Rodobens corretora consorcios & seguros

What Rodobens corretora consorcios & seguros does

Rodobens corretora consorcios & seguros is a Brazilian financial services group that administers consórcios (group purchasing systems), brokers insurance products, provides secured lending, and operates authorized automobile dealerships. Founded around 1950 and headquartered in São José do Rio Preto, São Paulo, the company carries a Fitch credit rating of AA+ (bra) and claims more than 75 years of continuous market presence. It serves both individual consumers (Para você) — for vehicle, motorcycle, truck, real estate, and services consortium participation, vehicle financing, property-collateralized loans (EGI), and payroll-deductible loans (Consignado) — and businesses (Para seu negócio) — for fleet financing, leasing, floor plan inventory financing, corporate insurance (vehicle, property, transport, benefits, risk management), and corporate EGI.

The core product portfolio spans consórcios for cars, motorcycles, trucks, real estate, investment, and a broad services category (home renovation, aesthetics, travel, education, events, dental care, solar panels), plus an exclusive Consórcio Pontual modality that enables 0km vehicle acquisition from the 6th paid assembly. Insurance products include vehicle, health/telemedicine (via Digimed), dental, property, transport, and benefits coverage. The technology stack is a digital self-service ecosystem comprising the Rodobens Digital mobile application and dedicated web portals (Credita for consórcios, EGI for property-collateralized loans, Consignado for payroll loans, and Transporte for fleet/transport services), supported by a nationwide physical distribution network of authorized Toyota, Hyundai, and Mercedes-Benz dealerships plus accredited broker partners.

The business model generates revenue from four primary streams: recurring administration fees on consórcio pools (taxa de administração), transaction-based interest income on loans and vehicle financing, commissions from insurance brokerage, and one-time revenue from automotive retail through OEM dealerships. Distribution is hybrid: physical concessionárias and accredited partners handle acquisition and relationship management, while digital channels handle in-life account servicing, payment, and bid (lance) submission. Pricing is quote-based and credit-driven rather than publicly disclosed.

Name

Rodobens corretora consorcios & seguros

Legal name

Rodobens

Website

https://im.rodobens.com.br

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Consortium and Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Support Activities for Transportation (488)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Fleet & Commercial Vehicle Finance (FSAKADAE)

akta.pro secondary industry

Lease Servicing, Management & Remarketing (Consumer) (FSAKANAL)

Keywords

• Consortium financing services
• Insurance brokerage services
• Vehicle financing loans
• Automotive retail dealerships
• Secured property lending

Headquarters

HQ city

São José do Rio Preto

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, Technology or R&D, Supply Chain

Revenue model

1. Consortium Fees (Taxa de Administração): Revenue generated from consortium administration fees charged to participants in consórcio groups for vehicles, motorcycles, trucks, real estate, services, and other categories.
2. Loan and Financing Interest: Interest income from secured loans (with property guarantee - EGI), vehicle financing, and other lending products offered to individuals and businesses.
3. Insurance Products: Commission revenue from selling insurance products including vehicle insurance, health/telemedicine, dental, benefits, and other coverage products.
4. Automotive Retail: Revenue from commercial vehicle sales (Toyota, Hyundai, Mercedes-Benz) and used/semi-new vehicles through owned dealership operations.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Rodobens corretora consorcios & seguros is a Brazilian financial services group that administers consórcios (group purchasing systems) for cars, motorcycles, trucks, real estate, investment assets, and services (renovation, travel, education, events, dental, solar panels), and operates an exclusive Consórcio Pontual modality that allows participants to receive a 0km vehicle from the 6th paid assembly. Beyond consórcios, the company brokers insurance products (vehicle, benefits, property, transport, risk management, telemedicine), provides financing and loans (vehicle financing, EGI secured by real estate, payroll-deductible Consignado, floor plan), offers leasing and rental services, and runs automotive retail through authorized Toyota, Hyundai, and Mercedes-Benz dealerships and a semi-new vehicle channel.

Product overview

Rodobens is a comprehensive financial ecosystem offering consórcios (group purchasing systems), insurance products, financial services, and automotive retail. The core offering consists of various consortium modalities for cars, motorcycles, trucks, real estate, investment, and services (renovation, travel, education, events, dental, solar panels). The exclusive Consórcio Pontual allows participants to receive a new vehicle from the 6th paid assembly. Additional services include vehicle financing, loans with real estate collateral (EGI), payroll loans (Consignado), comprehensive insurance, telemedicina, leasing, floor plan financing, and automotive retail through Toyota, Hyundai, and Mercedes-Benz dealerships. Digital access is provided through the Rodobens Digital mobile app and customer portals including Credita, EGI, Consignado, and Transporte.

