CDL Chapecó

What CDL Chapecó does

CDL Chapecó (Câmara de Dirigentes Lojistas de Chapecó) is a civil non-profit trade association founded on April 23, 1969, in Chapecó, Santa Catarina, Brazil, serving small and medium-sized retail business owners (lojistas) in Chapecó and the broader western Santa Catarina region. The association operates from a 9-person headquarters at Avenida Getúlio Vargas 1748-N in the CESEC building and has been the regional integrating hub for SPC Brasil credit services across nine surrounding municipalities since 1996. Core services include SPC Brasil credit consultations and registrations (integrated with the national SPC system since May 2001), electronic invoice storage (CDL NFE), mobile telephony plans (CDL Phone), digital certificate issuance (E-CPF/E-CNPJ), a retail business school (Escola de Negócios do Varejo), benefit card programs (Personal Card), and event space rentals. The association is governed by a board elected from member businesses for two-year terms, with Roni Tasca (T6 Comercio de Calçados) currently serving as president for the 2026-2027 biennium.

The business model combines annual membership fees (recurring subscription) with per-transaction fees for services. CDL Chapecó aggregates member demand to negotiate partner benefits that would be unavailable to individual retailers, including Sicredi Região da Produção credit lines, Uno+ Saúde health plan discounts, tuition discounts at UNOESC/UNOCHAPECÓ/UCEFF/Yazigi/CCAA, and a Chapecoense football club partnership. The association also runs collective promotional campaigns (Semana Total held monthly, the legacy Dia D Saturday campaign) that drive consumer traffic to member businesses, plus youth and women's entrepreneurship programs (CDL Jovem, CDL Mulher). Revenue is not publicly disclosed.

The underlying technology stack is modest: third-party SPC Brasil integration for credit data, a web-based electronic invoice storage system, digital certificate issuance infrastructure, and a website with WhatsApp-based membership inquiry. There is no proprietary technology platform, no mobile application, and no AI/ML capabilities. The association functions as a regional chamber of commerce and benefit aggregator rather than a technology company.

Name

CDL Chapecó

Legal name

CDL Chapecó (Câmara de Dirigentes Lojistas de Chapecó)

Website

https://cdlchapeco.com.br

Company type

Private

Founded year

1969

Operating status

Operating

Short description

CDL Chapecó is a civil non-profit trade association founded in 1969, serving retail SMBs in Chapecó and western Santa Catarina, Brazil. It provides SPC credit consultations, digital certificates, telephony, training, and negotiated partner benefits to its member base of regional lojistas.

Ownership category

akta.pro rank

Headquarters

HQ city

Chapecó

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: Association fees collected from retail business owners (lojistas) who become associated members to access services, benefits, and the SPC system.
2. Services Revenue: Fees for services including SPC consultations, digital certificates, CDL Phone plans, event space rentals, electronic invoice storage, and business training courses.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

CDL Chapecó is a civil retail trade association that provides member retail businesses with SPC Brasil credit information queries and registrations, electronic invoice storage (CDL NFE), mobile telephony plans (CDL Phone), digital certificate issuance, retail business education through the Escola de Negócios do Varejo, benefit card programs (Personal Card), and event space rentals. Services are delivered to members who pay recurring association fees, with additional member conveniados covering health plans, banking credit lines, and education discounts.

Product overview

CDL Chapecó (Câmara de Dirigentes Lojistas de Chapecó) is a retail trade association serving as a chamber of commerce for the Chapecó region in Santa Catarina, Brazil. The organization provides a portfolio of core services including SPC credit information queries, electronic invoice management (CDL NFE), mobile telephony plans (CDL Phone), digital certification, retail business education, benefit card programs, and event space rentals. These services are complemented by partnership programs including health insurance (Uno+ Saúde), banking services (Sicredi), sports partnerships (Chapecoense), and educational discounts. CDL Chapecó also runs promotional campaigns like Semana Total Chapecó and youth/women's entrepreneurship programs. The organization functions as a business association rather than a technology product company.

