Precatório Fácil

What Precatório Fácil does

Precatório Fácil is a São Paulo-based, digital-first intermediary that purchases Brazilian judicial credits (precatórios and Requisições de Pequeno Valor) from individual creditors against federal, state, municipal, and INSS debtors, paying the seller immediately via TED or Pix while it waits years for the government entity to honor the credit. It is a business unit of Grupo Terravista Capital, which provides the patient capital required to hold these long-duration assets. The company was built around transparency in a market historically opaque on pricing: a publicly disclosed simulator estimates the updated value of a precatório in roughly 90 seconds using a formula composed of debtor risk, a time-based discount, and an operational margin, with no registration required to run the calculation.

The core product surface covers standard precatórios (federal, municipal, INSS/previdenciário), RPVs, inheritance cases (herança / inventário), and rights of action (direitos de ação) acquired before the precatório itself is even issued. The operational stack combines a web-based self-serve simulator, WhatsApp and phone-assisted sales, an institutional lawyer referral program compliant with OAB ethical rules, and either in-person notary offices or Brazil's e-Notariado digital notary platform for contract signing — yielding an end-to-end cycle from simulator to payment of up to two business days after acceptance.

Revenue is generated exclusively through the discount spread (deságio) applied between the price paid to the creditor and the eventual face-value receipt from the government debtor. The company absorbs all tribunal habilitation and legal costs and charges no upfront fee to the seller. Customer segments are individual creditors (including heirs), with a secondary B2B2C channel through referring lawyers; the firm claims R$ 200M+ in cumulative judicial credits advanced and 1,000+ clients served across all 27 Brazilian states and the Federal District, supported by a 5.0-star Google Reviews rating. LGPD compliance, KYC/PEP screening, and a formal compliance program have been institutionalized as regulatory and trust infrastructure.

Name

Precatório Fácil

Legal name

Precatório Fácil

Website

https://precatoriofacil.com.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Precatório Fácil is a São Paulo-based digital intermediary, backed by Grupo Terravista Capital, that purchases Brazilian precatórios and RPVs from individual creditors at a transparent discount and pays them immediately via TED or Pix. It serves individuals and heirs across all 27 Brazilian states through a web simulator, WhatsApp sales, and an OAB-compliant lawyer referral program.

Ownership category

akta.pro rank

Product category

Judicial Credit Intermediation

NAICS

Collection Agencies (561440), Nondepository Credit Intermediation (5222)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC)

akta.pro secondary industry

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG)

Keywords

• Judicial credit acquisition
• Precatorio purchasing services
• Credit assignment brokerage
• Government debt intermediation
• Legal claim discounting

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Cessão de Crédito (Credit Assignment / Discount Purchase): The company purchases precatórios and RPVs from creditors at a discount (deságio) below face value. Revenue is generated as the difference between the purchase price paid to the creditor and the eventual receipt from the government entity (often years later). The discount is composed of three factors: (1) debtor risk, (2) time factor (discounted present value), and (3) operational margin. The company absorbs all tribunal habilitation costs and legal fees.
2. Lawyer Referral Program (Indicação Institucional): A partnership program where lawyers refer their clients who hold precatórios to Precatório Fácil. The company pays a commission to the referring lawyer per completed transaction, in compliance with OAB ethical rules. The company conducts negotiations directly with the client, not through the referring lawyer.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Precatório Fácil purchases judicial credits (precatórios and Requisições de Pequeno Valor / RPVs) from individual creditors at a discount (deságio) below face value, providing immediate cash payment via TED or Pix in up to 2 business days. The company acquires credits against federal, state, municipal, and INSS debtors across all 27 Brazilian states, handling legal analysis, tribunal habilitation, documentation, and contract execution (in-person or via e-Notariado).

Product overview

Precatório Fácil é uma plataforma de intermediação de créditos judiciais contra o poder público, oferecendo serviços para análise e aquisição de precatórios e RPVs. O portfólio principal inclui: o Simulador (calculadora pública para estimativa de valor), Precatório Federal, Precatório Municipal, Precatório INSS/Previdenciário, Precatório de Herança, RPV, e Direitos de Ação. A operação combina conteúdo educacional (blog e guias), ferramenta de simulação sem compromisso, e serviço completo de cessão de crédito com análise jurídica, formalização em cartório ou e-Notariado, e pagamento à vista em até 2 dias úteis após assinatura. A empresa atende todo o Brasil com cobertura em todos os 27 estados.

