Flex Soluções Gestão em Benefícios

What Flex Soluções Gestão em Benefícios does

Flex Soluções Gestão em Benefícios is a privately held Brazilian company headquartered in Rio de Janeiro that operates as a bank and non-bank correspondent (correspondente bancário/não bancário), distributing consumer and corporate credit products on behalf of partner financial institutions including Santander, Banco BV, Bancopan, and Daycoval. Founded in 2011 and operating with approximately 9 employees, the company focuses on Rio de Janeiro state and targets two customer segments: individual consumers (Pessoa Física) — including private-sector CLT employees, INSS retirees and pensioners, and public servants aged 18 to 70 — and corporate clients (Pessoa Jurídica) seeking employee benefit programs anchored by Federal Law 14.509.

The product portfolio centers on payroll-deductible credit and related retail finance instruments: Consignado (PF and PJ), Cartão Consignado (RMC) and Cartão Benefício (RCC), Débito em Conta for INSS beneficiaries, Saque-Aniversário do FGTS access, credit-card-limit cash conversion, general financing, and a packaged corporate benefits offering. Supporting these, Flex Soluções positions an "Educação Financeira" service that frames the firm as a consultative intermediary rather than a pure credit originator. The stated technology footprint is conventional correspondent-banking infrastructure; no proprietary platform, API, mobile app, or AI/ML capability is disclosed, and customer-facing operations are delivered through WhatsApp consultation at +55 21 99437-4185 plus an Instagram presence (@flexsolucoes.rj).

The business model is transaction-based: revenue is earned as commissions paid by partner banks for each credit product successfully placed with end customers, with pricing (interest rates and fees) set by the partner institutions rather than by Flex Soluções. The go-to-market is sales-led and direct-to-consumer, relying on WhatsApp-led personalized consultation rather than digital marketing or paid acquisition channels, and on corporate partnerships that enable distribution to private-sector employee bases.

Name

Flex Soluções Gestão em Benefícios

Legal name

Flex Soluções

Website

https://flexsolucoes.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Flex Soluções is a Rio de Janeiro-based bank correspondent that distributes consigned loans, credit cards, FGTS withdrawal access, and corporate benefit packages from partner banks (Santander, Banco BV, Bancopan, Daycoval) to individual consumers and private-sector employers in Rio de Janeiro state via WhatsApp-led consultation.

Ownership category

akta.pro rank

Product category

Banking Correspondent Services

NAICS

Consumer Lending (522291), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro primary industry

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Bank correspondent services
• Payroll-deductible loans
• Corporate benefits management
• Consigned credit products
• Financial education consulting

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Correspondent Banking Commission: The company operates as a bank correspondent (correspondente bancário/não bancário) earning commissions from banking partners for originating credit products including consigned loans, credit cards, and other financial products. Revenue is generated through transaction-based fees paid by partner financial institutions (Santander, Banco BV, Bancopan, Daycoval) for each credit product successfully placed with customers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Flex Soluções operates as a bank and non-bank correspondent (correspondente bancário/não bancário) distributing credit products from partner financial institutions (Santander, Banco BV, Bancopan, Daycoval) to individual consumers and corporate clients. The company offers payroll-deductible loans (consignado), benefit credit cards (RMC and RCC), FGTS anniversary withdrawals, credit card cash conversion, and customized corporate benefit portfolios, supported by personalized financial education services in Rio de Janeiro state.

Product overview

Flex Soluções Gestão em Benefícios operates as a unified financial services offering centered on corporate benefits and personal/business credit. The portfolio includes payroll-deductible loans (Consignado), specialized benefit cards (Cartão Consignado RMC and Cartão Benefício RCC), FGTS withdrawal access, credit card cash conversion, general financing, and corporate benefit packages — all supported by personalized financial education services. The company primarily serves Brazilian individuals (pensioners, public servants, private sector employees) and business clients through partnerships with banks across Rio de Janeiro state.

Differentiator

Problem solved

Functional benefit

Products and services

• Consignado (Pessoa Física)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Facta Financeira: Facta Financeira is a Brazilian correspondent bank and consumer credit distributor offering consigned loans, credit cards, and personal credit products through partner financial institutions. It is directly comparable to Flex in business model: acting as an intermediary between consumers and partner banks while earning origination commissions.
• Daycoval: Daycoval is a Brazilian bank providing consigned loans and credit solutions, listed as a Flex partner. It is comparable because it sits at the boundary between partner bank and direct competitor: it supplies products through correspondents like Flex while also originating credit directly to the same customer segments.
• Banco BV: Banco BV is a Brazilian financial institution specializing in consumer credit and consigned lending, listed as one of Flex's core partner banks. Comparable because, like Banco Pan and Daycoval, it both supplies the products Flex distributes and competes for the same end customer through its own channels.
• Crefisa: Crefisa is a large Brazilian consumer lender specializing in payroll-deductible loans (Consignado) and personal credit, with a multi-channel distribution network including bank correspondents. It targets the same end customer (CLT employees, INSS retirees, public servants) using very similar products, making it the most direct competitor and the partner-bank proxy for what Flex distributes.
• Banco Pan: Banco Pan is one of Flex's named partner banks and also operates a direct consigned credit and personal loan origination business with its own correspondent network. It is comparable because it both supplies the products Flex distributes and competes for the same end customer through its own channels.

Broad incumbents

• Nubank: Nubank is Brazil's largest digital bank, offering personal loans, credit cards, and increasingly payroll-deductible credit products through its app. Comparable as a broad incumbent in the same consumer credit space whose direct-to-consumer model structurally threatens small correspondent-bank distributors like Flex.
• Banco Inter: Banco Inter is a major Brazilian digital bank offering consigned loans, payroll-deductible credit, personal credit, and corporate benefit products directly through its app. It is comparable because it serves the same end customer with the same core products (especially Consignado) but as a deposit-taking incumbent with proprietary technology rather than as a small correspondent.

Others

• Qi Tech: Qi Tech is a Brazilian embedded-finance and credit-as-a-service infrastructure provider enabling banks, fintechs, and retailers to originate and service consumer credit programmatically. Comparable as an enabling/adjacent player: it represents where the consumer-credit distribution stack is heading, and could disintermediate or enable smaller players like Flex.

Emerging players

• Geru: Geru is a Brazilian fintech offering online consumer credit and personal loans with risk-based pricing. It targets a similar Brazilian consumer-credit segment as Flex but uses a fully digital, app-based model rather than WhatsApp-led sales. Comparable because it competes for the same underlying consumer credit demand via a different distribution model.
• Simplic (Magnetis/Meliuz group): Simplic is a Brazilian consumer credit fintech offering online personal loans. It overlaps with Flex on the consumer lending use case for Brazilian individuals but distributes entirely digitally rather than via bank-correspondent partnerships. Comparable as an emerging direct competitor to the small correspondent-bank model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• Instagraminstagram.com/flexsolucoes.rj
• LinkedInlinkedin.com/company/flex-solu%C3%A7%C3%B5es-gest%C3%A3o-em-benef%C3%ADcios

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 Flex Soluções Gestão em Benefícios