What FINAMOB does

Finamob is a São Paulo-based Brazilian proptech that operates an AI-powered funding platform connecting real estate developers (incorporadores), land developers (loteadores), and construction companies with capital providers. The platform runs five core credit products — Ponte (bridge credit), Obra (production financing via CRI securitization), Estoque (inventory rotation), Recebíveis (receivables anticipation), and Corporativo (corporate liquidity) — alongside four proprietary investment vehicles (FIDC Obra, FIDC Crequity, FIDC Consórcio, and a blockchain-based Tokenização platform for real estate equity crowdfunding) and a strategic advisory service called FINAdvisor led by Murilo Marchesini.

The underlying technology is a proprietary AI matching system that pairs each project's capital demand, structure requirements, and technical context with the most adherent of 208 connected financing agents, optimizing for speed and probability of realization. The Farejador tool provides self-service project scoring across four pillars (Praça, Produto, Economics, Sponsor) and ten sub-pillars, producing a composite pre-approval verdict. Distribution is multi-channel: a direct sales team for enterprise deals, a 1,038-partner Finamober originator network spanning all 27 Brazilian states, the Farejador self-service funnel, and FINAdvisor for complex structuring.

Finamob monetizes through origination and transaction fees on facilitated deals, structuring and management fees on its FIDC vehicles, professional services on CRI securitizations, FINAdvisor advisory fees, and subscription or usage access to Farejador. To date, the platform reports R$ 1.2 billion in facilitated volume across 92 operations, with R$ 200 million originated through the partner network and R$ 3.2 million in commissions distributed to Finamobers; FIDC Obra targets R$ 300 million in 2024 volume. The company is privately held with a lean headcount of nine employees, consistent with its asset-light, network-driven model.

Name

FINAMOB

Legal name

Finamob

Website

https://finamob.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Real Estate Financing Platform

NAICS

Funds, Trusts, and Other Financial Vehicles (525), Sales Financing (52222)

SIC

Asset-Backed Securities (6189), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industries

Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations) (FSAGAMAK), Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

Keywords

• Real estate financing
• Proptech platform
• Developer capital funding
• AI project matching
• Real estate securitization

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, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Transaction/Origination Fees: Fees earned on funding operations facilitated through the platform. The network of Finamobers (partner originators) bring projects and earn commissions on each closed operation. Volume of R$ 200M in originated business with R$ 3.2M in commissions distributed.
2. FIDC Structuring and Management: Structuring and managing proprietary investment vehicles (FIDC Obra, FIDC Crequity, FIDC Consórcio) that provide financing to real estate developers. Revenue generated from vehicle structuring fees and ongoing management.
3. CRI/Securitization Structuring: Structuring of real estate receivables securitization through CRI (Certificados de Recebíveis Imobiliários) instruments, connecting developers with capital market investors.
4. FINAdvisor Strategic Advisory: Strategic advisory services provided by Murilo Marchesini for targeted project monitoring and guidance throughout the funding process.
5. Digital Platform Services: Subscription or usage-based access to the Farejador tool for project analysis and monitoring, enabling developers to evaluate and track project health.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels5 records

Core offering

FINAMOB is a Brazilian proptech that connects real estate developers (incorporadores), land developers (loteadores), and construction companies (construtoras) with more than 208 capital market financing agents. It uses proprietary AI technology to match project capital demand with the most suitable capital allocation, and structures financing through bridge credit, production financing (CRI/securitization), inventory rotation credit, receivables anticipation, corporate credit, and proprietary FIDC investment vehicles. The company also operates a blockchain-based tokenization platform and the Farejador self-service project analysis tool.

Product overview

Finamob operates as a funding platform connecting real estate developers (incorporadores) and land developers (loteadores) seeking capital with financing agents and capital market investors. The platform offers a unified product portfolio comprising: (1) Core funding products including Ponte (bridge credit), Obra (production financing), Estoque (inventory credit), Recebíveis (receivables anticipation), Corporativo (corporate liquidity), FIDCs Artesanais (custom structuring), and FINAdvisor (strategic advisory); (2) Proprietary investment vehicles including FIDC Obra, FIDC Crequity, FIDC Consórcio, and Tokenização (blockchain-based real estate tokens); and (3) The Farejador analytical tool for project evaluation. The platform leverages proprietary AI to match project needs with optimal financing structures across 200+ connected financing agents.