Differentiator

Problem solved

Functional benefit

Products and services

• Simulador (Calculadora de Precatório) Public web-based tool that estimates the updated value of a precatório and a net liquidation range using a publicly documented formula incorporating debtor risk, time factor (discounted present value), and operational margin. Available to any Brazilian citizen with a precatório or RPV without registration.
• Precatório Federal Service for analysis and acquisition of precatórios issued against the União (federal government) and federal autarquies such as INSS, IBAMA, and federal universities. Includes individualized legal analysis and acquisition at a discount, with payment via TED or Pix in up to 2 business days.
• Precatório Municipal Specialized service for municipal precatórios with individualized legal analysis of each debtor municipality, covering municipalities across all Brazilian states without requiring prior payment from the creditor.
• Precatório INSS (Previdenciário) Advance purchase of previdenciário (social security) precatórios of alimentary nature, covering reviewed benefits, retirements, and pensions. Includes free legal analysis of the case.
• Precatório de Herança Complete service for heirs who inherited precatórios as part of an estate (espólio). Includes legal support, inventário analysis, guidance on succession documentation including judicial authorization (alvará), and service across all Brazilian states.
• RPV (Requisição de Pequeno Valor) Acquisition of Requisições de Pequeno Valor (RPVs) — small-value judicial payment orders against government entities that have a constitutionally shorter deadline than precatórios, with dedicated analysis.
• Direitos de Ação Analysis and advance purchase of federal and estadual rights of action (direitos de ação) before the precatório itself is issued, allowing creditors to monetize litigation rights at earlier stages.
• Intermediação de Cessão de Crédito Formalized credit assignment intermediation service including complete legal analysis, public deed or private instrument, habilitation before the tribunal, and upfront payment via TED or Pix within up to 2 business days after signing. Absorbs all tribunal habilitation costs and legal fees.

Quantifiable outcome

• Payment within 2 business days after contract signing
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 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 and minor.

• Terravista CapitalcoreStrategic or Co-development PartnerPrecatório Fácil is a business unit of the Terravista Capital group. Terravista Capital provides the financial capital, operational infrastructure, and management expertise (including CEO Rogério Camargo and economist Matheus Gerolamo) that enable Precatório Fácil to acquire precatórios and hold them until government repayment. The relationship is described as the parent company/group structure of the business.
• Law Firms and Individual Lawyers (Institutional Partnership Program)minorChannel Partner/ Reseller/ DistributorA lawyer partnership program where attorneys in good standing with the OAB refer their clients who hold precatórios or RPVs to Precatório Fácil. Lawyers receive commission per completed transaction. The program operates under OAB ethical rules, with remuneration structured as institutional referral income. The company handles the client relationship and negotiation directly.
• Notary Offices (Cartórios / Tabelionatos)minorImplementation/ SI/ Consulting PartnerNotary offices (cartórios) are used for the mandatory public deed (escritura pública) or recognized private instrument required to formalize the credit assignment. The company also supports digital signatures via the e-Notariado platform as an alternative to in-person notary visits.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cessionária Online: Brazilian online platform dedicated to precatório and judicial credit assignment, using digital acquisition channels. Closely comparable digital-first model targeting individual sellers of judicial credits.
• Facta: Brazilian non-bank financial institution active in precatórios, RPVs and consumer credit. Directly competes for the same judicial-credit sellers with similar discounting and immediate-payment value proposition.
• Precatórios Certo: Brazilian specialist in precatório acquisition with digital customer-acquisition funnels. Directly comparable in target customer (individual creditors), asset class (precatórios/RPVs), and discount-purchase revenue model.
• Gam Crédito (Grupo Águia de Mercado): Brazilian financial group focused on acquisition of judicial credits (precatórios and RPVs) at discount. Operates in the same niche with similar cessão de crédito revenue mechanics and government-debtor exposure.
• Leros: One of Brazil's largest dedicated precatório and judicial-credit purchasers, with nationwide coverage and institutional capital backing. Directly comparable to Precatório Fácil in target customer, credit type, and purchase-discount business model.
• NDR (Nacional de Recebíveis): Brazilian receivables and judicial-credit buyer with a focus on precatórios and similar court-ordered government payment instruments. Comparable target customer, asset class, and discount-based revenue model.
• Capital Cash: Brazilian firm purchasing judicial credits including precatórios and RPVs. Directly comparable business model — buying court-ordered government receivables at a discount and collecting from the debtor entity over time.

Broad incumbents

• PRA Group: Large US-listed debt buyer acquiring portfolios of defaulted consumer receivables. Comparable business model and capital-intensity profile; serves as a public-market proxy for the receivables-buying model.
• Encore Capital Group: US-listed global leader in charged-off receivables purchasing. Comparable core business model (buy receivables at discount, recover over time), though operating in consumer debt rather than government judicial credits.
• Triton (Asset Manager): European alternative asset manager with significant experience investing in non-performing loan portfolios and distressed receivables. Comparable capital deployment model into long-duration recovery assets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/precat%C3%B3rio-f%C3%A1cil

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Precatório Fácil