Differentiator

Problem solved

Functional benefit

Brands

• Credita: Customer portal for consortium services
• EGI
• Consignado
• Transporte
• Rodobens Digital
• Consórcio Pontual

Products and services

• Consórcio de Carros Group purchasing (consórcio) system for automobiles, allowing participants to pool resources and receive allocated vehicles through periodic assemblies; targeted at individual consumers seeking a lower-cost alternative to traditional vehicle financing.
• Consórcio de Motos Group purchasing system for motorcycles with affordable monthly installments and allocation through periodic assemblies, targeting individual consumers seeking motorcycle acquisition.
• Consórcio de Caminhões Group purchasing system for trucks designed for transportation professionals and businesses, enabling acquisition of commercial trucks through periodic assemblies.
• Consórcio de Imóveis Group purchasing system for real estate properties, enabling participants to acquire homes through scheduled allocations via assemblies.
• Consórcio de Investimento Group purchasing system focused on investment assets and financial goals, targeting participants building investment capital through scheduled allocations.
• Consórcio Pontual Exclusive Rodobens consórcio modality enabling participants to receive a new 0km vehicle from the 6th paid assembly, with the ability to choose when to take delivery of the vehicle, differentiating from traditional consórcio models.
• Consórcio de Serviços Group purchasing system for various services including home renovation, aesthetics, travel, education, events, dental care, and solar panel installation, enabling participants to acquire these services through scheduled allocations.
• Financiamento de Veículos Leves Vehicle financing for light automobiles and commercial vehicles, available for both individual (Para você) and business (Para seu negócio) customers, providing installment-based acquisition of new and used vehicles.
• Empréstimo com Garantia de Imóvel (EGI) Secured loan using real estate as collateral (EGI), offering lower interest rates for both individual consumers and business borrowers, accessible through the dedicated EGI customer portal.
• Seguros Comprehensive insurance brokerage products including vehicle insurance, benefits (including dental and telemedicine), property/patrimônio coverage, transport/transportes coverage, and risk-management services, distributed to both individual consumers and corporate clients.
• Telemedicina Digimed Telemedicine service providing remote medical consultations for insurance customers, offered as an add-on within the insurance portfolio targeting individual consumers.
• Varejo Automotivo Automotive retail division offering new and pre-owned vehicles from Toyota, Hyundai, Mercedes-Benz (passenger) and commercial vehicle brands, with a separate semi-new (seminovos) channel, supported by associated financing and insurance products.
• Leasing e Locação Leasing and vehicle rental services for business customers, enabling corporate fleet acquisition and use without upfront ownership.
• Floor Plan Inventory financing solution for automotive dealers to fund vehicle stock, enabling dealer partners to finance inventory acquisition through Rodobens' dealer network relationships.
• Consignado Payroll-deductible loan (crédito consignado) service for employees of partner companies, with payments deducted directly from payroll, accessed through the dedicated Consignado customer portal.

Quantifiable outcome

• 0km vehicle acquisition possible from the 6th paid assembly with Consórcio Pontual

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Toyota (Automóveis Toyota)coreOEM/ Whitelabel/ Licensing PartnerRodobens operates authorized Toyota automobile dealerships in Brazil, selling new vehicles and providing associated financial services including financing and insurance.
• Hyundai (Automóveis Hyundai)coreOEM/ Whitelabel/ Licensing PartnerRodobens operates authorized Hyundai automobile dealerships in Brazil, selling new vehicles and providing associated financial services.
• Mercedes-Benz (Automóveis Mercedes-Benz)coreOEM/ Whitelabel/ Licensing PartnerRodobens operates authorized Mercedes-Benz automobile dealerships in Brazil, selling luxury vehicles and providing associated financial services.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Banco Pan: Brazilian consumer-finance-focused bank with payroll loans (Consignado), vehicle financing, and consortium offerings. Direct competitor for Rodobens' consumer lending and consórcio volumes.
• Localiza: Brazil's largest car rental and fleet management company, with deep relationships with OEMs and B2B fleet customers. Comparable to Rodobens' commercial vehicle leasing, fleet finance, and dealership operations.
• Bradesco: One of Brazil's largest private banks, with significant consumer credit, insurance (via Bradesco Seguros), and vehicle financing operations. A broad incumbent competitor across multiple of Rodobens' product lines.
• Porto Seguro: One of Brazil's largest insurance groups (auto, property, life, health) with strong consumer brand and broker channels. Comparable to Rodobens on insurance product breadth and Brazilian B2C distribution.
• Unidas: Major Brazilian car rental and fleet management company. Comparable to Rodobens on the leasing/locação and B2B fleet side of the business.

Emerging players

• C6 Bank: Brazilian digital bank offering consumer credit, payroll loans, and insurance products. Comparable to Rodobens on the consumer lending and insurance cross-sell mechanics, with a stronger digital-native UX.
• Inter: Brazilian digital bank and super-app expanding into consumer credit, insurance, and consortium-like products with a fully digital UX. Comparable as an emerging digital-first threat in the same customer segments Rodobens serves.

Direct peers

• Zaffari Corretora de Seguros: Brazilian corretora combining consortium administration and insurance brokerage with multi-channel distribution. Highly comparable to Rodobens' corretora de consórcios & seguros business model.
• Embracon: One of Brazil's largest dedicated consórcio administrators, offering consortiums for vehicles, real estate, motorcycles, and services. Directly comparable to Rodobens' core consórcio business across product breadth and target customer.
• Unipar Consórcios: Brazilian consortium specialist with a multi-category product range (vehicles, real estate, services). Closely mirrors Rodobens' consórcio portfolio and B2C/B2B distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/RodobensOficial
• Facebookfacebook.com/Rodobens
• LinkedInlinkedin.com/company/rodobens-corretora-consorcios-seguros
• Instagraminstagram.com/oficialrodobens

Compliance3 records

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 Rodobens corretora consorcios & seguros