Aciv

What Aciv does

Aciv (Associação Comercial e Industrial de Valinhos) is a private non-profit business association founded approximately 1971 and headquartered at Rua 21 de Dezembro, nº 90, Centro, Valinhos, São Paulo, Brazil. It represents and serves local traders, retailers, service providers, industrial businesses, and individual entrepreneurs in the municipality of Valinhos, acting as a unified voice for advocacy with local government. The association reported 13 employees. Its core product is credit protection services — Proteção ao Crédito — distributed as a local access point to the Boa Vista SCPC national credit database, offering per-transaction reports including USECHEQUE (R$0.60/op), SCPC+USECHEQUE (R$1.50/op), CONSULTA PAC (R$7.50/op), CONSULTA AC (R$19.00/op), SCPC-Empresarial (R$5.50/op), USEAUTO (R$6.30/op), simplified national reports (R$7.50/op), cadastral synthesis (R$1.90/op), USEFONE (R$0.65/op), and debtor notification letters (R$1.25/op).

ACIV's technology stack is conventional rather than proprietary: a website (acivonline.com.br) hosting membership information, a dedicated SCPC portal (scpc-valinhos.spcn.com.br), a 24-hour hotline (0800-707-4024), a WhatsApp consultation channel launched in 2016 for CPF queries, a Radio Web broadcasting system, and a physical sound broadcasting system used for daily community messages. Beyond credit protection, the association offers a bundled member benefits package including a 50+ tourism partner network across Brazilian destinations, health plan conveniums, education and training programs, financial solutions through bank partnerships, a Banco de Talentos job board, advertising space, and recurring seasonal promotional campaigns (Christmas, Mother's Day, Children's Day, Valentine's Day, Carnival) that drive consumer foot traffic to member businesses.

Revenue is generated through multiple streams: subscription recurring membership fees (undisclosed, likely quote-based), per-transaction fees for SCPC credit queries, advertising space on the website and communications, and affiliate/referral commissions from tourism and leisure partners. The go-to-market is sales-led (direct outreach via "Solicite uma visita!") combined with channel partnerships (Boa Vista SCPC, tourism operators, training partners). The association is affiliated with FACESP (Federação das Associações Comerciais do Estado de São Paulo) and collaborates with SEBRAE SP on entrepreneurship programs. Customer mix is concentrated among SMBs in Valinhos, with named examples including Supermercados Zarelli, Supermercados Caetano, Colégio Panda, Anhanguera Educacional, and Ford Viva Motors Valinhos.

Name

Aciv

Legal name

Associação Comercial e Industrial de Valinhos

Website

https://acivonline.com.br

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

11–50 employees

Short description

Aciv (Associação Comercial e Industrial de Valinhos) is a non-profit commercial association founded in 1971 that serves SMBs, retailers, and entrepreneurs in Valinhos, São Paulo, Brazil, providing Boa Vista SCPC credit protection services, training, tourism and health partnerships, and seasonal promotional campaigns to its local member businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Valinhos

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Fees: ACIV operates as an association of commerce and industry in Valinhos, generating revenue primarily through membership fees charged to associated businesses (traders, industries, and service providers). The association lures members by advocating for their business interests and offering a range of member benefits.
2. Credit Protection and SCPC Services: Fee-based access to Boa Vista SCPC credit information services for businesses, including checks on individuals (PF) and legal entities (PJ). Services include USECHEQUE, SCPC+USECHEQUE, CONSULTA PAC, CONSULTA AC, SCPC-Empresarial, USEAUTO, simplified national reports, cadastral synthesis, and USEFONE confirmation services. Revenue is per-transaction based on service type.
3. Boa Vista SCPC Access: Fees for accessing the Boa Vista SCPC national credit database, available via website, dedicated portal (scpc-valinhos.spcn.com.br), phone (0800-707-4024), or ACIV direct line. Data originates from notary protest offices, financial institutions, and commerce itself.
4. Advertising Space: The association sells advertising space (Espaço Publicitário) on its website and communication channels, allowing businesses to advertise their products and services to the local business community and consumers.
5. Tourism and Leisure Partnerships: Partnerships with hotels, pousadas (inns), and tourism operators offering discounted rates to members, their families, employees, and dependents. Revenue accrues through negotiated commission or preferential member pricing arrangements with partner establishments.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Aciv is a non-profit commercial and industrial association that provides credit protection services for businesses (Pessoa Jurídica) and individuals (Pessoa Física) via the Boa Vista SCPC national database, plus member benefits including tourism partnerships, financial solutions through bank partnerships, health plans, education/training, leisure perks, a talent bank, an advertising space, and a digital newsletter. It also functions as the representative body advocating for local business interests in Valinhos, São Paulo.

