What OP Capital does

OP Capital is a privately held Brazilian financial services group headquartered in Maringá, Paraná, founded in 2006/2007 with 18+ years of operating history. The group operates through three wholly-owned entities — Opercred Consultoria & Cobrança Ltda (credit consulting and servicing), OPSEC Securitizadora de Créditos S/A (securitization), and OPINVEST Fundo de Investimento em Direitos Creditórios (a regulated credit rights investment fund) — supported by the OP Nexus digital account ecosystem and the OP Invest investor platform. The company targets Brazilian SMEs and MEI micro-entrepreneurs with cash flow timing problems, offering accounts receivable anticipation, future cash flow acceleration, working capital with real-asset guarantees, escrow accounts, MEI microcredit, and credit analysis services. Pricing is dynamic, dependent on credit analysis, with disclosed reference points including a R$ 90 fixed tariff per anticipation operation and working capital interest rates starting from 1.7% per month.

The core technology is a digital platform that enables online submission of receivables anticipation proposals, automated simulation (including a receivables anticipation simulator and a Working Capital Need calculator), credit analysis, and digital signature of cessão de créditos documents, with D+0 fund deposit upon approval. The OPINVEST MZ-2 FIDC, initiated in November 2024 and administered by Azumi DTVM, packages internally originated credit rights for distribution to individual and institutional investors, with reported performance of 127.60% of CDI and accumulated 12-month returns of 17.71% as of January 2026.

The go-to-market is hybrid: a digital self-serve platform combined with a WhatsApp-led inside sales motion (multiple dedicated lines for general, commercial, and OP Invest contacts) and a specialist sales team for larger transactions. Distribution is exclusively domestic (Brazil), with partnerships across the Brazilian financial ecosystem including Bradesco, Itaú, Sicoob, Serasa, Certifica, RGB SYS, and Azumi DTVM. The company claims more than R$ 1 billion in cumulative financial operations processed, holds 27 Google reviews with an 'Excelente' rating, and operates under LGPD-compliant data protection. No external institutional investors or private equity backers are disclosed.

Name

OP Capital

Legal name

OPSEC SECURITIZADORA DE CRÉDITOS S/A

Website

https://op.capital

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

OP Capital is a privately held Brazilian financial services group in Maringá that provides receivables anticipation, working capital, credit analysis, escrow, and MEI microcredit to domestic SMEs, with a closed-loop ecosystem spanning securitization, consulting, and a CVM-regulated credit rights investment fund (OPINVEST MZ-2 FIDC).

Ownership category

akta.pro rank

Product category

Receivables Factoring & Working Capital

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Short-Term Business Credit Institutions (6153), Asset-Backed Securities (6189)

akta.pro primary industry

Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

Keywords

• Accounts receivable factoring
• Working capital solutions
• Credit risk analysis
• Receivables anticipation
• MEI microcredit

Headquarters

HQ city

Maringá

HQ country

Brazil

HQ region

Latin America

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. Accounts Receivable Anticipation Fees: Revenue generated from discount rates (taxa de deságio) applied on the nominal value of anticipated receivables (duplicatas, cheques), plus ad valorem fees and fixed tariffs. This is the primary revenue stream.
2. Credit Analysis Services: Fees charged for creditworthiness evaluation of businesses and individuals, involving collection of payment history, debt records, income, and credit scores. Used internally for own operations and offered as a service.
3. Future Cash Flow Anticipation: Revenue from advancing projected future revenues based on financial projections and business history. Includes negotiated discount rates based on risk assessment of projected assets.
4. Escrow Account Services: Fees for maintaining and managing Escrow (Contas Escrow) accounts for businesses, providing secure fund custody and settlement services.
5. Working Capital with Real Asset Guarantee: Revenue from structuring and managing secured working capital loans backed by real assets (vehicles, real estate, inventory, machinery) through fiduciary alienation (alienação fiduciária).
6. OPINVEST FIDC Management and Advisory: Revenue from managing and providing consultancy services to the OPINVEST Fundo de Investimento em Direitos Creditórios (FIDC), which invests in credit rights from the company's operations. The fund is structured through the Azumi DTVM administrator.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

OP Capital designs and structures financial solutions including accounts receivable anticipation (duplicatas and cheques), future cash flow acceleration, working capital funding with real asset guarantees (vehicles, real estate, inventory, machinery) via fiduciary alienation, credit analysis for businesses and individuals, escrow account services, and MEI microcredit. The company operates a digital proposal submission platform with same-day (D+0) settlement and connects investors to credit operations through the OPINVEST MZ-2 FIDC fund managed in partnership with Azumi DTVM.

