Cdl Florianopolis

What Cdl Florianopolis does

CDL Florianópolis (Câmara de Dirigentes Lojistas de Florianópolis) is a private non-profit civil association founded on July 28, 1960, as the first CDL constituted in the State of Santa Catarina. It represents and serves more than 3,000 member businesses — primarily SMB retailers, micro-entrepreneurs, and service providers in Florianópolis — through a chamber-of-commerce model centered on collective representation, business support, and access to a portfolio of operational services. The association holds Municipal (Lei 890/68) and State (Lei 13.635/2005) Public Utility recognition, and operates under the 2025/2026 presidency of Eduardo Koerich.

The association's product portfolio comprises SPC Brasil (credit-bureau checks and debtor information via sistema.spc.org.br), Certificado Digital (e-CNPJ / e-CPF issuance with in-person validation), CDL Vagas (job board for member businesses), Linhas de Crédito (credit-line facilitation through Sicredi — up to R$200,000 at 0.64%+CDI/month for 84 months — and Banco do Empreendedor — micro-credit up to R$20,000 at 3.95%/month), CDL Club (member discount program with 40+ partner establishments across education, health, commerce, food and services), Capacitações (professional training), and Saúde e Bem Estar (health/wellness plans). These services are operated as standalone offerings, not an integrated platform; technology stack is not proprietary and the entity is not described as a technology company. Distribution occurs through a central headquarters at Rua Felipe Schmidt, 679 (Ed. CDL, Centro Florianópolis, CEP 88010-001), a regional nucleus at OKA in Campeche (inaugurated June 2025), and an e-commerce storefront at loja.cdlflorianopolis.com.br.

CDL Florianópolis earns revenue through annual membership fees, transactional fees from SPC checks and digital certificate issuance, referral/affiliate commissions from financial partners (Sicredi, Banco do Empreendedor) and CDL Club partners (education, health, retail, food), and fees from training programs. Go-to-market is channel-partner and community-led, structured around 13+ sector-specific nuclei (CDL Jovem, CDL Mulher, Centro Histórico, Mercado Pet, Sul da Ilha, Norte da Ilha, Turismo, Saúde, Direito, Mercado Imobiliário, etc.) and event-driven engagement (Sala de Negócios, Café com Associados, Inova+Ação, Papo Inova, Natal das Luzes, Agita Floripa). The association is governed by an elected Diretoria and Conselho Fiscal, operates without external funding or a parent company, and pursues an active civic-advocacy agenda including urban-revitalization initiatives (Gehl Architects R$1.2M Centro project, Viva a Cidade Arborizada with Arboran, Aliança por Floripa social-employment program, and 24 facial-recognition cameras monitoring 400,000+ monthly pedestrian flows on Rua Felipe Schmidt). LGPD (Brazilian data-protection law) compliance is maintained, with Anderson Ramos Augusto as Data Protection Officer.

Name

Cdl Florianopolis

Legal name

Câmara de Dirigentes Lojistas de Florianópolis

Website

https://cdlflorianopolis.org.br

Company type

Private

Founded year

1960

Operating status

Operating

Short description

CDL Florianópolis is a non-profit retail business association founded in 1960 in Florianópolis, Brazil, serving 3,000+ member companies with credit checks (SPC Brasil), digital certificates, training, job board services, credit-line facilitation, and member benefits through 13+ sector-specific nuclei.

Ownership category

akta.pro rank

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Fees: Revenue from annual/membership fees charged to associated businesses (empresas associadas) who join CDL Florianópolis to access services including SPC credit checks, training, business networking, and member benefits.
2. SPC Brasil Services: Revenue through SPC Brasil credit bureau services provided to member retailers for credit checks and debtor information.
3. CDL Club Partner Program: Benefits program where associated businesses and partners offer discounts to CDL members, creating network value and member retention.
4. Digital Certificate Services: Digital certificate (Certificado Digital) issuance services providing identity credentials for businesses and individuals.
5. Credit Line Facilitation: Partnership with Sicredi and Banco do Empreendedor to facilitate credit lines for members, potentially generating referral fees.
6. Training and Capacitação: Professional development and training courses offered to members and non-members.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

CDL Florianópolis is a non-profit civil association (associação civil de direito privado) that provides retail business owners in Florianópolis with access to SPC Brasil credit checks, digital certificates (e-CNPJ/e-CPF), training programs, credit line facilitation through partner banks, a member discount program (CDL Club), job listings (CDL Vagas), health and wellness benefits, and business networking through 20+ sector-specific nuclei.

