What MAXXI INVESTIMENTOS does

Maxxi Investimentos is a privately held Brazilian financial services intermediary founded in 2018, operating as an authorized representative (representante credenciado) of Caixa Aqui and Caixa Seguradora in the cities of Londrina and Maringá, Paraná. The company sells and administers a portfolio of financial products on behalf of Caixa Econômica Federal and Caixa Seguradora, including four consortium (consórcio) categories — real estate, automotive, rural/agricultural, and business/professional — as well as payroll-deductible loans (empréstimo consignado), Minha Casa Minha Vida housing financing, life and funeral insurance, credit cards, checking account opening, and merchant payment processing for businesses. Its technology stack is minimal: a WordPress-based marketing website with no proprietary platform, no mobile app, no API, and no disclosed integrations; the firm relies on standard banking and consortium administration systems provided by its partners.

The business model is commission- and transaction-fee based across all product lines, with no publicly disclosed pricing. Customer acquisition is conducted through two physical offices staffed by named consultants (Elizete Costa for loans, Eduardo Alegre for consortiums) plus remote consultation via phone, email, and WhatsApp. The customer base is diversified across five segments: individual homebuyers, vehicle buyers, rural/agricultural producers, small business owners, and INSS (Social Security) pensioners. Marketing is limited to a basic website and social media placeholders on Facebook, Twitter, and Google, with no evidence of content marketing, paid acquisition, or SEO investment. With 5 employees and a footprint confined to two mid-sized Paraná cities, Maxxi operates as a regional, relationship-driven intermediary whose growth and scale signals are limited to its initial 2018 baseline.

Name

MAXXI INVESTIMENTOS

Legal name

Maxxi Investimentos

Website

https://maxxiinvestimentos.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Maxxi Investimentos is a Brazilian financial services intermediary founded in 2018, operating as an authorized Caixa representative in Londrina and Maringá, Paraná, selling consórcios, payroll loans, housing financing, and insurance products to individual consumers and small businesses through two physical offices.

Ownership category

akta.pro rank

Product category

Consumer Financial Services Intermediation

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (524210)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)

akta.pro secondary industries

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Mortgage Loan Sales & Aggregation (Correspondent/Conduit Aggregators) (FSALAFAD)

Keywords

• Consortium services
• Payroll deductible loans
• Housing financing
• Life insurance
• Financial intermediation

Headquarters

HQ city

Londrina

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consortium Management Fees: Earns commissions from facilitating consortium pool memberships for real estate, automotive, agricultural, and business assets. Customers make programmed deposits into consortium groups.
2. Payroll-Deductible Loans (Empréstimo Consignado): Processes and earns fees from payroll-deductible loans, including INSS-linked loans, credit card issuance, and account opening services.
3. Housing Financing: Facilitates Minha Casa Minha Vida housing financing, earning commissions on loan originations for residential properties.
4. Insurance Products: Sells life insurance and funeral assistance insurance as a licensed insurance intermediary, earning commissions on policy sales.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

MAXXI Investimentos operates as an authorized representative of Caixa Aqui and Caixa Seguradora, reselling consortium plans (real estate, automotive, rural, and business/professional), payroll-deductible loans (Empréstimo Consignado), Minha Casa Minha Vida housing financing, and life and funeral insurance. It also provides ancillary services such as checking account opening, credit card requests, direct consumer credit (CDC), and merchant card-accreditation for small businesses, primarily serving consumers and small businesses in Londrina and Maringá, Paraná.

Product overview

MAXXI Investimentos is a financial services company offering a portfolio of complementary products centered on consortiums (consórcios) and loan services. The core product lines include four consortium types: Consórcio Imobiliário (real estate), Consórcio Automotivo (vehicles), Consórcio Rural (agricultural/rural properties), and Consórcio Empresarial & Profissional (business/professional equipment), alongside Empréstimo Consignado (payroll loans) and Financiamento Habitacional (housing finance via Minha Casa Minha Vida). Supporting services for individuals include checking accounts, credit cards, and insurance products (life and funeral). Business services include merchant payment processing and business account opening.

