Associação Comercial de Santa Cruz do Rio Pardo

What Associação Comercial de Santa Cruz do Rio Pardo does

Associação Comercial de Santa Cruz do Rio Pardo (ACE Santa Cruz do Rio Pardo) is a non-profit commercial association serving local merchants, retailers, and small businesses in the municipality of Santa Cruz do Rio Pardo, in the interior of São Paulo state, Brazil. Founded in 1973 and reactivated in its current form in 1983, the association operates with a small team of approximately 6 employees and functions as the principal representative body and service provider for the local commercial community. Its core constituency is local shop owners, service providers, and small entrepreneurs who seek institutional representation, legal guidance, and access to shared services.

The association's product portfolio spans roughly 16 service lines, anchored by SCPC/Boa Vista credit-bureau checks, digital certificates (e-CPF/e-CNPJ), legal and tax guidance, brand protection/anti-counterfeiting support, commercial registration and certificate issuance, and partnership-based offers such as health plans and fuel cards. It also hosts the "Sebrae Aqui" channel, channeling Brazilian federal small-business development services to local members. Technology is limited and largely third-party: a public website and a mobile app built on the Totel platform, with no proprietary core systems. Institutional affiliation with FACESP (the São Paulo state federation of commercial associations) provides back-office and political representation.

The business model is membership-based: members pay annual dues and consume services on a transactional or subscription basis. Revenue is supplemented by service fees on credit checks, certificate issuance, and partner-channel commissions. There is no visible fundraising, external investment, or acquisition activity. The association is president-led (currently Francisco Junior Bibiano) and operates as a non-profit civic institution rather than a growth-oriented enterprise.

Name

Associação Comercial de Santa Cruz do Rio Pardo

Legal name

Associação Comercial e Empresarial de Santa Cruz do Rio Pardo

Website

https://acesantacruz.com.br

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

1–10 employees

Short description

ACE Santa Cruz do Rio Pardo is a non-profit Brazilian commercial association serving local merchants and small businesses in Santa Cruz do Rio Pardo, São Paulo. It offers SCPC credit checks, digital certificates, legal guidance, and Sebrae's entrepreneurship services through a membership-based model.

Ownership category

akta.pro rank

Headquarters

HQ city

Santa Cruz do Rio Pardo

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, Others

Revenue model

1. Member Dues / Membership Fees: ACE Santa Cruz operates as a commercial association and likely derives primary revenue from membership fees charged to affiliated traders and businesses in Santa Cruz do Rio Pardo. The association offers services and convenants (convenios) to members as part of the value proposition.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

ACE Santa Cruz is a non-profit commercial and business association providing local merchants and SMEs with credit and collection information services (SCPC/Boa Vista), digital certificates, legal guidance, recruitment and selection support, workplace wellness programs, professional training courses, and partnership benefits (health insurance, food cards, banking, postal services). It also hosts a SEBRAE Aqui advisory point for small business development and operates a commerce ombudsman service for member dispute resolution.

Product overview

ACE Santa Cruz is a commercial and business association providing a broad portfolio of member services. The core offering consists of multiple service modules including business consultation (SCPC/credit checks), digital certificates, legal guidance, recruitment services, food benefits cards, health insurance partnerships (UNIMED), SEBRAE business advisory services, and professional training courses. Additional services include patent/intellectual property registration, workplace wellness programs (labor gymnastics), commerce ombudsman, and venue rental for events. The association also partners with educational institutions (SEST SENAT, SESI, Secretaria da Cultura) to offer professional development courses. This is a multi-service platform addressing various needs of local commerce businesses rather than a single unified software product.

Differentiator

Problem solved

Functional benefit

Products and services

• ACCelular
• Cartão Alimentação
• Recrutamento e Seleção
• Certificado Digital
• Certificado de Origem
• Serviços de Consulta (SCPC Boa Vista)
• Orientação Jurídica
• Registros e Patentes
• Ginástica Laboral
• Instituto Talentos
• UNIMED Health Plan Partnership
• Sebrae Aqui
• Capacitações e Treinamentos
• Locação de salão e sala de treinamento
• Ouvidoria do Comércio
• Cursos Profissionais