Product overview

Aciv (Associação Comercial e Industrial de Valinhos) is a commercial and industrial association that operates as a unified service platform rather than a traditional software product. The core offering centers on credit protection services (Proteção ao Crédito) utilizing the Boa Vista SCPC national database, which provides commercial debt information, returned checks, protests, and fraud alerts for both businesses (Pessoa Jurídica) and individuals (Pessoa Física). Supporting services include Tourism partnerships with hotels and resorts, Financial services through bank credit lines, Health plans (medical/dental), Education and professional training programs, Leisure and entertainment offerings, a Job Bank (Banco de Talentos) for employment placement, a Web Radio/Sound System for member communications, and the ACIV Notícias virtual newsletter. These services function as member benefits and partnership programs rather than a modular software architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Proteção ao Crédito - Pessoa Jurídica (Credit Protection for Businesses) Credit protection and information services for businesses, including USECHEQUE (returned checks database), SCPC + USECHEQUE, consulta PAC, consulta AC, SCPC-Empresarial, USE AUTO, simplified national report, cadastral synthesis, and USEFONE services for verifying business and individual data.
• Proteção ao Crédito - Pessoa Física (Credit Protection for Individuals) Credit protection services for individuals including SCPC Nacional consultation for commercial debt information, USEFONE for customer data verification, and inclusion services with debtor communication letters.
• Boa Vista SCPC (National Credit Database Access) National credit information database service providing commercial debt data, returned checks records, protests, bankruptcies, civil actions, and fraud alerts through ACIV as a local access point to the Boa Vista network.
• Turismo - Pousadas e Hotéis (Tourism Partnerships) Tourism partnership program offering discounted rates at over 50 hotels and resorts across Brazil (Monte Verde, Campos do Jordão, Serra Negra, Brotas, Caraguatatuba, etc.) for members, their families, employees, and dependents.
• Financeiro (Financial Solutions) Financial solutions through bank partnerships providing differentiated and attractive credit lines for member businesses.
• Educação (Education and Training) Education and professional qualification opportunities including courses, training, and development programs (Liderança, Primeiros Socorros, Kaizen em Vendas, Atendimento Além da Empatia, Administração Competitiva, Negociação) for members, families, employees, and dependents.
• Saúde (Health Plans) Health plan partnerships offering medical and dental insurance benefits for members, their families, employees, and dependents.
• Lazer e Diversão (Leisure and Entertainment) Leisure and entertainment partnerships providing recreational activities and discounts for member relaxation and stress relief.
• Banco de Talentos (Talent Bank) Talent database service allowing job seekers to register resumes and employers to search for candidates, facilitating job placement within the business community.
• Sistema de Som (Sound Broadcasting System / Rádio Web) Daily messaging system broadcasting business tips, information, news, and promotional content through audio announcements and web radio for member engagement.
• ACIV Notícias (Digital Newsletter) Virtual newsletter publishing business news, economic updates, and association information across multiple editions (Edições 33–83) for member awareness.

