Exata Grupo
Exata Grupo is a Brazilian financial services intermediary operating since 1995, offering banking correspondent credit (notably Auxílio Brasil loans), SUSEP-licensed insurance brokerage, digital banking, loyalty programs, and actuarial consulting across consumer, corporate, and union member segments.
- Company typePrivate
- Founded1995
- HeadquartersFortaleza, Brazil
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Exata Grupo does
Exata Grupo is a privately held Brazilian diversified financial services company operating under the legal entity EXATA CONTACT CENTER, ASSESSORIA E CONSULTORIA LTDA (CNPJ 44.615.242/0001-65), founded in 1995 and headquartered in Fortaleza, Ceará, with a secondary relationship office in Brasília. The group operates across six core service lines: (i) banking correspondent services (CORBAN) intermediating payroll-deductible credit — most prominently a loan product for Auxílio Brasil beneficiaries of up to R$2,150 over 24 installments; (ii) SUSEP-licensed insurance brokerage specializing in individual and collective life insurance; (iii) counseling (Aconselhamento) delivered by a multi-disciplinary team; (iv) actuarial and financial planning services delivered in partnership with associated company ARIMA; (v) Exata Digital, a fee-free digital account with a pay-for-products model; and (vi) Exata Fidelidade, a loyalty card program offering a merchant discount network, telemedicine, and counseling.
The underlying technology is conventional digital banking and correspondent banking infrastructure, with WhatsApp as the primary origination channel, a self-serve online platform for account opening, and a dedicated microsite for loan simulation. The company is certified as a banking correspondent under Banco Central do Brasil Resolution 3.954/2011, meaning it does not extend credit directly but earns commissions from partner financial institutions whose underwriting policies it routes applications through. Marketing and distribution rely on a corporate website, Facebook and Instagram organic presence, WhatsApp direct contact, and the loyalty card merchant network.
Exata's revenue model is almost entirely transaction-based: commissions on originated credit (correspondent banking), commissions on placed insurance, fees from actuarial and financial planning consulting, and indirect revenue through merchant network participation in the loyalty program. The company serves four customer segments — government benefit recipients (primary), individual consumers, corporate clients (B2B insurance and actuarial), and union/association members — with the underbanked Auxílio Brasil population representing the most visible and likely largest revenue contributor.
Exata Grupo firmographics
Firmographics- Name
- Exata Grupo
- Legal name
- EXATA CONTACT CENTER, ASSESSORIA E CONSULTORIA LTDA
- Website
- https://exatagrupo.com.br
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Exata Grupo is a Brazilian financial services intermediary operating since 1995, offering banking correspondent credit (notably Auxílio Brasil loans), SUSEP-licensed insurance brokerage, digital banking, loyalty programs, and actuarial consulting across consumer, corporate, and union member segments.
- Ownership category
- akta.pro rank
Exata Grupo industry classification
Industry- Product category
- Financial Services
- NAICS
- Insurance Agencies and Brokerages (524210), Finance and Insurance (52), Portfolio Management and Investment Advice (523940)
- SIC
- Insurance Agents, Brokers & Service (6411), Personal Credit Institutions (6141), Finance Services (6199)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industry
- Affinity, Membership & Association Referral Programs (FSAEAMAL)
Keywords
Where Exata Grupo is headquartered
LocationHeadquarters
- HQ city
- Fortaleza
- HQ country
- Brazil
- HQ region
- Latin America
Offices3 records
Markets served
Exata Grupo business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Correspondent Banking (CORBAN): As a certified banking correspondent, Exata earns commissions and fees from banks for facilitating credit products, particularly crédito consignado (payroll-deductible loans) for government benefit recipients and pensioners.
- Insurance Brokerage: Exata operates as a SUSEP-licensed insurance broker, earning commissions from sale of life insurance (individual and collective) and other insurance products.
- Digital Account and Loyalty Program: Exata Digital provides fee-free digital accounts with product-based benefits; the Fidelidade loyalty card offers discounts on products and services, generating revenue through merchant partnerships and network participation.
- Financial Planning and Actuarial Services: Through partnership with ARIMA, Exata provides financial and actuarial analysis services to companies and entities, generating fees for consulting and planning engagements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Auxílio Brasil Loan - up to R$ 2,150.00 |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Exata Grupo product offering
Product offeringCore offering
Exata Grupo operates as a diversified Brazilian financial services group functioning primarily as a banking correspondent (CORBAN) that facilitates crédito consignado and other credit products on behalf of partner banks. It also operates a SUSEP-licensed insurance brokerage focused on individual and group life insurance, delivers financial and actuarial planning consulting in partnership with associated company ARIMA, provides counseling services, and runs Exata Digital (a digital banking account with a product-pay rather than fee model) and the Exata Fidelidade loyalty program offering discounts, telemedicine, and counseling benefits to union, association, and company members.
Product overview
Exata Grupo is a diversified financial services group operating as a multi-product platform offering banking correspondent services (CORBAN), insurance brokerage (life insurance specialties), financial planning and actuarial analysis (via ARIMA partnership), counseling services, digital banking (Exata Digital), loyalty programs, and contact center solutions. The portfolio includes a flagship correspondent banking platform for credit and loan products, an authorized insurance brokerage, actuarial planning services, and emerging digital financial services. The group has over 25 years of market experience and operates from headquarters in Fortaleza and a relationship office in Brasília.
Differentiator
Problem solved
Functional benefit
Brands
- Exata Digital: Digital banking solution where users pay for products instead of fees
- Exata Fidelidade
Products and services
- CORBAN (Correspondente Bancária) Certified banking correspondent service that supports financial solutions on behalf of partner banks and financial institutions, offering differentiated service and ethical, conscious credit for individual consumers and partners in Brazil.