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• Sebrae (Sebrae Aqui)coreStrategic or Co-development PartnerACE Santa Cruz hosts a Sebrae Aqui (Sebrae Here) service point, providing small business development support, training, and advisory services to local entrepreneurs through the partnership with SEBRAE (Brazilian Support Service for Micro and Small Businesses).
• SESI (Serviço Social da Indústria)minorChannel Partner/ Reseller/ DistributorACESanta Cruz offers SESI courses through the association, allowing members and local businesses to access workforce development and training programs provided by SESI.
• SEST SENAT Santa Cruz do Rio Pardo (Posto Cruzadão)minorChannel Partner/ Reseller/ DistributorACE Santa Cruz offers SEST SENAT courses through the association, providing worker health and skills development programs to members and the local business community.
• Secretaria da CulturaminorStrategic or Co-development PartnerACE Santa Cruz partners with the Secretaria da Cultura (Culture Department) to offer cultural courses and programs through the association.
• ACCelularminorChannel Partner/ Reseller/ DistributorACCelular is a partnership offering provided through the association, offering mobile/cellular services to members at preferential rates.
• Cartão AlimentaçãominorChannel Partner/ Reseller/ DistributorMeal card (food benefit) program provided as a partnership through the association, offering meal/food card services to affiliated businesses and their employees.
• SCPC / Boa VistacoreTechnology or IntegrationACE Santa Cruz provides SCPC (Serviço Central de Proteção ao Crédito) and Boa Vista credit protection and information services to members, helping local businesses manage default risk and credit decisions.
• Certificado Digital (Certisign)minorChannel Partner/ Reseller/ DistributorDigital certificate issuance service available at ACE Santa Cruz, in partnership with Certisign, for members needing digital signatures and electronic certificates.
• Instituto TalentosminorChannel Partner/ Reseller/ DistributorTalent Institute partnership offering recruitment, selection, and human resources services to members and local businesses.
• UNIMEDminorChannel Partner/ Reseller/ DistributorHealth plan partnership with UNIMED, offering healthcare coverage options to members, business owners, and their employees.
• Sicoob PaulistaminorChannel Partner/ Reseller/ DistributorFinancial services and banking partnership with Sicoob Paulista, a credit union cooperative, offering banking and financial products to association members.
• SicrediminorChannel Partner/ Reseller/ DistributorFinancial services partnership with Sicredi, a Brazilian cooperative bank, offering banking and financial services to members.
• CorreiosminorChannel Partner/ Reseller/ DistributorPartnership with Correios (Brazilian Post Office) providing postal and shipping services to association members.
• Boa Vista Serviços (SCPC)coreTechnology or IntegrationBoa Vista Serviços provides credit bureau and default prevention data services to ACE members via the SCPC (Serviço de Proteção ao Crédito) platform, helping local businesses assess customer creditworthiness.
• CresolminorChannel Partner/ Reseller/ DistributorFinancial cooperative banking partnership offering credit and banking services to association members.
• FACESP (Federação das Associações Comerciais do Estado de São Paulo)coreStrategic or Co-development PartnerACESanta Cruz is affiliated with FACESP, the Federation of Trade Associations of the State of São Paulo, which provides institutional support, networking, and advocacy for commercial associations across the state.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• CACB (Confederação das Associações Comerciais e Empresariais do Brasil): National confederation of Brazilian commercial and business associations. CACB operates at the federal level with overlapping purpose (advocacy, institutional support, member services) and represents the broader ecosystem of which ACE Santa Cruz is a constituent member.
• Sebrae (Serviço Brasileiro de Apoio às Micro e Pequenas Empresas): Brazil's national SME support service, which ACE partners with via the 'Sebrae Aqui' program. While broader in scope (federal agency), SEBRAE delivers overlapping services (training, advisory, SME development) to the same customer base of small local merchants.
• FACESP (Federação das Associações Comerciais do Estado de São Paulo): State-level federation to which ACE Santa Cruz is affiliated. FACESP represents and coordinates trade associations across São Paulo State, providing institutional support, advocacy, and networking — overlapping with ACE's role at a higher geographic tier.

Others

• Boa Vista Serviços (formerly SCPC): Brazilian credit bureau whose SCPC service ACE resells to members for credit/default checks. Functionally related as the underlying provider of a core ACE service, and comparable as a financial information intermediary serving Brazilian SMBs.
• SESC / SESI (Serviço Social do Comércio / da Indústria): Brazilian commerce/industry social services organizations offering training, wellness, and recreational programs. ACE partners with SESI/SEST SENAT to deliver courses to its members — parallel institutional infrastructure in the Brazilian commerce ecosystem.

Direct peers

• CDL (Câmara de Dirigentes Lojistas) - Local Chapters: CDLs are local commerce leader councils operating in cities across Brazil with a nearly identical model to ACE/ACI associations: membership-based services for local retailers, including credit information (SPC), legal support, and digital certificates. Strong functional overlap with ACE.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/acesantacruz
• LinkedInlinkedin.com/company/acesantacruz
• Instagraminstagram.com/acesantacruz

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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