Vector FIDC
Vector FIDC is a privately held Brazilian credit rights investment fund founded in 1999 that provides B2B receivables anticipation, raw material financing, structured credit, and nautical financing exclusively to medium and large enterprises, primarily across the Northeast region with national expansion to 19 states.
- Company typePrivate
- Founded1999
- HeadquartersMaceió, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingServices
Vector FIDC firmographics
Firmographics- Name
- Vector FIDC
- Legal name
- Vector FIDC (Vector Fundo de Investimento em Direitos Creditórios Multissetorial)
- Website
- https://vectorfidc.com.br
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Vector FIDC is a privately held Brazilian credit rights investment fund founded in 1999 that provides B2B receivables anticipation, raw material financing, structured credit, and nautical financing exclusively to medium and large enterprises, primarily across the Northeast region with national expansion to 19 states.
- Ownership category
- akta.pro rank
Vector FIDC industry classification
Industry- Product category
- Alternative Lending (Credit Rights Investment Fund)
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
Keywords
Where Vector FIDC is headquartered
LocationHeadquarters
- HQ city
- Maceió
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Vector FIDC business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Antecipação de Recebíveis: Revenue generated through the purchase and anticipation of receivables (duplicatas, cheques, notas fiscais) with a discount applied. Companies receive immediate cash while Vector earns the spread between the face value and the discounted amount paid.
- Financiamento de Matéria-Prima: Revenue from advancing funds for raw material purchases directly to suppliers. The company charges interest/fees on the advanced amount, with repayment structured through the client's future receivables.
- Operações Estruturadas: Customized structured credit operations with tailored guarantees including fiduciary alienation (alienação fiduciária), escrow accounts, and customized contract clauses. Revenue generated through interest rates and structuring fees on complex corporate transactions.
- Financiamento Náutico: Nautical financing for boats, jet skis, and pontoons through partner dealerships. Revenue generated from interest on loans with 20% down payment and up to 36 installments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Customized credit solutions with transparent rates |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Vector FIDC product offering
Product offeringCore offering
Vector FIDC operates as a Fundo de Investimento em Direitos Creditórios Multissetorial (Multisectoral Credit Rights Investment Fund) providing alternative credit solutions to medium and large enterprises in Brazil. The company purchases and anticipates receivables (invoices, checks, promissory notes), finances raw material purchases directly with suppliers, structures complex credit operations with customized guarantees such as fiduciary alienation and escrow accounts, and offers nautical financing for vessels through partner dealerships. Operations are concentrated in all nine Northeast Brazilian states with national expansion to 19 states.
Product overview
Vector FIDC offers a portfolio of four core financial solutions: Antecipação de Recebíveis (accounts receivable anticipation), Matéria-Prima (raw material financing), Operações Estruturadas (structured credit operations), and Financiamento Náutico (nautical financing). The company operates as a Fundo de Investimento em Direitos Creditórios (Investment Fund in Credit Rights) serving medium and large enterprises in Brazil's Northeast region and beyond, providing alternative credit solutions to traditional banking.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Same-day credit analysis and fund disbursement for receivables anticipation operations
- +2 more outcomes
Companies that use Vector FIDC
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Vector FIDC technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Vector FIDC partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered minor and core.
- HemeraminorStrategic partner featured in Vector FIDC's partner logos section. No specific partnership details provided regarding the nature of collaboration.
- TcronminorStrategic partner featured in Vector FIDC's partner logos section. No specific partnership details provided regarding the nature of collaboration.
- BMPminorStrategic partner featured in Vector FIDC's partner logos section. No specific partnership details provided regarding the nature of collaboration.
- Liberum RatingsminorCredit rating agency partner featured in Vector FIDC's partner logos section. Provides credit risk assessment services potentially related to FIDC operations and investor reporting.
- Ernani DesbeselminorProfessional services or consulting partner featured in Vector FIDC's partner logos section. No specific partnership details provided regarding the nature of collaboration.
- Sea DoocorePartner brand for nautical financing. Vector provides financing solutions for customers purchasing Sea Doo jet skis and watercraft through authorized dealerships.
- YamahacorePartner brand for nautical financing. Vector provides financing solutions for customers purchasing Yamaha boats and marine engines through authorized dealerships.
- NX BoatscorePartner brand for nautical financing. Vector provides financing solutions for NX Boats vessels through the dealer network.
- PhoenixcorePartner brand for nautical financing. Vector provides financing solutions for Phoenix boats through the dealer network.