Differentiator

Problem solved

Functional benefit

Brands

• FIDC Obra: Financing for production of medium-high standard incorporations for small and medium players.
• FIDC Crequity
• FIDC Consórcio
• Tokenização
• FINAdvisor
• Farejador
• FIDCs Artesanais

Products and services

• Ponte (Crédito Ponte) Short-term bridge credit covering initial construction expenses (licensing, mobilization, supplies) so developers do not deplete their own capital before long-term financing is released. Minimum volume R$ 1 million, up to 20% of VGV, 1-month minimum tenor. For real estate developers.
• Obra (Financiamento à Produção) Long-term construction funding through CRI/securitization that connects developers with capital market investors, reducing dependence on traditional bank credit. Minimum typical volume R$ 5 million, emission tenor from 60 days, operation tenor up to 10 years. For real estate developers.
• Estoque (Giro de Estoque) Credit that converts performed (completed) inventory units into immediate liquidity using real estate as collateral, financing up to 80% of value with flexible release and repayment aligned with the developer's sales pace.
• Recebíveis (Receivables Anticipation) Anticipation of credit rights that enables developers to access future receivables ahead of schedule for liquidity purposes.
• Corporativo (Corporate Credit) Discretionary liquidity backed by company assets for general corporate funding purposes of the developer.
• FIDCs Artesanais Custom structuring of investment funds in credit rights (FIDCs) on demand, creating tailored FIDC vehicles for specific developer project requirements.
• FINAdvisor Strategic advisory and follow-up service led by Murilo Marchesini providing personalized guidance and project monitoring throughout the funding process for real estate developers.
• FIDC Obra Proprietary FIDC investment vehicle for production financing of medium-high standard real estate incorporations targeting small and medium developers typically excluded from large bank balance sheets. Target volume R$ 300 million for 2024.
• FIDC Crequity Proprietary FIDC providing bridge credit for economic/popular housing projects with associative funding, 100% structured by FINAMOB with national Brazilian coverage.
• FIDC Consórcio Proprietary FIDC providing working capital with real estate guarantee via contemplated consortium, offering short contracting time and liquidity without burdening project cash flow.
• Tokenização (Real Estate Tokenization) Blockchain-based capital raising via equity backed by real estate tokens, providing fractional ownership, liquidity, and tokenized custody for investors while delivering digital processes and agility for developers.
• Farejador Self-service AI-powered project analysis and monitoring tool that evaluates real estate projects across four pillars (Praça/Location, Produto/Product, Economics, Sponsor) with 10 sub-pillars, producing a composite score out of 10 and a pre-approval verdict for developers.

Quantifiable outcome

• R$ 1.2B in financed volume across 92 operations
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• QuintoAndar: Brazilian proptech giant with broad real estate offerings and proprietary financing capabilities. Adjacent to Finamob's market but serves primarily rental and residential transactions rather than greenfield developer funding.
• Loft: Brazilian proptech operating a broad real estate platform including transactions, financing, and brokerage. While not exclusively focused on funding intermediation, it increasingly competes with Finamob in capital allocation for real estate projects.
• Bossa Nova Investimentos: Brazilian online broker with real estate investment products. Overlaps with Finamob in connecting retail investors to real estate opportunities, though via securities brokerage rather than direct developer financing.
• Inter Propriedades: Brazilian digital bank with a real estate investment vertical. Provides complementary funding rails and investment products; competes for retail investor capital allocation alongside Finamob's platform.

Regional players

• SmartME: Portuguese real estate crowdfunding platform. Operates similar developer financing intermediation model but in European market; comparable technology and product structure to Finamob's offerings.
• 178.9.0: Brazilian real estate investment platform focused on collective investment in real estate assets. Comparable to Finamob's crowdfunding and structured credit offerings for developers and investors.

Direct peers

• Housers: Real estate investment platform enabling fractional property investment across multiple European and Latin American markets. Comparable to Finamob in intermediation of developer capital needs and retail investor funding, though more focused on equity crowdfunding.
• Kzas: Brazilian real estate crowdfunding platform enabling developers to raise capital directly from investors. Directly competes with Finamob's intermediation model, particularly in the capital market funding segment for real estate developers.
• CF Capital: Brazilian real estate investment and financing firm operating proprietary FIDC structures. Directly competes with Finamob's FIDC Obra and similar production financing vehicles for real estate developers.

Emerging players

• Housi: Brazilian proptech offering flexible rental and real estate services. Adjacent to Finamob's market with partial overlap in property financing and developer relationships, though primarily focused on rental living solutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/finamob-tech

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 FINAMOB