Precatórios Brasil

What Precatórios Brasil does

Precatórios Brasil is a São Paulo–headquartered digital platform that purchases federal precatórios (court-ordered debts owed by the Brazilian government) from individual and corporate creditors at a discount, then collects the full face value when the government pays. The company operates as a subsidiary under BTG Pactual, Latin America's largest investment bank, which guarantees all transactions and provides capital, brand credibility, and distribution. Its core product is a self-service web platform (app.precatoriosbrasil.com) backed by inside-sales support via phone and WhatsApp, executing a five-step flow: creditor consultation by CPF/CNPJ or case number, personalized offer, digital contract signing, attorney-supervised document analysis with notarial signing within three business days, and payment within five business days.

The underlying technology is a lightweight digital workflow platform rather than a data or AI-driven system: it integrates with BTG Pactual's banking infrastructure for secure payment processing and uses attorney oversight for document verification. Pricing is quote-based and varies by precatório specification (type, expected payment timeline, government entity), with the discount rate (deságio) explicitly not published. High-value credits above R$10 million against the Federal Union are referred to specialized partners rather than handled directly.

The business model generates revenue from the spread between the discounted purchase price paid to creditors and the eventual government payout. Customer acquisition is digital-first and benefits from BTG Pactual's referral channels (btgpactual.com/precatorios-b2b and the bank's blog), with secondary acquisition via the company's own website, organic search, phone, and WhatsApp. The company is actively operating as of 2024, currently limited to federal precatórios, with publicly stated plans to expand into state and municipal precatórios.

Name

Precatórios Brasil

Legal name

Precatórios Brasil

Website

https://precatoriosbrasil.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Precatórios Brasil is a São Paulo–based digital platform, backed by BTG Pactual, that purchases federal court-ordered government debts (precatórios) from individual and corporate creditors at a discount and pays them within five business days.

Ownership category

akta.pro rank

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Precatorio Acquisition and Resale: Precatorios Brasil purchases precatorios from creditors at a discount (desagio) below face value, then collects the full amount when the government pays the precatorio. The spread between purchase price and eventual collection constitutes the revenue. The discount rate varies based on individual precatorio specifications.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Precatórios Brasil operates a digital platform that allows individual (CPF) and corporate (CNPJ) creditors to sell their federal precatórios (court-ordered debts owed by the Brazilian government) at a discount for immediate cash. The end-to-end flow covers online consultation by CPF/CNPJ or case number, personalized offer, digital contract signing, document analysis with attorney oversight and notarized signature, and payment deposited within five business days, with all transactions guaranteed by BTG Pactual.

Product overview

Precatórios Brasil operates as a single unified digital platform for the consulting and sale of court-ordered government debts (precatórios). The platform enables creditors to check their precatório status through CPF/CNPJ or case number, receive purchase offers, complete digital contract signing, and receive payment. The company specializes exclusively in federal precatórios, with plans to expand to state and municipal precatórios. The platform also facilitates referrals to partners for credit rights and larger transactions exceeding R$ 10 million against the Federal Union.

Differentiator

Problem solved

Functional benefit

Products and services

• Precatórios Brasil federal precatorio acquisition platform Digital service that enables individual (CPF) and corporate (CNPJ) creditors holding federal precatorios to sell those court-ordered government debts at a discount for immediate cash. Customers consult online, accept a personalized offer, sign a digital contract, complete notarization with attorney oversight, and receive payment within five business days, with all transactions guaranteed by BTG Pactual.

Quantifiable outcome

• Payment within 5 business days of offer acceptance
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• BTG Pactual: Parent company and largest investment bank in Latin America. BTG provides capital, brand, distribution, and guarantees that enable Precatórios Brasil; its broader credit and investment banking portfolio overlaps in the underlying precatórios market.
• Banco Votorantim: Brazilian commercial bank active in credit intermediation and structured finance. A broader incumbent with adjacent capabilities in nondepository credit and receivables financing comparable to Precatórios Brasil's discount-based model.
• Itaú Unibanco: Largest private bank in Brazil with diversified credit and investment activities touching judicial credit rights and government debt instruments. Broad incumbent whose precatório-related offerings overlap with Precatórios Brasil's market.
• Banco do Brasil: Major Brazilian state-owned bank that originates and services precatórios-related credit, including government debt purchase programs. A broader incumbent in the underlying asset class with overlapping B2B and institutional capabilities.

Direct peers

• Precatório Fácil: Brazilian online platform that buys precatórios from individual and corporate creditors. Directly competes in the federal precatório purchase market with similar digital consultation and offer generation.
• Ativos S.A. One of Brazil's largest purchasers of precatórios and judicial credit rights. Directly competes with Precatórios Brasil in acquiring federal precatórios at discount, with overlapping target customers and similar revenue model.
• Karvi: Brazilian fintech operating in the precatório and judicial credit rights space. Competes directly for federal precatório acquisition with a digital-first approach analogous to Precatórios Brasil.
• Z1 Precatórios: Brazilian digital platform specialized in buying and selling precatórios. Competes directly with Precatórios Brasil for individual and corporate creditors in the federal precatório market with a similar transaction-based model.

Emerging players

• Creditas: Brazilian digital lender that purchases receivables and credit rights, including private-payroll and auto loans. An emerging player whose asset-purchase model and digital intermediation philosophy are analogous to Precatórios Brasil's approach to illiquid credits.
• Fidus Invest: Brazilian fintech platform focused on alternative credit and receivables, including judicial credits. An emerging player with partial overlap in helping individuals and businesses monetize illiquid credit rights similar to precatórios.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/precatorios-brasil

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 Precatórios Brasil