CDL São Paulo

Name

CDL São Paulo

Legal name

CÂMARA DE DIRIGENTES LOJISTAS DA REGIÃO METROPOLITANA DE SÃO PAULO

Website

https://cdlsp.com.br

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Credit Intelligence Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit analysis services
• Fraud prevention solutions
• Debt recovery services
• Digital signature services
• Credit registry data

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Analysis Services: CDL São Paulo provides credit analysis services for both individuals (PF) and legal entities (PJ). These services allow businesses to consult credit restrictions, scores, protests, judicial actions, and presumed billing before granting credit. The services are subscription-based for associated members who pay for access to the SPC Brasil database and consulting services.
2. Collection and Debt Recovery: Services to help businesses reduce default rates and recover outstanding debts. Includes integrated solutions such as negativation, personalized notifications, and score-based recovery. Companies can recover up to 85% of debts within 30 days using these solutions.
3. Digital Certificate and Electronic Signature: Sale of digital certificates and electronic signature services through iSign partnerships, providing legal validity for document signing and online transactions.
4. Positive Cadastre (Cadastro Positivo): Enables businesses to access consumer payment histories for fairer credit analysis, considering on-time payments and financial behavior.
5. Fraud Prevention Solutions (Antifraude): Intelligent fraud prevention solutions that help companies protect operations from first customer contact, including identity validation and suspicious CPF alerts.
6. Energy Solutions Partnership: Partnership with Lavita Energia offering solar energy subscription services to associated members, generating referral revenue through the partnership.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

CDL São Paulo is the official provider of SPC Brasil credit intelligence services in São Paulo state. It offers credit analysis for individuals (CPF) and businesses (CNPJ), debt collection and recovery with intelligent scoring, fraud prevention (identity validation and suspicious document alerts), positive credit registry, digital certificates, electronic signatures, and document management — delivered to retailers, merchants, and service businesses primarily through membership-based subscriptions.

Product overview

CDL São Paulo operates as an integrated solutions hub, serving as official providers of SPC Brasil services in São Paulo state. The portfolio centers on credit intelligence and debt management through core products: Credit Analysis for individuals (CPF) and businesses (CNPJ), debt Collection and Recovery with intelligent scoring, Positive Credit Registry, and Fraud Prevention. These are complemented by digital services including Digital Signature, Digital Certificates, and Document Management via iSign partnership. The collection suite includes specialized modules like SPC Priorize, SPC Recupere, Campaign Letters, Default Registration, and Sales Insights for intelligent debt recovery. SPC Brasil processes over 50 million monthly queries with a database of 234 million individuals and 62 million businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Análise de Crédito Pessoa Física (CPF Credit Analysis) Credit analysis service for individuals that provides access to consumer financial history including defaults, credit scores, and financial restrictions to support secure credit decisions by retailers and businesses.
• Análise de Crédito Pessoa Jurídica (CNPJ Credit Analysis) Business credit analysis service that evaluates company financial health through protests, lawsuits, presumed revenue, and business scores to mitigate B2B risks before entering commercial relationships.
• Cobrança e Recuperação (Debt Collection and Recovery) Comprehensive debt collection and recovery solution including intelligent scoring, negative registration, personalized communications, and multi-channel notification (SMS, email, letter) to help businesses reduce default rates and recover up to 85% of debts within 30 days.
• Cadastro Positivo (Positive Credit Registry) Credit registry that enables fairer credit analysis by considering timely payments and financial behavior, stored in comprehensive payment history accessible to retailers and financial institutions.
• Antifraude SPC (SPC Fraud Prevention) Intelligent fraud prevention suite including Identity Alert, Cadastral Similarity Score, and Suspicious CPF Alert to protect business operations from first customer contact through real-time identity validation.
• Certificado Digital (Digital Certificate) Digital certificate service for authentication and security in online transactions, document signing, and government service access, offered through the iSign partnership store.
• Assinatura Digital (Digital Signature) Electronic and digital signature service with legal validity enabling secure contract signing, process acceleration, and paper elimination, offered through the iSign platform.
• Gestão de Documentos (Document Management) Document organization and management solution enabling easy file retrieval and preventing missed deadlines and business opportunities, offered through the iSign platform.
• Educação Corporativa (Corporate Education) Flexible education and training programs tailored to business needs and employee development requirements, offered through the Woli platform.
• Lavita Energia Solar Subscription Solar energy subscription service offered through the Lavita Energia partnership, enabling associated businesses to reduce electricity costs by up to 20% without requiring investment in solar panels.

