). Go-to-market is community-led and event-driven, anchored by the SorveTrê relationship-building format, supported by content marketing (MomenTrê newsletter, Nossas Histórias series), webinars, and partner referrals through SEBRAE, Sistema B Brasil, Capitalismo Consciente, Latimpacto, and Impact Hub São Paulo. Reported scale includes R$23M mobilized across 172 funding rounds with 800+ investors and 77 supported impact businesses, with 86%+ of loaned capital returned to investors and 100% of small-investor operations fully repaid.

Name

Trê

Legal name

Associação Trê Investindo com Causa

Website

https://treinvestimentos.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Trê Investindo com Causa is a Brazilian non-profit founded in 2018 that structures blended finance and P2P lending programs, channeling capital from cause-aligned investors and donors to social and environmental impact SMEs via a regulated Mova correspondent platform, with proprietary impact measurement and certification services.

Ownership category

akta.pro rank

Product category

Impact Finance & Advisory

NAICS

Grantmaking and Giving Services (81321), Civic and Social Organizations (813410), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Secured Microloans (Community/Nonprofit, Collateralized) (FSAKALAJ)

akta.pro secondary industries

Private Sector & Blended Finance Arms (IFC-type) (BPADACAJ), Corporate Foundations & CSR Grantmaking (BPAGAKAC)

Keywords

• Peer-to-peer lending
• Impact investing
• Blended finance
• Philanthropy advisory
• Impact measurement

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory and Consulting Services: Trê provides consulting and mentorship for small enterprises (PMEs), offering exclusive methodologies that align businesses with ESG and impact practices. Services include active listening, practical tools, and impact certification to transform enterprises into sustainable, human, and financially healthy solutions.
2. Philanthropic Fund Management: Creation and operation of philanthropic funds with robust accounting and legal structure, ensuring security, transparency, and strategic resource allocation. Services include segregated accounts, external auditing, management reports, partnership formalization, and complete financial operation.
3. Program Structuring and Coordination: Structuring and coordinating financing and strengthening programs for cause-driven businesses. Trê transforms causes into structured programs, connecting ideas to solutions, networks, and resources from conception to management.
4. Collective Lending Platform (P2P): As correspondent for Mova SEP (regulated by Banco Central do Brasil), Trê facilitates peer-to-peer lending operations. Platform enables direct investment from R$10 in cause-aligned businesses, with interest rates and loan terms structured through the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Trê is a Brazilian non-profit civil association (associação civil sem fins lucrativos) founded in 2018 that structures, coordinates, and manages financing and strengthening programs for impact businesses. It operates a peer-to-peer collective lending platform (in partnership with regulated entity Mova) that connects cause-driven individual investors with SMEs, manages philanthropic funds aligned with the UN SDGs, and provides consulting and mentorship to small impact enterprises. Programs combine concessional loans, donations, ESG-linked corporate capital, and investor capital under integrated blended-finance structures.

Product overview

Trê is a nonprofit association that structures and coordinates financing and strengthening programs for impact businesses. The core offerings include a peer-to-peer crowdfunding platform (Plataforma de Financiamento Coletivo P2P), program structuring and management services, philanthropic fund management, and SME consulting/mentorship. The product portfolio spans specialized programs including CoVida20 (emergency pandemic financing), Crédito ODS (SDG-aligned lending), Multiplica Educação (education sector support), Territórios Regenerativos (regenerative territorial development), Amazon People (agroecological transition), Zunne (North/Northeast investment), Vira Moda (sustainable fashion), and Valor.ea (Economy of Love certification system). Operations are facilitated through the Trê-MOVA partnership, a regulated P2P lending platform. Additional services include Medir para Transformar for impact measurement and certification.

Differentiator

Problem solved

Functional benefit

Brands

• Valor.ea: Sistema de valoração e transição para uma economia com amor - a valuation and transition system for an Economy of Love, inspired by SEKEM's Economy of Love Standard
• Crédito ODS
• CoVida20
• Multiplica Educação
• Territórios Regenerativos

Quantifiable outcome

• R$ 6.7 million invested in 47 businesses, preserving 772 jobs with 80%+ survival rate after 5 years
• +3 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

13 partnerships are on record, tiered core, program, network and minor.

