CDL ITAMARAJU

What CDL ITAMARAJU does

CDL ITAMARAJU is a local chamber of commerce (Câmara dos Dirigentes Lojistas de Itamaraju) operating in Itamaraju, Bahia, Brazil, and serving as the regional affiliate of the national Sistema CNDL (Confederação Nacional de Dirigentes Lojistas). The organization represents approximately 145 member businesses across retail, services, agriculture, automotive, food, healthcare, and professional services sectors, providing them with access to SPC Brasil credit-protection services (SPC MONITORA 2.0, SPC AVISA, SPC SCORE PLUS, SPC LOCALIZA, Cadastro Positivo), digital certificates (e-CNPJ and e-CPF), collective labor negotiation representation via SINDCOMÉRCIO, a local business directory (Guia Itamaraju), training programs, and a network of partner discounts across health, education, and professional services.

The underlying technology is essentially reseller-distributed rather than proprietary: SPC credit and identity products are delivered through the national SPC Brasil platform (loja.spcbrasil.org.br), digital certificates are issued through SPC's certification infrastructure, and the chamber's own digital footprint is a WordPress-based website plus WhatsApp Business for member service. The chamber's core technology layer is therefore its relationship to the CNDL/SPC national infrastructure and its local partnership ecosystem of 15+ providers, not an internally developed platform.

The business model is a non-profit association structure with four revenue streams: recurring annual membership fees from associated businesses, transaction-based fees on SPC Brasil services sold through the local office, affiliate/referral commissions from partner providers (health, education, media, occupational health), and professional services revenue from event organization and training programs (Acelera Gestão circuit, seasonal campaigns such as Dia dos Pais and Natal). The go-to-market is community-led and event-driven, anchored at the physical headquarters at Rua 05 de Outubro nº 207 with a five-employee operational team, supplemented by participation in national events such as the OmniVarejo conference.

Name

CDL ITAMARAJU

Legal name

Câmara dos Dirigentes Lojistas de Itamaraju

Website

https://cdlitamaraju.org.br

Company type

Private

Operating status

Operating

Short description

CDL ITAMARAJU is a local chamber of commerce in Itamaraju, Bahia, Brazil, affiliated with the national Sistema CNDL, serving approximately 145 SMB member businesses with SPC Brasil credit-protection services, digital certificates, collective bargaining representation, training programs, and a partner discount network.

Ownership category

akta.pro rank

Product category

Trade Association Services

NAICS

Business Associations (813910)

SIC

Services-Membership Organizations (8600)

akta.pro primary industry

Onboarding, KYC & Account Verification Support (BPAAABAG)

akta.pro secondary industry

Customer Verification & KYC Outreach (Non-regulated outreach) (BPAAADAM)

Keywords

• Credit monitoring services
• Trade association membership
• Digital certification services
• Credit score analysis
• Retail chamber services

Headquarters

HQ city

Itamaraju

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Membership Fees: Annual membership fees from associated businesses (145 member businesses listed across various categories including retail, services, agriculture, and professional services).
2. SPC Services: Revenue from SPC Brasil credit protection services offered to members including SPC Monitora, SPC Score Plus, SPC Avisa, SPC Localiza, digital certificates, and document alerts.
3. Partnership Programs: Partnership arrangements with local service providers offering exclusive discounts to members (health insurance, occupational health services, educational courses, digital certification).
4. Event Revenue: Revenue from event organization including seasonal campaigns (Natal, Dia dos Pais), management training programs, and agricultural events.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

CDL ITAMARAJU is a local non-profit trade association (Câmara dos Dirigentes Lojistas) that delivers SPC Brasil credit protection and identity verification services, digital certification products, business training programs, and partner discount programs to its 145 member retail businesses and entrepreneurs in Itamaraju, Bahia. As the local affiliate of the national Sistema CNDL, it serves as a service distribution and member advocacy hub rather than a product manufacturer, distributing SPC-branded credit monitoring, scoring, document alert, and digital certificate offerings to small and medium retail businesses and individual consumers.

Product overview

CDL ITAMARAJU operates as a local Chamber of Retail Business Owners affiliated with the Sistema CNDL and SPC Brasil, offering a portfolio of credit protection, identity verification, and business intelligence services primarily for retail businesses and consumers in Itamaraju, Bahia. The product portfolio centers on SPC Brasil-branded services including SPC MONITORA 2.0 for continuous credit monitoring, SPC AVISA for document fraud prevention, SPC SCORE PLUS for statistical credit scoring, SPC LOCALIZA for business and individual location, and digital certificate products (e-CPF and e-CNPJ). These core products are complemented by the CADASTRO POSITIVO positive credit database and various business support services including training programs, partnership discounts, and local business directory tools. The services are delivered through the SPC Brasil platform infrastructure and integrated into the broader CNDL national retail representation system.

