CDL-Chamber of Store Managers Montes Claros

What CDL-Chamber of Store Managers Montes Claros does

CDL - Câmara de Dirigentes Lojistas de Montes Claros is a non-profit civil association (associação civil sem fins lucrativos) founded on May 28, 1969, and headquartered at Av. Sidney Chaves 447 in Montes Claros, Minas Gerais, Brazil. Recognized as a public utility entity by Municipal Law No. 219 of May 5, 1976, the organization operates as a regional chamber of commerce affiliated with CNDL (Confederação Nacional de Dirigentes Lojistas), serving SMB retail merchants in the Montes Claros and northern Minas Gerais region. Its primary customer segment is independent retail store owners and managers, supplemented by a dedicated youth entrepreneur program (CDL Jovem, reactivated September 2023) targeting business leaders aged 18-35.

The association delivers a multi-product service portfolio under several sub-brands: SPC Brasil credit bureau access for customer credit checks, the Cartão de Compras CDL shopping card program (with 50+ affiliated merchants), digital certificate issuance (Certificado Digital), guaranteed check services (Cheque Garantido), the Vitrine Empresarial e-commerce platform for member online stores, health insurance plans (CDL Saúde) via partner agreements, energy discounts (CDL Energia) through CEMIG, BDMG financing access, free legal advisory, email bank services, and internship placement (CDL Estágios) through Perfil de Talentos. Digital infrastructure is built around member self-service portals for shopping card balance inquiries, authorizations, borderô processing, and SPC consultations.

Revenue mechanics combine recurring membership fees, per-transaction SPC query fees, shopping card interchange/transaction fees, and one-time digital certificate sales. Distribution is direct via the physical headquarters (a 1,470 m2 three-story building occupied since August 1998) and self-serve online channels, complemented by social media presence (Facebook, Instagram, YouTube, Twitter/X, WhatsApp) and offline events such as Palestra Criatividade e Ousadia para Vender Mais and Dia Livre de Impostos. The organization operates with 6 employees and a single regional office, with no disclosed revenue, funding events, or M&A activity.

Name

CDL-Chamber of Store Managers Montes Claros

Legal name

CDL - Câmara de Dirigentes Lojistas de Montes Claros

Website

https://cdlmoc.com.br

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

1–10 employees

Short description

CDL-Chamber of Store Managers Montes Claros is a non-profit regional chamber of commerce in Montes Claros, Brazil, serving SMB retail merchants with credit bureau access, a shopping card network, digital certificates, financing referrals, and member benefits since 1969.

Ownership category

akta.pro rank

Headquarters

HQ city

Montes Claros

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. Membership Fees: CDL generates revenue through annual membership fees paid by affiliated retail businesses and commercial establishments.
2. SPC Credit Bureau Services: Access fees for credit bureau queries through SPC Brasil system, used by member businesses for customer credit checks.
3. Shopping Card Operations: Transaction processing fees from the CDL shopping card program used at affiliated retail stores.
4. Digital Certificate Sales: Revenue from issuing digital certificates for secure electronic transactions and business authentication.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

CDL Montes Claros is a non-profit civil association (associação civil sem fins lucrativos) founded in 1969 that serves as a chamber of commerce for retail store owners and managers in the Montes Claros region of Minas Gerais, Brazil. It operates as a membership organization delivering a portfolio of business support services including access to the SPC Brazil credit bureau, a private-label shopping card (Cartão CDL), digital certificates, legal advisory, health insurance plans, business financing referrals, energy discount programs, and a member e-commerce storefront (Vitrine Empresarial).

Product overview

CDL Montes Claros operates as a chamber of store managers offering a comprehensive suite of member services including a shopping card system (Cartão de Compras CDL), credit bureau access (SPC Brasil), digital certificates, and various business support programs. The organization provides online store platform services (Vitrine Empresarial), energy discounts (CDL Energia), health insurance benefits (CDL Saúde), financing options (BDMG), legal assistance, and internship placement services. The portfolio includes specialized programs for youth entrepreneurship (CDL Jovem) and corporate members (CDL Corporativo), supported by email services and guaranteed check processing.

Differentiator

Problem solved

Functional benefit

Brands

• CDL Jovem: Autonomous and interdependent youth division of CDL for young store managers, reactivated on September 5, 2023.
• CDL Saúde
• CDL Energia
• CDL Corporativo
• CDL Estágios
• Vitrine Empresarial