- FockercorePartner brand for nautical financing. Vector provides financing solutions for Focker vessels through the dealer network.
- VCatcorePartner brand for nautical financing. Vector provides financing solutions for VCat vessels through the dealer network.
- Royal MarinercorePartner brand for nautical financing. Vector provides financing solutions for Royal Mariner vessels through the dealer network.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
Vector FIDC competitors and assessment
Company assessmentDirect peers
- EcoAgro: Brazilian agricultural FIDC and CRA platform connecting agribusiness borrowers with capital markets. Comparable to Vector FIDC as a sector-specialized FIDC structure, particularly relevant given Vector's agribusiness case study focus.
- Biva: Brazilian digital credit marketplace for small and medium businesses, offering working capital and receivables-backed financing. Comparable to Vector FIDC in serving the Brazilian corporate credit market with receivables-based products, though Biva targets smaller SMBs.
- Solfácil: Brazilian fintech operating via FIDC structure to finance distributed solar energy assets. Directly comparable as another Brazilian FIDC using receivables-backed structures to finance real economy assets, with similar regulatory and operating framework.
- Creditas: Brazilian digital consumer and corporate credit platform using asset-backed lending models including receivables and auto-collateralized credit. Directly comparable to Vector FIDC as a non-bank alternative credit provider targeting underserved borrowers with structured finance solutions.
Emerging players
- Geru: Brazilian fintech using alternative data for consumer credit scoring and personal loans. Comparable as an alternative credit provider using technology to serve underserved segments, though primarily consumer-focused versus Vector's B2B core.
Broad incumbents
- OMNI: Brazilian specialty finance company providing consumer and corporate credit solutions, including payroll-deductible loans. Broad incumbent in non-bank credit with overlapping working capital products targeting similar enterprise segments.
- Banco Pine: Brazilian commercial bank focused on corporate and SME lending with structured operations. Broad incumbent competing with Vector FIDC in the Brazilian corporate working capital and structured credit market.
- Banco BMG: Brazilian bank specializing in payroll-deductible credit and consumer/SME lending. Broad incumbent with overlapping credit products serving Brazilian enterprises and consumers.
- Banco Daycoval: Brazilian commercial bank offering working capital, receivables discounting (antecipação de recebíveis), and FX solutions. Directly competes with Vector FIDC on receivables anticipation and corporate credit products for Brazilian enterprises.
- Paraná Banco: Brazilian commercial bank offering working capital, receivables financing, and structured credit for SMEs. Broad incumbent competing with Vector FIDC in the Brazilian corporate credit and receivables anticipation market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Vector FIDC social profiles
Digital presenceVector FIDC financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vector FIDC leadership team
Management profileNumber of profiles
Profiles9 records
Vector FIDC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vector FIDC M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Vector FIDC
What does Vector FIDC do?
Vector FIDC operates as a Fundo de Investimento em Direitos Creditórios Multissetorial (Multisectoral Credit Rights Investment Fund) providing alternative credit solutions to medium and large enterprises in Brazil. The company purchases and anticipates receivables (invoices, checks, promissory notes), finances raw material purchases directly with suppliers, structures complex credit operations with customized guarantees such as fiduciary alienation and escrow accounts, and offers nautical financing for vessels through partner dealerships. Operations are concentrated in all nine Northeast Brazilian states with national expansion to 19 states.
Is Vector FIDC a public or private company?
Vector FIDC is a private company. It is classified as family owned and is currently operating.
When was Vector FIDC founded?
Vector FIDC was founded in 1999. It employs 1 to 10 people.
Where is Vector FIDC based?
Vector FIDC is headquartered in Maceió, Brazil, in the Latin America region.
How does Vector FIDC make money?
Four revenue lines are on record. Antecipação de Recebíveis are the primary driver. The others are financiamento de Matéria-Prima, operações Estruturadas and financiamento Náutico.
Who are Vector FIDC's main competitors?
Direct peers on record are EcoAgro, Biva, Solfácil and Creditas. Geru is listed as an emerging player. Broad incumbents are OMNI, Banco Pine, Banco BMG, Banco Daycoval and Paraná Banco.
Does Vector FIDC have an API?
No public API is recorded for Vector FIDC.
What industry is Vector FIDC in?
Vector FIDC's product category is Alternative Lending (Credit Rights Investment Fund). Its primary akta.pro industry code is FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing). Its NAICS code is 5222 and its SIC code is 6153.