Grupo Brasfor

What Grupo Brasfor does

Grupo Brasfor is a privately held Brazilian financial services group founded in 2005 and headquartered in Porto Alegre, Rio Grande do Sul, with an additional office in São Paulo established in 2021. The group operates a vertically integrated stack of credit and receivables solutions aimed primarily at small and medium businesses (SMBs), including anticipation of receivables, pre-printed boletos, Cédulas de Crédito Bancário (CCB), Nota Comercial, Domicílio Bancário, Duplicata Domicílio, and Brasfor Fornecedor supplier financing. The product set is enabled by a proprietary client portal called GestorTI, used by clients to manage their accounts and operations online. Underlying the offering is a network of wholly-owned operating subsidiaries: Brasfor Securitizadora S.A. (securitization, 2010), Brasfor Cobrança e Análise de Crédito Ltda (credit collection and analysis, 2010), We Cobrança e Análise de Crédito Ltda SP (2021), Brasfor Participações S.A. (strategic investment holding, 2018), and two Fixed Income Credit Rights Investment Funds — Brasfor I FIDC Multissetorial (2014) and Brasfor II Fundo Aberto (2022).

The group generates revenue through a mix of transaction-based fees (anticipation of receivables, CCB issuance, Nota Comercial), professional services fees (securitization structuring via Brasfor Securitizadora), and managed services/management fees from its two FIDC funds. Pricing is quote-based and negotiated per client; the company highlights IOF-exempt operations and competitive rates as key selling points, but no public pricing tiers are disclosed. Go-to-market is B2B sales-led with direct outreach through the corporate website, phone, WhatsApp, email, and relationship-based selling, complemented by organic social presence on LinkedIn, Instagram, and Facebook. The group is LGPD-compliant (since 2020) and emphasizes its compliance framework as part of its value proposition. Ownership is concentrated among founders/management with no disclosed institutional investors, no external funding rounds, and no public market listing.

The group does not publish revenue, headcount, AUM, or transaction volume figures; all available scale signals are qualitative ("nearly 20 years in the market," "two active FIDCs," "growth in recent years" per corporate website).

Name

Grupo Brasfor

Legal name

Brasfor

Website

https://grupobrasfor.com.br

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Grupo Brasfor is a privately held Brazilian financial services group, founded in 2005 and headquartered in Porto Alegre, that provides receivables anticipation, credit instruments (CCB, Nota Comercial), securitization, supplier financing, and FIDC fund management primarily to small and medium businesses in Brazil.

Ownership category

akta.pro rank

Product category

Commercial Lending and Receivables Financing

NAICS

Collection Agencies (561440), Collection Agencies (56144), Sales Financing (52222)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Specialty Consumer Loan Servicing & Collections (Subprime) (FSAKAOAJ), Third-Party Collection Agencies (Consumer) (FSAKAJAB)

Keywords

• Receivables anticipation
• Credit instruments
• Securitization services
• FIDC fund management
• Supplier financing

Headquarters

HQ city

Porto Alegre

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Anticipation of Receivables: Transaction-based fees for advancing funds against future receivables. Operations are IOF-exempt, and the company charges competitive rates for these financial transactions.
2. Securitization Services: Revenue from structuring and managing securitization operations through Brasfor Securitizadora S.A.
3. Credit Instruments (CCB, Nota Comercial): Issuance fees and interest from credit instruments including Cédulas de Créditos Bancários and Nota Comercial with flexible terms and long-term liquidation.
4. FIDC Fund Management: Management fees from operating two Fundos de Investimento em Direitos Creditórios (Brasfor I FIDC Multissetorial and Brasfor II Fundo Aberto), maximizing returns for investors.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Grupo Brasfor is a Brazilian financial services group providing credit and receivables solutions to businesses. The company offers anticipation of receivables, credit instruments (CCB and Nota Comercial), bank domicile services, customized billing solutions, supplier financing programs, securitization services, and credit rights investment fund management through two FIDC funds. Services are tailored to client needs with competitive rates and IOF-exempt operations for qualifying transactions.

Product overview

Grupo Brasfor is a Brazilian financial services group offering a comprehensive portfolio of credit and receivables solutions. The core offering consists of seven main financial products: Antecipação de Recebíveis, Boleto Pré-impresso, CCB, Domicílio Bancário, Nota Comercial, Duplicata Domicílio, and Brasfor Fornecedor. These products work together to provide end-to-end financial solutions from accounts receivable anticipation to supplier financing. The group operates through multiple subsidiaries including securitization, credit analysis, and investment fund management companies, managing two Fixed Income Credit Rights Investment Funds (FIDC Multissetorial and FIDC II).