Products and services

• SPC Brazil Credit Bureau Access Access to the SPC Brasil credit bureau database, enabling member retailers to query consumer credit history and make informed credit-selling decisions at the point of sale.
• Cartão CDL (CDL Shopping Card) Private-label shopping card program that enables consumers to purchase goods at affiliated member retail stores, providing retailers with a payment instrument and customer loyalty mechanism.
• Digital Certificates (Certificados Digitais) Issuance and renewal of digital certificates (e-CPF/e-CNPJ) used by member businesses for electronic invoicing (NF-e), tax compliance, and legally valid digital signatures.
• Legal Advisory (Assessoria Jurídica) Legal advisory service for member retailers covering labor law, consumer relations, commercial contracts, and other matters relevant to retail operations.
• Health Insurance Plans (Convênios de Saúde) Negotiated group health insurance plans offered to member businesses and their employees at preferential association rates.
• Business Financing (Financiamentos) Financing facilitation service that connects member retailers with partner financial institutions offering working capital, investment, and trade credit lines.
• Energy Discount Program (Descontos em Energia) Aggregated electricity purchasing program that negotiates reduced energy tariffs for member retailers through the Brazilian energy free market or bulk-buying arrangements.
• Vitrine Empresarial Online storefront and member-directory service that lists member retailers and their products, enabling consumer discovery and digital visibility for local commerce.
• CDL Jovem Program Youth leadership and development program that engages younger member business owners and managers in training, networking, and association governance activities.
• Internship Services (Estágios) Internship intermediation service that connects member retailers with student candidates from local educational institutions for trainee placements.
• Corporate Email Services (E-mails Corporativos) Corporate email hosting service provided to member retailers as a member benefit, supporting their day-to-day communications.

Named customers5 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• SPC BrasilcoreTechnology or IntegrationSPC Brasil provides the credit bureau system integrated into CDL services, enabling member businesses to conduct credit checks on customers and manage credit risk through the SPC system portal.
• Perfil de TalentoscoreImplementation/ SI/ Consulting PartnerPerfil de Talentos is a Human Resources and Organizational Development company that manages internship, training, and development programs for CDL members, helping businesses find qualified talent.
• BDMGcoreStrategic or Co-development PartnerBDMG (Banco de Desenvolvimento de Minas Gerais) provides financing solutions offered through CDL to member businesses, supporting local economic development with favorable credit terms.
• CEMIGminorStrategic or Co-development PartnerCEMIG (Companhia Energética de Minas Gerais) partners with CDL to offer energy discounts to member businesses through the CDL Energia program.
• CNDL (Confederação Nacional de Dirigentes Lojistas)coreStrategic or Co-development PartnerCNDL is the national confederation that CDL Montes Claros is affiliated with, providing access to national retail chamber resources, SPC system, and collective representation at federal level.

Scale indicators3 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• CDL São Paulo: Largest CDL chapter in Brazil, operating the identical retail chamber model in São Paulo: SPC queries, shopping card, member services, and collective representation under CNDL affiliation. Directly comparable business model, customer base, and service portfolio, though at materially larger scale than CDL Montes Claros.
• CDL Curitiba: CDL chapter in Curitiba, Paraná, operating the same chamber of store managers service portfolio including SPC queries, shopping card, digital certificates, and member benefits. Comparable business model and member profile, with geographic distinction in southern Brazil.
• CDL Rio de Janeiro: Major CDL chapter in Rio de Janeiro, operating the same chamber of store managers model with SPC credit bureau, shopping card, and SMB retail member services. Comparable in structure and offerings, materially larger in scale than CDL Montes Claros.
• CDL Salvador: CDL chapter serving Salvador, Bahia, with the same Chamber of Store Managers structure offering SPC services, shopping card, member benefits, and collective retail representation. Directly comparable model, customer base, and service mix, serving the Northeast region.
• CDL Porto Alegre: CDL chapter serving Porto Alegre in Rio Grande do Sul, providing SPC credit bureau, shopping card, member benefits, and collective retail representation under the same CNDL umbrella. Directly comparable trade association model with regional SMB retail member base, but operates in a different Brazilian region.
• CDL Florianópolis: CDL chapter in Florianópolis, Santa Catarina, providing the same retail chamber services under the CNDL network, including credit bureau access, shopping card, and member benefits. Comparable trade association serving regional SMB retailers in southern Brazil.
• CDL Belo Horizonte: CDL chapter serving Belo Horizonte, Minas Gerais, operating the same Chamber of Store Managers model: SPC credit bureau access, CDL shopping card, digital certificates, legal advisory, and member benefits. Highly comparable due to shared state (Minas Gerais) geography, common affiliation to CNDL, and similar SMB retail member base.

Broad incumbents

• CNDL (Confederação Nacional de Dirigentes Lojistas): National confederation that CDL Montes Claros is directly affiliated with, providing national-level retail representation, SPC system infrastructure, and shared resources. Comparable as the apex body of the same trade association network, but operating at a national rather than municipal scope and serving member CDL chapters rather than retail SMBs directly.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CDLMoc
• YouTubeyoutube.com/@cdlmontesclarosoficial
• Facebookfacebook.com/cdl.montesclaros
• Instagraminstagram.com/cdlmontesclaros
• LinkedInlinkedin.com/company/cdl-chamber-of-store-managers-montes-claros

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 CDL-Chamber of Store Managers Montes Claros