Differentiator

Problem solved

Functional benefit

Products and services

• SPC MONITORA 2.0 Continuous monitoring service that tracks the credit behavior and activity of clients (individuals and businesses), helping retail businesses identify credit risks and opportunities through daily information updates via the SPC Brasil platform.
• SPC AVISA 24-hour CPF monitoring service that alerts users via email or SMS whenever any changes or consultations are made to their document in the SPC database, helping prevent identity fraud for individual consumers and businesses.
• SPC SCORE PLUS Statistical scoring product that indicates the probability of a consumer becoming delinquent within twelve months, based on SPC and Serasa data, helping financial institutions and retailers make credit decisions.
• SPC LOCALIZA PF E PJ Business and individual location service providing comprehensive reports with registration information, historical data, addresses, phone numbers, corporate control, and market relationship indices for individuals and companies.
• CONFIRME PF OU PJ Registration data verification service that confirms and validates consumer or business information in real-time, providing updated registration reports and document history for due diligence.
• CERTIFICADO DIGITAL e-CNPJ Digital certificate for business legal identity, enabling secure online transactions, electronic document signing with legal validity, and access to Federal Revenue services, available in A1, A3 token, A3 card, and card+reader variants.
• CERTIFICADO DIGITAL e-CPF Digital certificate for individual identity verification, enabling electronic document signing with legal validity and secure access to online services, with A1, A3 token, and A3 card variants.
• CADASTRO POSITIVO Positive credit database containing information on credit operations and payment obligations (completed or ongoing) for individuals and businesses, enabling better credit terms and interest rates for consumers.
• SPC ALERTA DE DOCUMENTOS Document alert service for cases of loss, theft, or misplacement of personal documents and checks, registering alerts in the SPC database to prevent fraud.
• LOCALIZE EMPRESAS Business finder service providing access to company information including addresses, phone numbers, corporate participation, and shareholder control.
• Cartão Ativo / Programa de Convênios CDL Partner discount card program offering exclusive benefits and discounts to CDL members at partner businesses including health plans (Unimed), educational institutions (Microlins, Anhanguera, FASB), occupational health providers (Dr. Marcelo Guimarães, Dr. Weller Henriques), and laboratory services (Santa Amélia), with discounts ranging from 5% to 40%.
• Associação CDL ITAMARAJU (Membership) Annual membership subscription for retail shop owners and local businesses in Itamaraju, granting access to SPC services, partner discounts, collective labor negotiation representation through SINDCOMÉRCIO, training programs (Acelera Gestão), the Guia Itamaraju business directory, and advocacy through the national Sistema CNDL network.
• Acelera Gestão para Empreendedores Business management training program for local Itamaraju entrepreneurs covering Financial Management, Marketing and Sales, and People Management, delivered through the Circuito Acelera Gestão training circuit.

Named customers10 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered minor and core.