- Empréstimo Auxílio Brasil Payroll-deductible loan (crédito consignado) for Brazilian Auxílio Brasil benefit recipients, offering up to R$ 2,150.00 with up to 24 monthly installments deducted directly from the government benefit, including acceptance of borrowers with negative credit and 100% online processing.
- Corretora de Seguros (Insurance Brokerage) SUSEP-licensed insurance brokerage authorized to operate in all branches, specializing in individual and collective life insurance for both individuals (Pessoa Física) and legal entities (Pessoa Jurídica), including participation in public tenders.
- Aconselhamento (Counseling Services) Counseling service using a diversified team of professionals from various areas who analyze cases individually to develop economic, fast, and effective strategies for clients across consumer and corporate needs.
- Planejamentos (Exata + ARIMA) Actuarial, financial, and administrative analysis services delivered jointly by Exata and ARIMA, using MIBA-certified actuaries to analyze and classify client companies or entities, producing technical reports on short, medium, and long-term financial health and identifying operational efficiencies and savings.
- Exata Digital (Digital Banking Account) Digital banking solution that allows Brazilian customers to open an account online and pay for specific products to unlock benefits, rather than paying recurring monthly tariffs; positioned as a fee-free alternative with bundled benefits.
- Cartão Fidelidade (Exata Fidelidade Loyalty Program) Loyalty card program offering a network of real discounts on products and services plus included telemedicine and counseling services, designed to support the social sustainability of union, associative entities, and partner companies and their members.
Companies that use Exata Grupo
Customer profileSegments4 records
Ideal customer profiles3 records
Exata Grupo technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Exata Grupo partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ARIMAcoreARIMA is an associated company of Exata Grupo, providing actuarial and financial consulting services. ARIMA has actuaries properly certified (MIBA - Membro do Instituto Brasileiro de Atuária) who perform financial and administrative analysis for companies and entities. The partnership enables Exata to offer comprehensive financial planning and actuarial services, with the combined team analyzing and classifying client organizations to achieve greater operational efficiency and generate savings.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Exata Grupo competitors and assessment
Company assessmentDirect peers
- Crefisa: Brazilian consumer credit institution focused on payroll-deductible and benefit-secured loans to underserved borrowers, with similar correspondent-bancário-style distribution and small-ticket loan economics.
- BMG: Brazilian commercial bank specializing in payroll-deductible loans (consignado) for INSS retirees and government beneficiaries—the same core customer segment and product as Exata's Auxílio Brasil offering.
- Banco Pan: Brazilian consumer bank offering credit, payroll-deductible loans, and insurance to mass-market and underbanked customers—directly comparable market segment and product mix to Exata.
Broad incumbents
- Nubank: Latin America's largest digital bank, offering credit, insurance, and loyalty products through a digital account—competing with Exata for Brazilian consumer banking and insurance relationships at scale.
- Inter & Co: Brazilian digital super-app offering digital account, payroll-deductible loans, insurance brokerage, and digital services—a broader portfolio across the same product categories as Exata.
Emerging players
- Ole Consignado: Digital-first Brazilian payroll-deductible loan platform enabling online simulations and origination for INSS and government beneficiaries—a newer, app-native parallel to Exata's WhatsApp-driven credit distribution.
- Geru: Brazilian online lending platform serving thin-file and subprime borrowers through digital channels—competing for the same underbanked credit segment as Exata's correspondent banking operation.
- Will Bank: Brazilian digital bank targeted at INSS retirees and beneficiaries, offering a free account plus payroll-deductible loans—competing for the same Auxílio Brasil/INSS customer segment as Exata.
- Rebel: Brazilian fintech providing consumer credit to underserved borrowers, including those with negative credit history—directly overlapping with Exata's 'negativados' target segment.
Regional players
- Agibank: Brazilian consumer-focused bank offering payroll-deductible loans, insurance brokerage, and digital account services to underserved and mass-market customers—closely aligned with Exata's integrated financial services model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Exata Grupo social profiles
Digital presenceExata Grupo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Exata Grupo leadership team
Management profileNumber of profiles
Exata Grupo subsidiaries and ownership
Company hierarchySubsidiaries1 record
Exata Grupo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Exata Grupo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Exata Grupo
What does Exata Grupo do?
Exata Grupo operates as a diversified Brazilian financial services group functioning primarily as a banking correspondent (CORBAN) that facilitates crédito consignado and other credit products on behalf of partner banks. It also operates a SUSEP-licensed insurance brokerage focused on individual and group life insurance, delivers financial and actuarial planning consulting in partnership with associated company ARIMA, provides counseling services, and runs Exata Digital (a digital banking account with a product-pay rather than fee model) and the Exata Fidelidade loyalty program offering discounts, telemedicine, and counseling benefits to union, association, and company members.
Is Exata Grupo a public or private company?
Exata Grupo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Exata Grupo founded?
Exata Grupo was founded in 1995. It employs 11 to 50 people.
Where is Exata Grupo based?
Exata Grupo is headquartered in Fortaleza, Brazil, in the Latin America region.
How does Exata Grupo make money?
Four revenue lines are on record. Correspondent Banking (CORBAN) is the primary driver. The others are insurance Brokerage, digital Account and Loyalty Program and financial Planning and Actuarial Services.
Who are Exata Grupo's main competitors?
Direct peers on record are Crefisa, BMG and Banco Pan. Broad incumbents are Nubank and Inter & Co. Emerging players are Ole Consignado, Geru, Will Bank and Rebel. Agibank is listed as a regional player.
Does Exata Grupo have an API?
No public API is recorded for Exata Grupo.
What industry is Exata Grupo in?
Exata Grupo's product category is Financial Services. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSAEAMAL, Affinity, Membership & Association Referral Programs. Its NAICS code is 524210 and its SIC code is 6411.