financia tudo
Financia Tudo is a Brazil-based banking correspondent that intermediates loans, financing, insurance, consortiums, and credit products between individual and SMB customers and 20+ partner financial institutions through a 100% digital platform.
- Company typePrivate
- Founded2015
- HeadquartersGuarapuava, Brazil
- Headcount1–10
- GTM typeB2C
- OfferingServices
What financia tudo does
Financia Tudo Negócios e Serviços Ltda., founded in April 2015 and headquartered in Guarapuava, Paraná, Brazil, is a licensed Correspondente Bancário (Banking Correspondent) operating under Brazil's Central Bank Resolution CMN nº 4.935/2021. The company functions as a credit intermediary, connecting individual consumers and small-to-medium businesses with more than 20 partner financial institutions — including Itaú, Bradesco, Santander, BV, Daycoval, Inter, C6 Bank, Creditas, and Banco do Brasil — to originate collateralized loans, property financing, vehicle financing, consortiums, insurance, and ancillary products. The firm does not perform credit analysis, underwriting, or approvals; these functions are entirely owned by the partner institutions. The principal manager's 40+ years of industry experience (since 1982) underpins an operationally focused leadership profile.
Financia Tudo delivers its service through a 100% digital stack consisting of a web application (app.financiatudo.com.br) and public-facing site (financiatudo.com.br), supported by online simulators, document submission workflows, WhatsApp/phone support, and a content/SEO marketing engine via blog.financiatudo.com.br. The product catalog spans 25+ structured offerings organized across three lines: (1) collateralized loans (home equity, vehicle, truck, van, bus, land, refinanced collateral, working capital, construction, completion, and condominium loans), (2) property and vehicle financing (residential, commercial, and already-financed assets), and (3) consortiums, vehicle protection, subscription solar energy, and insurance distribution via the in-group broker Quero Segurar. State- and city-level landing pages support national SEO coverage.
Revenue is generated exclusively through affiliate-style referral commissions paid by partner financial institutions on approved and released credit; customers are not charged fees. The combination of multi-product breadth, a multi-institution comparison proposition, and nationwide digital reach enables the company to intermediate credit without holding balance-sheet risk or underwriting exposure. Cumulative disclosed business metrics include R$2.7 billion+ in originated proposals and R$640 million+ in released credit over a ten-year operating window.
financia tudo firmographics
Firmographics- Name
- financia tudo
- Legal name
- Financia Tudo Negócios e Serviços Ltda.
- Website
- https://financiatudo.com.br
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Financia Tudo is a Brazil-based banking correspondent that intermediates loans, financing, insurance, consortiums, and credit products between individual and SMB customers and 20+ partner financial institutions through a 100% digital platform.
- Ownership category
- akta.pro rank
financia tudo industry classification
Industry- Product category
- Credit Intermediation Services
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)
Keywords
Where financia tudo is headquartered
LocationHeadquarters
- HQ city
- Guarapuava
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
financia tudo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Credit Intermediation Commission: Financia Tudo earns commissions from partner financial institutions when loans and financings are approved and released. The company does not charge customers any fees for its services—all services are free for customers. The company is remunerated by the institutions that approve and release credit.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Imóveis em garantia (Home Equity / Property-backed loan) |
| Transaction based/ take rate | Monthly | Veículos em garantia (Vehicle-backed loan) |
| Transaction based/ take rate | Monthly | Financiamento de Imóveis Residenciais (Residential mortgage) |
| Transaction based/ take rate | Monthly | Capital de Giro (Working capital for businesses) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
financia tudo product offering
Product offeringCore offering
Financia Tudo operates as a Brazilian Correspondente Bancário (Banking Correspondent) regulated by the Central Bank, intermediating credit between customers and a network of 20+ partner financial institutions. It offers a portfolio of 25+ products including home equity loans, vehicle-backed loans, residential and commercial property financing, working capital loans, real estate and vehicle consortiums, vehicle protection plans, and insurance brokerage. The entire process from simulation to proposal tracking is conducted 100% digitally with no fees charged to customers, with revenue earned via commissions from partner institutions.
