What ONEOS does

ONEOS is a Brazilian fintech and SaaS company operating an integrated ecosystem of credit and management solutions for the construction civil industry. Founded and headquartered in São Paulo under the legal entity Onepay Tecnologia Ltda. (CNPJ 42.794.506/0001-60), the company operates two core products: Onepay, a receivables anticipation platform that enables construction companies to extend payment terms up to 180 days while allowing suppliers to accelerate receivables, and Brik, an AI-powered ERP system focused exclusively on construction suppliers, offering contract management, automatic measurements, payment funnels, budget control, and an AI-driven invoice issuance assistant.

The platform is built on cloud infrastructure with public APIs for both products, enabling third-party integrations with existing management tools. The company serves two primary customer segments: construction companies (construtoras) seeking extended payment terms and cash flow management, and construction suppliers (fornecedores) seeking working capital and operational efficiency. As of the data collected, the platform reports 2,000+ registered suppliers, 50+ construction companies (including 5 of Brazil's top 20), R$600M+ transacted volume, R$150M in credit limits granted, and 20,000+ operations performed. The company employs 21 people and maintains 21 employees.

Revenue is generated through three primary streams: transaction-based fees from Onepay receivables anticipation, recurring subscriptions for Brik ERP, and capital market programs (Cashback and InvestBack) that provide construction companies with percentage-based remuneration on supplier volume and debenture-based returns above the CDI benchmark. The go-to-market combines product-led growth via self-service signup at app.oneos.com.br with an enterprise field sales motion targeting construction companies and suppliers. Core infrastructure partnerships include Brazilian credit bureaus (SISBACEN, SPC, SERASA) for credit analysis and fraud prevention, and financial institutions for payment processing.

Name

ONEOS

Legal name

Onepay Tecnologia Ltda.

Website

https://oneos.com.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

ONEOS is a Brazilian fintech-SaaS platform combining receivables anticipation (Onepay) and AI-powered ERP (Brik) into an integrated ecosystem serving construction companies and their suppliers across Brazil's construction civil industry.

Ownership category

akta.pro rank

Product category

Construction Fintech Software

NAICS

Custom Computer Programming Services (541511), Computer Systems Design Services (541512), Software Publishers (5132), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Integrated Systems Design (7373), Services-Computer Programming Services (7371)

akta.pro primary industry

Construction & Engineering ERP (Job Costing, Project Controls) (HDAEAEAE)

akta.pro secondary industries

Core ERP Suites (Financials, Procurement, Projects) (HDAEAEAA), ERP Managed Services & AMS (Application Management) (BPAEAGAB)

Keywords

• Construction credit software
• Receivables anticipation platform
• Construction ERP system
• Working capital solutions
• Construction financial management

Headquarters

HQ city

São Paulo, São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Onepay Receivables Anticipation Fees: Transaction-based revenue from facilitating receivables anticipation between construction companies and suppliers. Suppliers pay discounted fees to receive payments earlier than contractual terms. Construction companies benefit from extended payment terms.
2. Brik ERP Subscription: Software subscription fees for access to the Brik management system, including contract management, measurements, accounts payable/receivable, budget control, and AI-powered invoice issuance.
3. Cashback Program: Construction companies receive percentage-based remuneration on all financial volume anticipated by their suppliers through the Onepay platform.
4. InvestBack Program: Construction companies provide capital through debentures and receive returns above CDI benchmark rate, generating non-operating revenue.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

ONEOS develops and supplies an integrated ecosystem of credit and management software for Brazil's construction civil industry, comprising Onepay (a receivables anticipation platform that extends payment terms up to 180 days for construction companies and accelerates receivables for suppliers) and Brik (an AI-powered ERP system for construction suppliers with contract management, automated measurements, accounts payable/receivable, budget control, split payments, and a Brik AI invoice-issuance assistant). Both products share synchronized data within a collaborative workspace and expose APIs for integration with third-party tools.

Product overview

ONEOS is an ecosystem of credit and financial management solutions for Brazil's construction industry, comprising two integrated applications: Onepay for receivables anticipation and credit operations, and Brik for supplier-focused enterprise management. Both products share synchronized data, collaborative features with unlimited user access, and AI capabilities for data analysis and decision-making. The platform connects construction companies and suppliers through unified financial management tools.

