BRASILFACTORS

What BRASILFACTORS does

BRASILFACTORS S.A. is a Brazilian financial services firm founded in 2011 as an equally owned 50/50 joint venture between Bank of China (Brasil) Banco Múltiplo S/A and FIMFactors B.V. (part of the Malta-based FIMBank Group). The company is headquartered in São Paulo and operates with a lean team of 11-50 employees. It provides factoring and trade-finance services to Middle Market and Corporate segment companies in Brazil, with a particular emphasis on clients engaged in Sino-Brazilian commercial transactions. The firm serves both as a domestic Brazilian receivables financier and as a gateway for cross-border trade finance through FIMBank's international network.

The company's core product offering is organized around Factoring Internacional (cross-border export/import factoring), supplemented by four primary service modules: Antecipar Recebíveis (receivables anticipation), Controlar Riscos (credit risk analysis and assumption), Assegurar Fornecimentos (production support), and FIDC Brasilfactors (a Fundo de Investimento em Direitos Creditórios operating under CVM supervision for domestic receivables). Add-on products include Capital de Giro (working capital financing) and Fomento à Produção / Cadeia de Fornecedores (supply chain financing). The underlying technology is the regulated FIDC structure under CVM oversight, combined with a structured onboarding workflow covering credit analysis, cedente and sacado credit-limit approval, and document review. Distribution runs through a corporate website, an authenticated client portal hosted at gercloud.rgbsys.com.br, and mid-funnel referrals from the Bank of China and FIMBank client networks.

BRASILFACTORS generates revenue primarily through transaction-fee economics: discounts applied to receivables purchased, credit risk coverage fees on portfolios, and fees on international factoring and trade-finance transactions. Pricing is not publicly disclosed and is negotiated individually based on credit analysis and client-specific risk. The company does not publish revenue figures, funding rounds, or headcount growth metrics. Customer segments are horizontally defined (Middle Market and Corporate companies rather than by industry vertical), with no named end-customer logos disclosed in the available source material. Strategic positioning rests on combining two-bank capital backing, CVM-regulated FIDC infrastructure, and access to parent-network client flows tied to the ~$90 billion (2019) Sino-Brazilian trade corridor.

Name

BRASILFACTORS

Legal name

BRASILFACTORS S.A.

Website

http://www.brasilfactors.com.br

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

BRASILFACTORS S.A. is a São Paulo–based financial services firm founded in 2011 as a 50/50 joint venture between Bank of China Brasil and FIMBank, providing factoring, receivables anticipation, credit risk management, and cross-border trade finance to Middle Market and Corporate clients engaged in Sino-Brazilian commerce.

Ownership category

akta.pro rank

Product category

Receivables Financing and Trade Finance

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

akta.pro secondary industry

Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

Keywords

• Receivables financing
• International factoring
• Trade finance services
• Credit rights fund
• Working capital financing

Headquarters

HQ city

San Pablo

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring and Receivables Services: Revenue generated through accounts receivable anticipation fees, credit risk coverage services, and working capital financing. The company offers operations with and without recourse rights (direito de regresso), capital de giro, and production support/fomento à produção.
2. Trade Finance Services: International factoring services for export and import operations, including external market advisory and collection services.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

BRASILFACTORS S.A. provides receivables financing, international factoring, and supply chain finance to Brazilian companies engaged in domestic and Sino-Brazilian trade. Its core offerings include the Factoring Internacional service for export and import operations, receivables anticipation (Antecipar Recebíveis), credit risk analysis and coverage (Controlar Riscos), production support and supplier financing (Assegurar Fornecimentos), and the FIDC Brasilfactors credit rights investment fund operating under CVM supervision.

Product overview

BRASILFACTORS offers a unified factoring platform built around international trade finance operations. The core offering centers on Factoring Internacional for export and import transactions, supplemented by three primary service modules: Antecipar Recebíveis (receivables anticipation), Controlar Riscos (credit risk management), and Assegurar Fornecimentos (production support). The company operates domestically through its FIDC Brasilfactors (Credit Rights Investment Fund) under CVM supervision. Additional financing products include Capital de Giro (working capital) and Fomento à Produção / Cadeia de Fornecedores (supply chain financing). The platform also provides ancillary services including credit analysis, treasury and collection services, credit risk coverage, financial structuring, and external market advisory.