Product overview

CDL Florianópolis operates as a commerce chamber offering a portfolio of services to member businesses. The core offerings include SPC Brasil (credit bureau/credit checking services), Certificado Digital (digital certificates for electronic transactions), CDL Vagas (job board), Linhas de Crédito (credit lines through partner banks), CDL Club (member benefits program with discounts at partner establishments), Capacitações (training programs), and Saúde e Bem Estar (health benefits). These services are standalone offerings rather than an integrated platform, serving the retail and commercial sector of Florianópolis with business support, financial access, and professional development.

Differentiator

Problem solved

Functional benefit

Products and services

• SPC Brasil Credit bureau and business intelligence service providing credit checks, insolvency data, and financial risk assessment for retailers and member businesses in Florianópolis.
• Certificado Digital Digital certificate services (e-CNPJ and e-CPF) providing secure electronic identity for online transactions, document signing, and business operations for member companies and individuals.
• Capacitações Professional training and development programs offered to association members and the business community, covering various sectors, management skills, and professional certifications.
• CDL Club Exclusive benefits and discount program for associated members and their collaborators, providing access to discounts at 40+ partner establishments across education, healthcare, retail, restaurants, and professional services.
• CDL Vagas Employment platform connecting job seekers with member businesses, facilitating hiring within the commercial sector of Florianópolis.
• Linhas de Crédito Credit line partnerships with Sicredi (up to R$200,000 at 0.64%+CDI/month for 84 months) and Banco do Empreendedor (up to R$20,000 at 3.95%/month) offering low-interest loans, capital de giro, and microcredit programs for small businesses and entrepreneurs.
• Saúde e Bem Estar Health and wellness plans and benefits offered to association members, including access to healthcare providers and wellness programs.

Quantifiable outcome

• 400,000+ pedestrians monthly on Rua Felipe Schmidt
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Gehl ArchitectscoreStrategic or Co-development Partner · 1 September 2025International urban planning consultancy (Denmark) engaged for R$1.2 million project 'Floripa Centro: Repensando os Espaços Públicos para as Pessoas' with 70+ proposals for Centro revitalization. Led by architects Esben Neander Kristensen and Rute Nieto Ferreira.
• Grupo Mall (OKA)coreStrategic or Co-development Partner · 9 June 2025Partnership for Sul da Ilha Nucleus headquarters at OKA shopping center in Campeche neighborhood, inaugurated June 9, 2025. Space for networking, training, and business promotion.
• SPC BrasilcoreTechnology or IntegrationCredit bureau service partnership providing members access to SPC credit check systems for debtor information and credit risk assessment. Members access through sistema.spc.org.br portal.
• Prefeitura de FlorianópoliscoreStrategic or Co-development PartnerStrategic partnership with municipal government for urban revitalization projects including Viva a Cidade Arborizada, Aliança por Floripa, and urban planning initiatives. Mayor Topázio Neto actively supports CDL urban projects.
• ACIF (Associação Empresarial de Florianópolis)coreStrategic or Co-development PartnerJoint urban development partnership including Gehl Architects project (R$1.2 million investment), Aliança por Floripa social program, and various commercial revitalization initiatives.
• SEBRAEcoreStrategic or Co-development PartnerStrategic partner for entrepreneurship development, training, and small business support. Represented by Ellys Silveira at Sul da Ilha nucleus inauguration.
• Conseg Centro (Conselho Comunitário de Segurança)coreStrategic or Co-development PartnerCo-convenor of Aliança por Floripa project alongside CDL and ACIF. Project provides employment for people experiencing homelessness through urban maintenance work.
• Laboratório de Urbanismo e Arquitetura (LUA)coreStrategic or Co-development PartnerLocal technical partner coordinating Gehl Architects project, connecting international expertise with local urban reality and stakeholder engagement.
• UnisulminorStrategic or Co-development PartnerPartnership providing dental care services for Aliança por Floripa project participants, including full dental rehabilitation for worker Wanderley Santiago.
• CDL Club Partners (40+ establishments)minorChannel Partner/ Reseller/ DistributorOver 40 partner establishments across education (Grau Técnico, IPOG, Instituto Mix), health (Clínica MultiAfeto, Miranda Odontologia), commerce (ML King, Crisbel Ótica), food (Renatão, Cheirin Bão), and services offering member discounts.
• ArborancoreStrategic or Co-development PartnerTechnical partner for Viva a Cidade Arborizada urban forestry project, responsible for planting 90+ native trees in Centro Leste streets. Led by CEO Paulo Garbugio and Technical Director Charles Coelho.
• BencelminorStrategic or Co-development PartnerPartner for urban furniture and table/chair structuring project in Centro streets, working with Association of Centro Leste Residents and CDL Centro Histórico nucleus.