Differentiator

Problem solved

Functional benefit

Brands

• Onepay: Capital de giro para os fornecedores, flexibilidade de prazo para as construtoras - credit and financing solution for construction industry suppliers and builders
• Brik

Products and services

• Onepay A receivables anticipation and credit platform dedicated to the Brazilian construction civil industry. Onepay enables suppliers to accelerate receivables in a few clicks and construction companies to extend payment terms up to 180 days. It includes a real-time statistics dashboard, electronic contract signing via certified digital signature, and supports the Cashback and InvestBack programs (percentage-based remuneration on supplier volumes and debenture-based returns above the CDI benchmark). For construction companies and suppliers in Brazil.
• Brik An AI-powered ERP and management system focused on construction civil suppliers. Brik covers contract management, automatic measurements, payment funnels, budget control, split payments, accounts payable/receivable, financial health monitoring, and an integrated conversational AI assistant (Brik AI) that handles invoice issuance and daily task execution via natural language. For construction material and service suppliers in Brazil.

Quantifiable outcome

• +20,000 operations performed on the platform
• +7 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• SISBACEN, SPC, SERASAcoreTechnology or IntegrationBrazilian credit bureaus consulted for user verification, credit analysis, prevention of money laundering, and fraud prevention during onboarding and transaction processes.
• Public and Private Information DatabasescoreTechnology or IntegrationUsed for user authentication during contracting processes, credit analysis, registration updates, and fraud prevention.
• Cloud Computing ProviderscoreTechnology or IntegrationData storage infrastructure using cloud computing services located in Brazil and abroad, with appropriate protection measures for international data transfers.
• Financial Institutions (Banks)coreTechnology or IntegrationUsed for payment processing, bank account data collection, and fund transfers in receivables anticipation operations. Banks involved in debenture transactions for InvestBack program.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• TOTVS: TOTVS is the largest enterprise software company in Latin America, offering ERP, CRM, HR, and industry-specific suites including construction and project-based verticals. While not construction-specialized like Oneos, it competes for the same CIO/budget at mid-market and enterprise construction customers in Brazil.
• Procore: Procore is a leading global construction management platform covering project management, financials, and field collaboration. While Brazil-focused rather than global, Oneos competes with Procore for the same construction-company software wallet, particularly around contract, billing, and financial workflows.
• Linx (Stone Co.): Linx, acquired by Stone, provides ERP, POS, and payment solutions across multiple verticals in Brazil, including construction-related commerce workflows. It is a broad incumbent that competes for the same Brazilian SMB and enterprise software budget as Oneos, particularly for billing and receivables management.
• Trimble Viewpoint: Trimble Viewpoint is a global construction ERP and project management suite used by contractors and specialty trades, with financial, job-costing, and operational modules. It is a broad international incumbent whose construction-vertical ERP competes conceptually with Brik for enterprise construction customers.

Direct peers

• Omie: Omie is a Brazilian cloud ERP and financial management platform serving SMBs with accounting, billing, payables/receivables, and automation features. It competes with Brik's core financial-management functionality for Brazilian SMB customers, including construction-adjacent businesses.
• Sienge: Sienge is a leading ERP and management platform built specifically for the Brazilian construction and real estate development industry, covering budgeting, procurement, contracts, and project controls. It is the closest direct competitor to Oneos' Brik ERP for construction suppliers and builders, addressing the same vertical with overlapping modules.
• Conta Azul: Conta Azul is a Brazilian SaaS platform for SMB financial management, covering cash flow, billing, receivables, and bank reconciliation. It is a direct comparable to Brik for SMB construction suppliers seeking simpler financial-management tools, with overlapping receivables features.

Emerging players

• Kanastra: Kanastra is a Brazilian fintech providing receivables and credit infrastructure (including credit-as-a-service and structured credit operations) to financial institutions and platforms. It is an emerging competitor and potential infrastructure partner for Oneos' receivables anticipation product.
• Cobre: Cobre is a Colombian-Brazilian B2B digital banking platform offering accounts, payments, collections, and working-capital products to Latin American businesses. It is a regional emerging competitor in the receivables- and working-capital-for-SMBs space that Oneos Onepay addresses.
• Cora: Cora is a Brazilian digital business bank offering accounts, payments, receivables anticipation, and credit to SMBs. It overlaps with Oneos' Onepay receivables anticipation and credit capability for Brazilian SMEs, including construction suppliers, though without the construction-specific ERP layer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/oneos-oficial

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 ONEOS