Differentiator

Problem solved

Functional benefit

Products and services

• Consórcio Imobiliário Real estate consortium service enabling participants to acquire land, houses, or apartments through scheduled deposits, with the option to use part of the value for construction, renovation, or property documentation. Targeted at individuals seeking affordable property acquisition without traditional mortgage interest rate exposure.
• Consórcio Automotivo Vehicle consortium allowing purchase of cars, motorcycles, boats, jet skis, and other vehicles through a cost-effective group savings mechanism. Targeted at consumers seeking zero-interest vehicle acquisition as an alternative to traditional auto financing.
• Consórcio Rural Agricultural consortium service for purchasing rural properties, farms, tractors, and agricultural machinery. Targeted at farmers and rural producers needing access to credit for agricultural investment and affordable equipment acquisition.
• Consórcio Empresarial & Profissional Business consortium for entrepreneurs and self-employed professionals to acquire machinery, solar panels, equipment, and work tools. Targeted at business owners and professionals facing capital constraints for business investment.
• Empréstimo Consignado Payroll-deductible loan with programmed deposits debited on a pre-defined date, card value appreciating annually by INPC, and post-contemplation returns linked to fixed-income funds rather than market-volatile investments. Targeted at INSS pensioners, civil servants, and corporate employees seeking affordable borrowing with guaranteed repayment source.
• Financiamento Habitacional (Minha Casa Minha Vida) Housing financing program based on Brazil's Minha Casa Minha Vida initiative, offering over 120,000 keys delivered in 30 months through Brazil's largest residential construction company. Targeted at individual homebuyers seeking government-subsidized residential property financing.
• Abertura de Conta Corrente Checking account opening service for individuals, intermediated on behalf of partner banks. Targeted at individual consumers in the Londrina and Maringá regions.
• Cartão de Crédito Credit card request service intermediated on behalf of partner banks. Targeted at individual consumers seeking credit card access.
• Liberação de Empréstimo na Conta (CDC) Direct loan disbursement to consumer account (Crédito Direto ao Consumidor). Targeted at individual consumers seeking quick-access personal credit.
• Seguro de Vida Life insurance providing financial protection for the policyholder's loved ones, intermediated on behalf of Caixa Seguradora. Targeted at individual consumers and INSS beneficiaries seeking family protection coverage.
• Seguro de Assistência Funeral Funeral assistance insurance coverage intermediated on behalf of Caixa Seguradora. Targeted at individuals and families seeking funeral cost protection.
• Abertura de Conta Corrente Jurídica Business checking account opening service with differentiated limits, intermediated on behalf of partner banks. Targeted at small business owners and self-employed professionals in Londrina and Maringá.
• Credenciamento para Recebimento de Vendas (Cartões) Payment processing accreditation for businesses through fixed or mobile credit card terminals. Targeted at small merchants needing to accept card payments.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Caixa Econômica FederalcoreChannel Partner/ Reseller/ DistributorAuthorized Caixa Aquí representative in Londrina and Maringá, reselling Caixa housing financing (Minha Casa Minha Vida), consortium products, and other Caixa financial services.
• Caixa SeguradoracoreChannel Partner/ Reseller/ DistributorAuthorized insurance representative selling Caixa Seguradora products including life insurance and funeral assistance coverage.

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Broad incumbents

• Bradesco: One of Brazil's largest private banks, offering payroll loans, housing finance, insurance, and consortiums through its own branch and digital channels. Overlaps with Maxxi across multiple product categories but at vastly larger scale.
• Itaú Unibanco: Brazil's largest private bank, offering consumer loans, housing finance, insurance, and credit cards directly and through digital channels. Competes with Maxxi for the same end-customer wallet across all major product lines.
• Banco do Brasil: Major Brazilian government-linked bank offering rural credit, payroll loans, housing finance, and insurance. Comparable to Maxxi in its broad product shelf and government-bank relationship, including agricultural lending that competes with Consórcio Rural.
• Porto Seguro: Major Brazilian insurance group selling life, funeral, auto, and residential insurance through its own broker network. Comparable to Maxxi's insurance agency revenue stream via Caixa Seguradora, but with proprietary products and brand.
• Caixa Econômica Federal: Maxxi's primary product partner and Brazil's largest government bank, which directly offers MCMV housing finance, consortiums, insurance, and consumer credit through its own branch network. Comparable in product mix; functionally both supplier and competitor to Maxxi's own offering.

Direct peers

• BMG: Brazilian bank specializing in payroll-deductible loans (crédito consignado) and INSS-linked credit, including credit card and account opening products. Directly comparable to Maxxi's Empréstimo Consignado revenue stream and INSS-beneficiary customer segment.
• Ademicon: One of Brazil's largest consortium (consórcio) administrators, offering real estate, auto, and business consortium products through a national sales-force model. Directly comparable to Maxxi across all four consortium verticals (Imobiliário, Automotivo, Rural, Empresarial).
• Embracon: Major Brazilian consortium administrator with products spanning real estate, automotive, motorcycle, and business assets. Operates through authorized representatives — the same distribution model Maxxi uses — making it a structurally analogous peer.

Regional players

• Sicredi: Brazilian credit cooperative with strong Paraná and southern-region presence, offering consumer loans, housing finance, insurance, and investment products to individuals and businesses. Comparable in regional footprint and customer segment to Maxxi's Paraná focus.
• Sicoob: Large Brazilian credit cooperative system providing consumer credit, agricultural finance, and insurance through member-owned branches nationwide. Overlaps with Maxxi in rural/agricultural customer segment and small-business credit intermediation.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/maxxi-investimentos

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 MAXXI INVESTIMENTOS