Scale indicators7 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• SEBRAE (Serviço Brasileiro de Apoio às Micro e Pequenas Empresas): Brazil's national small business support agency, an existing CDL partner for entrepreneurship development and training. Provides overlapping capability in training, advisory, and microentrepreneur support, but at national scale and with public funding.
• CNC (Confederação Nacional do Comércio de Bens, Serviços e Turismo): The national trade confederation representing commerce in Brazil, sitting at the apex of the federation structure that CDLs are part of. Provides national-level representation and services that complement local CDL offerings.
• FCDL/SC (Federação das Câmaras de Dirigentes Lojistas de Santa Catarina): The statewide federation that CDL Florianópolis belongs to and was instrumental in founding. Represents the broader CDL network across Santa Catarina and coordinates state-level advocacy, training, and federation services.
• Boa Vista SCPC: Brazilian credit bureau and business information services company that competes with SPC Brasil (CDL's core credit-checking partner). A broader incumbent in the SMB credit intelligence space that overlaps with one of CDL Florianópolis' key service lines.

Direct peers

• CDL Joinville: CDL serving Joinville, the largest city in Santa Catarina, providing the same mix of SPC credit checks, digital certificates, training, and member services to retail SMBs. Directly comparable in structure and service offering.
• CDL São Paulo: The largest and most prominent CDL in Brazil, operating the same chamber-of-commerce model at scale in São Paulo. Provides a benchmark for service portfolio maturity, training programs, and member benefits that CDL Florianópolis emulates at a regional level.
• CDL Curitiba: Câmara de Dirigentes Lojistas in Curitiba, operating the same retail chamber-of-commerce model with SPC services, training, and member benefits. Comparable in service portfolio and member profile within the broader national CDL federation.
• Associação Comercial do Paraná: Long-established business association in Curitiba providing comparable representation, credit information, certification, and member services to commercial enterprises. Mirrors the ACIF/CDL chamber-of-commerce model in another major southern Brazilian state.
• ACIF (Associação Empresarial de Florianópolis): The other major Florianópolis business association, frequently partnering with CDL on initiatives like the Gehl Architects urban project and Aliança por Floripa. Represents a broader industry mix (industry, services, commerce) versus CDL's retail focus, making it a closely comparable but adjacent local peer.
• CDL Blumenau: Another Câmara de Dirigentes Lojistas within the Santa Catarina network, serving retail business owners in Blumenau with a comparable service portfolio (SPC, digital certificates, training, member benefits). Operates the same chamber-of-commerce model in a similarly sized Brazilian city.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/cdlflorianopolis
• Facebookfacebook.com/cdlflorianopolis

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Cdl Florianopolis