• Mova Sociedade de Empréstimo entre PessoascoreTechnology or IntegrationMova is the regulated P2P lending platform (SEP) partner, operating under Banco Central do Brasil authorization. Trê acts as correspondent, facilitating collective lending operations where investors directly fund impact businesses through the platform.
• SEKEMcoreStrategic or Co-development PartnerSEKEM (Egypt) developed the Economy of Love Standard - a certification for sustainable, ethical, and transparent products across the value chain. Trê adapted this framework to create Valor.ea system in Brazil, implementing the holistic 4-dimension approach (Cultural, Social, Economic, Environmental) for regenerative economy.
• Sistema B BrasilcoreStrategic or Co-development PartnerSistema B Brasil is a co-creator of the CoVida20 program, bringing expertise in certified B Corporations and impact business standards. The partnership leverages Sistema B's network and credibility in the impact economy.
• Capitalismo Consciente BrasilcoreStrategic or Co-development PartnerCapitalismo Consciente Brasil co-created CoVida20 program, contributing conscious capitalism principles and connecting to member companies seeking to align investments with values.
• Din4mocoreStrategic or Co-development PartnerDin4mo (Dinâmica de Moedas) was a co-creator of CoVida20, contributing expertise in innovative finance mechanisms and community currency approaches.
• SITAWI Finanças do BemcoreImplementation/ SI/ Consulting PartnerSITAWI administers the Rotativo Filantrópico CoVida20 Fund, channeling donations to impact businesses via the platform and continuing to foster impact economy after the crisis.
• Parsifal21coreStrategic or Co-development PartnerParsifal21 co-develops the Territórios Regenerativos programs with Trê, contributing regenerative economy expertise and regional development approaches.
• SEBRAE Distrito FederalcoreImplementation/ SI/ Consulting PartnerSEBRAE DF partnered with Trê for the 'Medir para Transformar' impact measurement consultancy program, providing capacity building and innovation support to 10 local impact businesses in a 100% female cohort.
• Coalizão pelo ImpactocoreStrategic or Co-development PartnerCoalizão pelo Impacto is a national movement connecting investors, entrepreneurs, and organizations that partnered with Trê and SEBRAE DF for impact measurement programming.
• Amazon PeopleprogramStrategic or Co-development PartnerAmazon People is a socioenvironmental impact business using sustainable agriculture to transform lives and improve Amazon indicators. Partner for agroecological transition programs.
• LatimpactonetworkStrategic or Co-development PartnerLatin American and Caribbean network that enhances flow of human, intellectual, and financial capital for impact. Trê is an associate member engaging in Venture Philanthropy and Blended Finance.
• Ellen MacArthur FoundationnetworkStrategic or Co-development PartnerGlobal thought leader in circular economy, referenced by Trê as a key framework source for understanding circular economy principles and systems thinking.
• Impact Hub São PaulominorChannel Partner/ Reseller/ DistributorInnovation hub that supported COVID-19 emergency fund initiatives and connects to impact entrepreneurship ecosystem.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Vox Capital: Brazilian impact venture capital firm investing in impact businesses at the base of the pyramid. Comparable as a capital provider serving the same impact SME segment in Brazil, though focused on equity rather than debt and blended finance.
• sitawi Finanças do Bem: Brazilian impact finance organization administering the CoVida20 Rotativo Filantrópico fund. Directly comparable as a fellow Brazilian impact finance intermediary providing blended finance, philanthropic fund administration, and impact measurement services.
• Mova (Sociedade de Empréstimo entre Pessoas): Mova is the regulated SEP (Sociedade de Empréstimo entre Pessoas) platform that hosts Trê's P2P lending operations. Directly comparable as the underlying P2P infrastructure Trê acts as correspondent for, serving the same investor and borrower base in Brazil.
• Capitalismo Consciente Brasil: Brazilian conscious capitalism movement and CoVida20 co-creator. Comparable as a network organization that mobilizes corporate capital and members toward impact-aligned business practices, with overlapping investor and partner base.
• Sistema B Brasil: Brazilian B Corp certification network and CoVida20 co-creator. Comparable as a network organization that promotes and validates impact business practices, providing ecosystem infrastructure that overlaps with Trê's Selo Trê de Impacto certification.
• Yunus Negócios Sociais Brasil: Brazilian arm of the global Yunus Social Business network. Comparable as a nonprofit hub that supports and channels capital to social businesses in Brazil, using blended finance mechanisms similar to Trê's approach.

Emerging players

• SEKEM: Egyptian sustainable development organization that originated the Economy of Love Standard that Trê adapted for Valor.ea. Comparable as a pioneering blended-finance and impact-certification organization, though operating in a different geography with more mature infrastructure.

Broad incumbents

• BNDES: Brazilian National Development Bank and Trê partner. Comparable as a much larger, state-owned development finance institution deploying capital into Brazilian impact and SME programs, providing a benchmark for institutional scale impact capital deployment.
• Cresol: Brazilian cooperative credit system serving small farmers and rural entrepreneurs. Comparable as a Brazilian financial institution serving the underbanked with community-based lending, though Cresol uses a member-owned cooperative model rather than P2P.
• Banco ABC Brasil: Brazilian commercial bank operating the ABC Social ESG initiative in partnership with Trê. Comparable as a larger incumbent financial institution deploying capital into impact business programs in Brazil, though operating at materially larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@TreInvestindocomCausa
• Facebookfacebook.com/treinvestindocomcausa
• LinkedInlinkedin.com/company/treinvestindocomcausa
• Instagraminstagram.com/treinvestindocomcausa

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Trê