• SEBRAEminorStrategic or Co-development Partner · 29 July 2026SEBRAE (Serviço Brasileiro de Apoio às Micro e Pequenas Empresas) partners on agricultural entrepreneurship events and management training programs for local businesses.
• SENARminorStrategic or Co-development Partner · 29 July 2026SENAR (Serviço Nacional de Aprendizagem Rural) provides agricultural training. Partnered on coffee cultivation events for local farmers at SENAR Training Center.
• SKALA MODASminorGTM or Marketing Partner · 9 September 2024SKALA MODAS retail store offers 15% discounts on cash purchases, debit card, and credit card (up to 6 installments) for CDL members.
• UP LEDminorGTM or Marketing Partner · 25 March 2024UP LED provides LED electronic panel rental services for local advertising. CDL members receive 20% discount on panel rental located at Praça Castelo Branco.
• SIGMA ASSESSORIAminorGTM or Marketing Partner · 25 March 2024SIGMA ASSESSORIA provides social media management services. CDL members receive 20% discount on social media management and other services.
• Dr. Marcelo Guimarães (Occupational Health)minorOthers · 18 October 2023Dr. Marcelo Guimarães provides occupational health services including health programs, workplace safety, and e-Social transmission. 20% discount for CDL member businesses with risk degree '1'. Cost is 1 minimum wage per year.
• Dr. Weller Henriques (Occupational Health)minorOthers · 18 October 2023Dr. Weller Henriques provides Occupational Health Certificate (ASO) issuance at ITACLÍNICA. 8% discount on procedures for CDL and SINDCOMÉRCIO member employees.
• Microlins ItamarajuminorGTM or Marketing Partner · 12 August 2020Microlins provides IT and professional training courses at local unit. Variable discounts on courses for CDL members.
• Unimed Extremo SulminorGTM or Marketing Partner · 19 December 2019Unimed Extremo Sul provides health insurance plans. CDL members receive discounts on business health insurance monthly payments.
• SPC BrasilcoreTechnology or Integration · 19 September 2019SPC Brasil is the credit protection service platform of Sistema CNDL, providing credit monitoring, score analysis, document alerts, and digital certification services through CDLs nationwide.
• SINDCOMÉRCIOcoreStrategic or Co-development Partner · 19 September 2019SINDCOMÉRCIO (Sindicato do Comércio) handles collective labor negotiations for commerce sector, managing CCT (Convenção Coletiva de Trabalho) agreements between CDL members and employee unions.
• Anhanguera/Grupo PitágorasminorGTM or Marketing Partner · 19 September 2019Anhanguera educational institution provides undergraduate and graduate programs with tuition discounts for CDL members.
• FASB - Faculdade do Sul da BahiaminorGTM or Marketing Partner · 19 September 2019FASB provides undergraduate and graduate education with 20% discount on regular payments and 40% discount on payroll deduction payments for CDL member employees.
• CIEE (Centro de Integração Empresa-Escola)minorGTM or Marketing Partner · 19 September 2019CIEE provides internship placement services. 30% discount on institutional contribution for each student placed at CDL member businesses.
• Santa Amélia LaboratóriominorGTM or Marketing Partner · 19 September 2019Laboratory services providing discounts on private table exams for CDL member cardholders, dependents, and spouses/children.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SPC Brasil: SPC Brasil is the credit-protection platform of Sistema CNDL that provides the core products (MONITORA, AVISA, SCORE PLUS, LOCALIZA, digital certificates) distributed by CDL ITAMARAJU. It is the upstream platform on which the local association's service revenue depends.
• Confederação Nacional dos Dirigentes Lojistas (CNDL): CNDL is the national parent confederation of CDL ITAMARAJU and represents 500,000+ businesses. As the apex body of the Sistema CNDL, it is directly comparable as a higher-tier trade association governing the same retail membership model.
• CDL Salvador: CDL Salvador is a larger sister CDL in the same state (Bahia) operating the same chamber-of-commerce and SPC Brasil distribution model. Directly comparable as a fellow Sistema CNDL chapter serving SMB retailers.
• CDL São Paulo: CDL São Paulo is the largest local CDL in the Sistema CNDL network, offering the same trade association and SPC Brasil services at scale in Brazil's biggest retail market. Directly comparable in operating model, differing primarily in market size.
• Associação Comercial de São Paulo (ACSP): ACSP is one of Brazil's oldest and largest commercial associations, providing business support, credit information, and certification services to São Paulo retailers. Directly comparable as a legacy trade association offering member services analogous to CDL ITAMARAJU.
• Associação Comercial do Rio de Janeiro (ACRJ): ACRJ is a Rio de Janeiro–based commercial association serving retail and SMB members with similar trade representation and member benefit programs. Comparable in structural role and member service orientation to CDL ITAMARAJU.
• Boa Vista SCPC: Boa Vista SCPC is one of Brazil's main credit bureaus and a direct competitor to SPC Brasil in consumer credit information, scoring, and monitoring services. Comparable as the alternative platform SMBs might use instead of CDL ITAMARAJU's SPC offerings.
• Serasa Experian: Serasa is Brazil's largest credit bureau offering consumer and business credit reports, scoring, and identity verification. Directly comparable to SPC Brasil products (SPC SCORE PLUS, SPC LOCALIZA) that CDL ITAMARAJU distributes.

Others

• SEBRAE: SEBRAE is Brazil's primary federal micro and small business support agency, partnering with CDL ITAMARAJU on training programs (Acelera Gestão, agricultural entrepreneurship). Comparable as a parallel SMB-services provider, though publicly funded rather than member-funded.

Regional players

• CDL Feira de Santana: CDL Feira de Santana is another Bahia-state chapter of Sistema CNDL serving retailers in a different municipality. Comparable as a peer local chamber with the same operating model, differing only in geographic scope within the same Brazilian state.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 ITAMARAJU