Differentiator

Problem solved

Functional benefit

Brands

• FIDC Brasilfactors: A fundo de investimento em direito creditórios (FIDC) operated under CVM supervision for domestic Brazilian market operations, providing receivables anticipation with and without recourse rights.

Products and services

• Factoring Internacional International factoring service for export and import operations, providing cross-border trade finance solutions for Brazilian companies engaged in international trade. Includes external market advisory and offshore collection services.
• Antecipar Recebíveis Receivables anticipation service that transforms credit sales into immediately available cash for the company, optimizing working capital to increase sales volume.
• Assegurar Fornecimentos Production support solutions that ensure the purchase of raw materials for new business opportunities, providing supply chain financing for client production needs.
• Controlar Riscos Credit risk analysis and management service that evaluates and assumes credit risks on behalf of clients, enabling efficient portfolio management and business development.
• FIDC Brasilfactors Fundo de Investimento em Direitos Creditórios (Credit Rights Investment Fund) operating domestically under CVM supervision, providing transparent and secure receivables anticipation operations with and without recourse rights.

Quantifiable outcome

• Agility in fund disbursement for approved receivables
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Interfactor: Interfactor is a leading independent receivables-factoring company in Brazil offering domestic and some cross-border factoring to mid-market clients. It directly competes with BRASILFACTORS' domestic FIDC book and targets the same cedente and sacado segments.
• Banco Fibra: Banco Fibra is a Brazilian commercial bank historically focused on receivables and working-capital solutions for mid-market companies. It competes directly with BRASILFACTORS on domestic receivables finance and credit-risk coverage products.
• Banco BS2: Banco BS2 (formerly Banco Sofisa Direto) is a Brazilian mid-market bank with a strong receivables and factoring book. It overlaps with BRASILFACTORS in serving middle-market cedentes and competing for FIDC-style business.
• ICBC Brasil: ICBC Brasil is the Brazilian subsidiary of Industrial and Commercial Bank of China, focused on trade finance and corporate banking with strong ties to Chinese-Brazilian trade flows. It directly competes with BRASILFACTORS for Sino-Brazilian receivables and trade-finance mandates.

Broad incumbents

• FIMBank: FIMBank is the Malta-based parent of FIMFactors B.V. and one of BRASILFACTORS' 50% shareholders. As a global trade-finance and factoring reference operating in Egypt, India, Dubai, Malta, Greece, and Brazil, it competes with BRASILFACTORS in adjacent markets and shared corridors.
• Bank of China (Brasil) Banco Múltiplo: Bank of China Brasil is BRASILFACTORS' other 50% shareholder and the largest Chinese bank in Brazil, offering a full commercial-banking suite including trade finance. It competes with BRASILFACTORS in the larger corporate segment while also feeding the JV receivables.
• Itaú Unibanco: Itaú Unibanco is Brazil's largest private bank, offering factoring, receivables anticipation, working-capital lines, and trade finance to corporates of all sizes. It competes with BRASILFACTORS across the entire receivables-finance stack from a far larger balance-sheet base.
• Bradesco: Bradesco is one of Brazil's largest banks, with a sizeable corporate-banking and trade-finance franchise that includes receivables-factoring products. It competes with BRASILFACTORS for mid-market and corporate cedentes and for cross-border mandates.
• Banco do Brasil: Banco do Brasil is Brazil's leading state bank, dominant in corporate lending, trade finance, and agribusiness receivables. It overlaps with BRASILFACTORS in receivables financing for exporters and large cedentes and competes on cross-border trade finance.

Emerging players

• Bibby Financial Services: Bibby Financial Services is a global invoice-finance and factoring specialist operating across multiple regions. While not present in Brazil at scale, it is a comparable international factoring peer that competes with the FIMBank network for two-factor cross-border deals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/brasilfactors

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 BRASILFACTORS