Quantifiable outcome

• Businesses can recover up to 85% of debts within 30 days using collection solutions
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature9 records

Partnerships

Two partnerships are on record, tiered flagship and core.

• Lavita EnergiaflagshipStrategic or Co-development Partner · 23 June 2025Strategic partnership offering solar energy subscription services (Geração Distribuída - GD) to CDL São Paulo associated members. The partnership enables businesses to reduce energy costs by up to 20% through renewable energy without requiring investment in solar panels. Services are offered digitally without installation complexity, providing sustainable energy solutions for São Paulo commerce.
• SPC BrasilcoreTechnology or IntegrationCDL São Paulo operates as an official provider of SPC Brasil services in São Paulo state. SPC Brasil provides access to the largest credit database in Latin America with 234 million individual records and 62 million legal entity records. SPC Brasil performs over 50 million consultations monthly and maintains 1 million active users. The partnership enables CDL São Paulo to offer credit analysis, fraud prevention, and collection services to associated businesses.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Magnetis: Brazilian digital wealth manager using alternative data and credit-like scoring for client onboarding/risk decisions. Represents a tangential fintech peer that leverages alternative data signals similar in spirit to CDL SP's behavioral and cadastral scoring innovations.
• Quod: Brazilian digital credit bureau founded by major banks (Bradesco, Santander, Itaú, etc.) providing open finance-based credit scores and data. Comparable in product (credit scoring, reporting) but differentiated by data source — represents the fintech-era competitive threat to traditional bureaus like CDL SP.

Direct peers

• Serasa Experian: Brazil's largest consumer credit bureau, offering CPF/CNPJ credit reports, scores, fraud prevention and collection services. Most directly comparable to CDL São Paulo across the entire credit intelligence stack, though with national scale and parent backing from Experian.
• ClearSale: Brazilian anti-fraud and chargeback prevention company serving e-commerce merchants with identity validation and behavioral analysis. Overlaps directly with CDL São Paulo's Antifraude SPC product (Identity Alert, Similarity Score, Suspect CPF Alert) for the same B2C fraud use case.
• Serasa Limpa Nome: Serasa's consumer-facing debt negotiation and credit rehabilitation service. Comparable to CDL SP's cobrança and negative-registration recovery products from the debtor side — competes for the same end customers' debt resolution journey.
• Boa Vista SCPC: Major Brazilian credit bureau historically affiliated with the SCPC system; provides consumer and business credit reports, scores, fraud prevention and collection. Closest national competitor to CDL São Paulo / SPC Brasil with overlapping product set and SMB retail customer base.

Broad incumbents

• SPC Brasil: National credit bureau and database operator under CNDL; CDL São Paulo operates as an official provider of SPC Brasil services. SPC Brasil is the upstream platform whose 234M-record database powers CDL SP's offerings, making it both a partner and the broader incumbent benchmark.
• CNDL: Confederação Nacional de Dirigentes Lojistas — the national confederation of which CDL São Paulo is a member. Comparable as a retailer association platform with credit and services extensions; also CDL SP's parent/structural sponsor.

Others

• iSign: Brazilian digital signature and document management platform that partners with CDL São Paulo to deliver Assinatura Digital, Certificado Digital and Gestão de Documentos. Adjacent enabler — same end customers, complementary product layer rather than a competing credit bureau.

Regional players

• BVS (Bureau de Crédito e Cobrança): Brazilian regional credit bureau and collection services provider. Comparable in credit reporting and debt recovery offerings, typically scoped to specific states/regions versus CDL SP's São Paulo focus, illustrating the geographic fragmentation of the Brazilian credit bureau market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cdlsaopaulo
• LinkedInlinkedin.com/company/cdlsp
• Instagraminstagram.com/cdlsaopaulo

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 São Paulo