Quantifiable outcome

• 2,601 new and 4,200 semi-new toys collected for underprivileged children in the 2012 Children's Day social campaign
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• Clínica ImunityminorGTM or Marketing Partner · 5 December 2014New partnership announced with Clínica Imunity in December 2014, expanding ACIV's range of health and wellness benefits for members.
• Boa Vista Serviços (SCPC)coreTechnology or IntegrationBoa Vista SCPC is the central database integrating data from notary protest offices, financial institutions, and commerce across Brazil. ACIV provides access to this database for its member businesses and the local community, enabling credit risk assessment for individuals and legal entities. Access is available via website, dedicated portal, phone, and in-person at ACIV's office.
• Colégio PandaminorGTM or Marketing PartnerPartnership with Colégio Panda for joint promotional campaigns including Valentine's Day 2013 (with event at CACC featuring student performances) and Children's Day 2011 social campaign. The school community participates in ACIV-organized events and prize drawings.
• Anhanguera EducacionalminorGTM or Marketing PartnerCoordinated toy donation drive where Anhanguera students donated new toys for ACIV's Children's Day social campaign benefiting underprivileged children in Valinhos. An innovative partnership linking education with community social responsibility.
• Turismorama / Various Hotels and Pousadas PartnerscoreOthersACIV maintains partnerships with over 50 tourism establishments across Brazil, including hotels, pousadas (inns), eco-resorts, farm hotels, and campgrounds. Partners span destinations such as Monte Verde MG, Campos do Jordão, Serra Negra, Brotas, Caraguatatuba, Holambra, Águas de Lindóia, and many others. Special discounts are offered to ACIV members, their families, employees, and dependents.
• Facesp (Federação das Associações Comerciais do Estado de São Paulo)coreStrategic or Co-development PartnerACIV is affiliated with Facesp, the Federation of Commercial Associations of São Paulo State. The President of Facesp convened ACs to monitor the performance of federal deputies and senators, indicating ACIV's role in statewide commercial advocacy and political representation.
• SEBRAE SPcoreStrategic or Co-development PartnerACIV collaborates with SEBRAE SP (Brazilian Support for Micro and Small Enterprises) on entrepreneurship support programs. Mentioned in news about the 2012 Feira do Empreendedor event and training programs. SEBRAE provides technical support and resources for ACIV's training and business development initiatives.
• Ford Viva Motors ValinhosminorGTM or Marketing PartnerLocal Ford dealership where ACIV delivered a zero-km Celta car to the winner of the 2011 Christmas promotional campaign. The dealership served as the delivery point and partner for the promotional prize.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SPC Brasil: Brazilian credit information network serving consumers and businesses; comparable to ACIV's credit reporting function as a parallel national credit bureau infrastructure.
• Boa Vista Serviços: Operates the SCPC national credit database that ACIV resells; comparable as the central credit information utility whose network of local associations (including ACIV) distributes its products.
• Associação Comercial de São Paulo (ACSP): Largest commercial association in São Paulo; comparable as a fellow Brazilian commercial association offering SCPC access, training, and member benefits at metropolitan scale.

Others

• Sebrae (Serviço Brasileiro de Apoio às Micro e Pequenas Empresas): Federal SMB support agency that partners with ACIV on training and entrepreneurship programs; comparable as a stakeholder in the Brazilian SMB support ecosystem where ACIV operates.
• Facesp (Federação das Associações Comerciais do Estado de São Paulo): The state federation to which ACIV belongs; comparable as the umbrella coordinating body for São Paulo's commercial associations like ACIV.

Regional players

• Associação Comercial e Industrial de Campinas (ACIC): Commercial and industrial association serving Campinas, the regional metropolitan hub near Valinhos; comparable as a structurally similar ACI serving SMBs in a nearby São Paulo municipality.

Direct peers

• CDL (Câmara de Dirigentes Lojistas): Brazilian retail merchant chambers providing credit protection, SPC access, and business advocacy; closely comparable to ACIV as a parallel local business association format operating in other municipalities.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/aciv

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 Aciv