Product overview
Financia Tudo is a multi-product financial services platform operating as a Correspondente Bancário (Bank Correspondent) regulated by Brazil's Central Bank. The company offers a comprehensive portfolio of 25+ financial products organized into three main categories: (1) Loans with Property/Vehicle Guarantee - including Home Equity, vehicle, truck, van, bus, and land collateralized loans plus working capital and construction financing; (2) Financing Products - for residential and commercial properties, vehicles, trucks, vans, and buses with existing or no financing; and (3) Other Products - including real estate and vehicle consortiums, solar energy subscription, vehicle protection plans, and insurance. The platform connects customers with 20+ partner financial institutions (including major banks like Itaú, Bradesco, Santander, BV, and fintechs like Creditas and C6 Bank) to facilitate credit access, with all credit analysis and approval performed by partner institutions. Services are delivered entirely online with national coverage.
Differentiator
Problem solved
Functional benefit
Brands
- Quero Segurar: Insurance brokerage company operating under the Financia Tudo group, offering residential, auto, life, and business insurance solutions.
Products and services
- Home Equity Loan (Empréstimo com Imóvel em Garantia) Loan product using residential or commercial property as collateral, allowing customers to access up to 60% of the property's value with lower interest rates and repayment terms up to 240 months. Targeted at property-owning consumers and small businesses seeking large, long-tenor credit.
- Vehicle-Backed Loan (Empréstimo com Veículos em Garantia) Loan product using fully paid-off cars or motorcycles as collateral, providing up to 80% of the vehicle's value (FIPE table) with repayment terms up to 60 months. Targeted at vehicle-owning individuals seeking lower-rate credit while retaining use of the vehicle.
- Truck-Backed Loan (Empréstimo com Caminhões em Garantia) Specialized loan product for truck owners using their vehicles as collateral to access credit for fleet expansion, debt consolidation, or business investment. Targeted at independent truckers and transport companies.
- Land-Backed Loan (Empréstimo com Terreno em Garantia) Loan product using urban land as collateral, offering up to 60% of the land's evaluated value with extended repayment terms. Targeted at landowners with undeveloped or undeveloped-use plots seeking liquidity.
- Van-Backed Loan (Empréstimo com Vans em Garantia) Loan product for van owners using fully paid vans as collateral, ideal for transport operators and small businesses. Targeted at passenger and cargo transport operators.
- Bus-Backed Loan (Empréstimo com Ônibus em Garantia)
- Refinancing of Financed Vehicles (Empréstimo com Veículos Não Quitados) Refinancing product for vehicles still under financing, allowing customers to pay off existing debt and access additional credit per each partner bank's policy. Targeted at consumers and SMBs with active vehicle financing seeking better terms or liquidity.
- Working Capital Loan (Empréstimo para Capital de Giro) Working capital loan product for businesses to maintain operational cash flow, pay suppliers, and cover operational expenses. Targeted at micro, small and medium Brazilian businesses (MEI, ME, PME).
- Condominium Loan (Empréstimo para Condomínios) Specialized credit line for residential and commercial condominiums to finance renovations, infrastructure improvements, and emergency repairs without immediate financial burden on residents. Targeted at condominium associations and their administrators.
- Construction Loan (Empréstimo para Construção) Construction loan product to finance building materials, labor, and project phases for new property development, with phased releases and installments tailored to project needs. Targeted at individuals and businesses building new properties.
- Refinancing of Financed Property (Empréstimo para Imóveis Não Quitados) Loan product using financed properties as collateral (Interveniente Quitante), refinancing existing debt and providing additional credit per partner bank rules. Targeted at property owners with active mortgages seeking better terms or extra liquidity.
- Construction Completion Loan (Empréstimo para Término de Obra) Completion loan product to finalize construction projects, purchase materials, and pay labor for nearly completed properties. Targeted at owners of in-progress construction needing capital to finish works.
- Residential Property Financing (Financiamento de Imóveis Residenciais) Residential property financing product allowing customers to finance up to 90% of the property value with repayment terms up to 35 years (420 months). Targeted at individuals buying residential homes.
- Commercial Property Financing (Financiamento de Imóveis Comerciais) Commercial property financing for businesses to acquire office spaces, stores, and other commercial real estate. Targeted at SMBs acquiring commercial premises.