Differentiator

Problem solved

Functional benefit

Products and services

• CDL Phone (Mobile Telephony Plans) Mobile telephony plans offering bill savings exclusively for CDL member retail businesses.
• Consultas e Registro do SPC (SPC Credit Information Queries and Registrations) Credit information queries and registration services through SPC Brasil, the largest database in Latin America, enabling retailers to check consumer credit history and register defaults across Brazil.
• CDL NFE (Electronic Invoice Storage) Electronic invoice storage and management system for storing XML files of issued and received electronic invoices (NF-e), provided to member retail businesses.
• Certificação Digital (Digital Certification) Digital certificate issuance services for E-CPF (individual) and E-CNPJ (business) electronic identification, offered to members.
• Escola de Negócios do Varejo (Retail Business School) Retail business school offering courses, seminars, workshops, lectures and events for professional development of retail owners and their teams.
• Personal Card (Benefit Card Programs) Benefit card services including meal cards, food cards, fleet cards, and multi-benefit card programs for member businesses and their employees.
• Locação de Espaços CDL (Event Space Rental) Event space rental services including auditorium and meeting room facilities at the CESEC headquarters for member and community use.

Quantifiable outcome

• Regional economic impact through Semana Total promotional campaigns with prizes including 5 TVs of 50 inches and R$500 gift vouchers to participating consumers
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• SPC BrasilcoreTechnology or IntegrationSPC Brasil is Brazil's largest credit database in Latin America. CDL Chapecó has been integrated with the National SPC system since May 2001, enabling members to consult credit information and register defaulted consumers across Brazil.
• Uno+ SaúdeminorOthersHealth plan partnership offering special conditions for CDL members with access to psychological services, nutrition, physiotherapy, pilates, clinical dentistry, and veterinary services at partner clinics.
• UNOESC (Universidade do Oeste de Santa Catarina)minorOthers10% discount on postgraduate (lato sensu) tuition and extension programs for CDL members.
• UNOCHAPECÓminorOthers10% discount on distance learning (EAD) tuition for CDL members.
• UCEFFminorOthersEducation discounts ranging from 10-15% on EAD, postgraduate, and undergraduate programs for CDL members.
• Yazigi ChapecóminorOthers15-20% discount on language courses for CDL members and dependents.
• CCAA ChapecóminorOthers25% discount on English and Spanish courses for CDL members and dependents.
• Associação Chapecoense de FutebolminorStrategic or Co-development PartnerPartnership with local football club providing benefits for CDL members who wish to support Chapecoense.

Scale indicators2 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• CDL Florianópolis: Local CDL chamber serving retail business owners in Florianópolis, another Santa Catarina city. Operates with the same SPC Brasil integration, membership model, and service portfolio (credit, digital certificates, NFE), making it the closest direct comparable chamber within the same state.
• CDL Joinville: Câmara de Dirigentes Lojistas of Joinville, a larger Santa Catarina industrial city. Comparable in structure (civil association, SPC integration, member services, partnerships) and member base (lojistas), differing only in scale and regional economic mix.
• CDL Blumenau: CDL chamber in Blumenau, Santa Catarina, providing the same retail association model including SPC credit access, training, partnerships, and member events. Directly comparable in mission, GTM motion, and service mix.
• CDL Curitiba: Major CDL chamber in Curitiba, Paraná. While geographically distinct, it operates the identical trade association model targeting retail SMEs with SPC integration and member services, making it a strong comparable for benchmarking service portfolio and scale.
• CDL Porto Alegre: CDL chamber in Porto Alegre, Rio Grande do Sul. Operates with the same retail trade association structure, SPC Brasil integration, and member services portfolio across a similarly sized southern Brazilian city.

Broad incumbents

• FCDL/SC: Federação das Câmaras de Dirigentes Lojistas de Santa Catarina, the state-level federation that CDL Chapecó operates under. Provides representation, training programs, and coordination across all CDLs in the state, including Chapecó.
• Associação Comercial de São Paulo: Brazil's largest commercial association, providing credit reporting (SCPC/Boa Vista), member services, and trade representation. Functions as a broader incumbent in the same association/credit-bureau value chain that CDL Chapecó participates in.
• CNC (Confederação Nacional do Comércio): National confederation representing the Brazilian commerce sector, including retail CDLs at the federal level. Sets policy, training standards (Sesc/Senac), and coordination frameworks that flow down to local CDLs like Chapecó.

Emerging players

• ACIJ (Associação Comercial e Industrial de Joinville): Adjacent commercial and industrial association serving Joinville's business community. While not exclusively retail-focused like CDL, it competes for SME members and offers comparable networking, training, and partner benefit services in the Santa Catarina region.

Others

• Boa Vista SCPC: Major Brazilian credit bureau and parent of the SCPC consumer credit database. Functions as ecosystem participant rather than direct competitor: SPC Brasil and Boa Vista SCPC are the two major credit data providers that CDLs integrate with to deliver credit consultation services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cdlchapeco
• Instagraminstagram.com/cdlchapeco

Revenue estimate

Valuation estimate

Number of profiles

Profiles33 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 CDL Chapecó