Product overview

OP Capital is a financial solutions design company operating primarily in Brazil, offering a portfolio of credit and investment products. The core offering centers on accounts receivable anticipation services (Antecipação de Recebíveis) and related credit solutions. The product suite includes: Antecipação de Recebíveis (core product for receiving installment sales immediately), Antecipação de Fluxo Futuro (future cash flow acceleration), Análise de Crédito (credit risk evaluation), Capital de Giro (working capital with real guarantees), Conta Escrow (escrow account services), and Microcrédito MEI (microcredit for individual entrepreneurs). The ecosystem extends to OP Nexus (digital account for collections and operations management) and OP Invest/OPINVEST FIDC (investment platform connecting investors to structured credit operations). OP Capital does not directly lend money but structures and originates credit operations through partners authorized by BACEN.

Differentiator

Problem solved

Functional benefit

Brands

• OP Nexus: Conta digital do ecossistema OP, criada para apoiar a gestão de cobranças e facilitar a operacionalização das operações de capital de giro e antecipação de recebíveis.
• OP Invest
• OP Securitizadora

Products and services

• Antecipação de Recebíveis (Accounts Receivable Anticipation)

Quantifiable outcome

• Over R$ 1 billion in financial operations processed
• +2 more outcomes

Named customers6 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

Feature6 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• BradescominorGTM or Marketing PartnerBradesco is listed as a partner logo on the OP Capital website, indicating a commercial or integration relationship within the Brazilian financial ecosystem.
• ItaúminorGTM or Marketing PartnerItaú is listed as a partner logo on the OP Capital website, indicating a commercial or integration relationship within the Brazilian financial ecosystem.
• SicoobminorGTM or Marketing PartnerSicoob is listed as a partner logo on the OP Capital website, indicating a commercial or integration relationship within the Brazilian cooperative banking ecosystem.
• SerasacoreTechnology or IntegrationSerasa is a leading Brazilian credit bureau and is listed as a key technology partner. OP Capital integrates with Serasa for credit analysis, credit score data, and payment history checks to assess the risk of borrowers.
• CertificacoreTechnology or IntegrationCertifica is listed as a partner for digital certificate issuance. OP Capital has a partnership for e-CPF and e-CNPJ digital certificate issuance with exclusive discounts, supporting their digital-first operations.
• Azumi DTVMcoreChannel Partner/ Reseller/ DistributorAzumi DTVM serves as the administrator and custodian for the OPINVEST MZ-2 FIDC, managing fund operations, investor quota records, and CVM compliance. OP Capital's investment arm relies on Azumi's regulatory infrastructure.
• OP Nexus (Digital Account Ecosystem)coreStrategic or Co-development PartnerOP Nexus is the digital account component of the OP ecosystem, created to support collection management and facilitate the operationalization of working capital and receivables anticipation operations. It is an internally developed platform within the OP Group.
• Opercred Consultoria & CobrançacoreStrategic or Co-development PartnerOpercred Consultoria & Cobrança is the specialized consulting arm of the OP Group, responsible for analysis, structuring, monitoring, and management of credit operations for the OPINVEST FIDC.
• OPSEC Securitizadora de Créditos S/AcoreStrategic or Co-development PartnerOPSEC is the securitization entity within the OP Group, responsible for structuring tailor-made securitization operations, expanding funding alternatives, and organizing credit portfolios for the FIDC.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Galápagos Capital: Brazilian credit investment platform that structures and distributes receivables-backed investment products - comparable to OP Capital's OPSEC/OPINVEST securitization and FIDC management model serving SME borrowers.
• Listo: Brazilian receivables anticipation platform targeting SMEs with digital factoring flows - direct competitor offering similar working capital acceleration products to the same SME customer base.
• Bossa Nova Investimentos: Brazilian asset manager specialized in FIDC and credit rights investment funds - direct comparison to OP Capital's OPINVEST FIDC management business, operating in the same Brazilian credit-investment ecosystem.
• a55: Brazilian fintech platform providing receivables-based financing and working capital to SMEs through a digital-first experience - direct competitor in receivables anticipation with similar product offering and digital GTM.
• Banco Pine: Brazilian commercial bank focused on corporate and SME lending, including receivables anticipation and working capital solutions - directly competing with OP Capital's core factoring/credit offering for the same Brazilian SME customer base.
• Paraná Banco: Brazilian bank headquartered in Parana (same state as OP Capital) focused on SME credit, factoring, and working capital products - directly comparable geography, customer segment, and product mix.
• Rodobens: Brazilian financial services group providing factoring, credit, and receivables anticipation services to SMEs - comparable business model and target customer segment with similar operational footprint in Brazil.

Emerging players

• Geru: Brazilian digital lending platform serving consumers and small businesses with credit products - adjacent competitor in the Brazilian SME/consumer credit market with some overlap on small-ticket working capital.
• QI Tech: Brazilian fintech providing credit infrastructure including embedded credit and receivables - adjacent competitor with broader technology platform serving multiple lenders, partially overlapping with OP Capital's origination and structuring activity.

Broad incumbents

• Banco Inter: Brazilian digital bank offering a broad suite including SME credit, working capital, and receivables services - much larger incumbent competing across OP Capital's entire product range with vastly greater capital base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/grupoopmga
• Instagraminstagram.com/op.capital

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 OP Capital