Differentiator

Problem solved

Functional benefit

Brands

• Brasfor I FIDC Multissetorial: First Receivable Investment Fund (FIDC) launched by the group in 2014, allowing investment in a diversified set of credit rights.
• Brasfor II Fundo Aberto

Products and services

• Antecipação de Recebíveis Financial solution enabling businesses to anticipate their receivables with competitive rates, IOF-exempt operations, and personalized tickets, transforming installment sales into immediate cash flow. Designed for businesses seeking cash flow optimization.
• Boleto Pré-impresso Anticipation of duplicates with pre-printed tickets, designed to synchronize invoices and deliveries, providing a practical, simple, and effective solution for businesses managing their billing.
• CCB (Cédulas de Créditos Bancários) Bank credit notes issued with real and/or fidejussory guarantees, offering immediate solutions with long-term settlement to improve financial management with flexibility. Targeted at businesses needing structured credit instruments.
• Nota Comercial Alternative to CCB with IOF exemption advantage, facilitating credit operations between companies with flexible terms and efficient solutions for inter-company financing.
• Domicílio Bancário Service facilitating receipts without tickets, with direct credit to the contracted company's account, featuring centralized and agile operations with reduced costs.
• Duplicata Domicílio Customized ticket service allowing businesses to create exclusive tickets with their own brand for personalized collection.
• Brasfor Fornecedor Supplier management solution in partnership that facilitates advances and improves commercial conditions, ensuring efficiency in the production chain with extended terms and IOF-exempt operations.
• Brasfor I FIDC Multissetorial First Receivable Investment Fund (FIDC Multissetorial) launched by the group, allowing investment in a diversified set of credit rights. Targeted at investors seeking solid, transparent credit solutions.
• Brasfor II Fundo Aberto Second Receivable Investment Fund (FIDC Fundo Aberto) launched by the group. Targeted at investors seeking returns through managed credit rights funds.
• Securitization Services (Brasfor Securitizadora S.A.) Securitization services through Brasfor Securitizadora S.A., structuring and managing securitization operations. Targeted at businesses needing securitization solutions.

Quantifiable outcome

• IOF-exempt operations available for qualifying transactions

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• We Cobrança e Análise de Crédito LtdacoreOthersSubsidiary entity established in São Paulo (2021) as part of Brasfor's expansion strategy. Integrates collection and credit analysis operations, providing comprehensive support to clients across different regions of Brazil.

Scale indicators2 records

Recent moves13 records

Expansion highlights5 records

Broad incumbents

• Banco Sofisa: Brazilian commercial bank focused on SME and corporate lending, including receivables-backed credit. Comparable as a broader incumbent competing in the same SME credit market Brasfor addresses.
• Banco Pan: Brazilian bank with consumer and SMB credit, vehicle financing, and payroll lending. Comparable as a broader incumbent in the SMB credit market.
• Banco Inter: Large Brazilian digital bank with SMB and corporate credit offerings. Comparable as a broad incumbent using technology to compete for SME working-capital business.
• Crefisa: Brazilian consumer and SMB credit lender with broad distribution. Comparable as a broader credit incumbent operating in overlapping Brazilian credit segments.

Emerging players

• C6 Bank: Brazilian digital bank serving individuals and SMEs with technology-driven credit products. Comparable as an emerging, technology-enabled competitor in Brazilian SMB finance.
• Geru: Brazilian fintech focused on SMB and personal credit using digital underwriting. Comparable as an emerging technology-enabled player competing in Brazilian SME credit.

Direct peers

• Facta Financeira: Brazilian financial institution focused on receivables anticipation, CCBs, and credit instruments for SMEs. Directly comparable to Brasfor's core Antecipação de Recebíveis and CCB product lines.
• PinBR Partners: Brazilian receivables and credit rights investment platform operating in the FIDC ecosystem. Comparable to Brasfor's FIDC fund management and credit rights origination activities.
• Listo (formerly Banco BrasilSol): Brazilian fintech specializing in receivables and working-capital solutions for SMEs. Comparable business model and customer base to Brasfor's receivables anticipation and Domicílio Bancário products.
• Pentágono Securitizadora: Brazilian securitization company structuring and managing credit rights and FIDCs. Directly comparable to Brasfor Securitizadora S.A. and to the group's FIDC fund management operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xinstagram.com/grupobrasfor
• Facebookfacebook.com/Grupo-Brasfor-110412128307380
• LinkedInlinkedin.com/company/grupo-brasfor
• Instagraminstagram.com/grupobrasfor

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries6 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 Grupo Brasfor