- Refinancing of Existing Property Financing (Financiamento de Imóveis Não Quitados) Refinancing product for already-financed properties, allowing adjustment or replacement of existing financing terms. Targeted at property owners with existing mortgages.
- Vehicle Financing (Financiamento de Veículos) Vehicle financing product for new and used cars and motorcycles with competitive rates and flexible terms. Targeted at individual vehicle buyers.
- Refinancing of Existing Vehicle Financing (Financiamento de Veículos Não Quitados)
- Truck Financing (Financiamento de Caminhões) Truck financing product for transport professionals and companies to acquire new or used commercial vehicles. Targeted at independent truckers, fleet operators, and transport companies.
- Van Financing (Financiamento de Vans)
- Bus Financing (Financiamento de Ônibus)
- Real Estate Consortium (Consórcio de Imóveis)
- Vehicle Consortium (Consórcio de Veículos)
- Subscribed Solar Energy (Energia Solar por Assinatura)
- Vehicle Protection Plan (Proteção Veicular)
- Insurance Brokerage (Seguros via Quero Segurar)
Quantifiable outcome
- Up to 60% of property value can be released as credit
- +3 more outcomes
Companies that use financia tudo
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
financia tudo technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
financia tudo partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered core and secondary.
- Banco Itaú UnibancocoreMajor Brazilian bank partner for credit intermediation. CNPJ: 60.701.190/0001-04. 0800 728 0728.
- Banco BradescocoreMajor Brazilian bank partner for credit intermediation. CNPJ: 60.746.948/0001-12. 0800 704 8383.
- Banco SantandercoreMajor Brazilian bank partner for credit intermediation. CNPJ: 90.400.888/0001-42. 0800 762 7777.
- Banco BVcoreFinancial institution partner. CNPJ: 01.149.953/0001-89. 0800 772 8028.
- Banco DaycovalcoreFinancial institution partner. CNPJ: 62.232.889/0001-90. 0800 775 0500.
- Banco IntercoreDigital bank partner. CNPJ: 00.416.968/0001-01. 0800 940 0007.
- C6 BankcoreDigital bank partner. CNPJ: 31.872.495/0001-72. 0800 660 0060.
- CreditascoreDigital credit platform partner. CNPJ: 32.997.490/0001-39. 0800 721 8547.
- Banco BaricoreReal estate financing specialist bank. CNPJ: 00.556.603/0001-74. 0800 602 7007.
- Banco RodobenscoreVehicle and real estate financing partner. CNPJ: 33.603.457/0001-40. 0800 709 8600.
- CashMe Soluções FinanceirassecondaryFinancial solutions partner. CNPJ: 34.175.529/0001-68. 0800 942 1555.
- Libra Crédito Soluções FinanceirassecondaryCredit solutions partner. CNPJ: 34.308.576/0001-32. 0800 000 3310.
- Oxy Companhia HipotecáriasecondaryMortgage company partner. CNPJ: 18.282.093/0001-50. 0800 730 6200.
- Pontte Soluções FinanceirassecondaryFinancial solutions partner. CNPJ: 33.296.599/0001-01. 0800 878 9855.
- Rooftop Tecnologia de AtivossecondaryAsset technology partner. CNPJ: 37.209.138/0001-05.
- Tcash Soluções de PagamentossecondaryPayment solutions partner. CNPJ: 08.811.643/0001-27. 0800 878 3050.
- Trinus FinanceirasecondaryFinancial services partner. CNPJ: 61.575.702/0001-98. 0800 033 0396.
- BMP Money PlussecondaryDirect credit company partner. CNPJ: 34.337.707/0001-00. 0800 590 0127.
- Fit Economia de EnergiasecondarySolar energy partner. CNPJ: 48.144.181/0001-56. 0800 600 0064.
- Banco PaulistasecondaryBanking partner. CNPJ: 61.820.817/0001-09.
- Quero Segurar (Insurance Broker)coreInsurance broker within the Financia Tudo group with over 10 years of experience in the financial and insurance market.
- Biz CapitalsecondaryBusiness working capital partner.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
financia tudo competitors and assessment
Company assessmentDirect peers
- Creditas: Brazilian secured-lending platform offering home equity, vehicle-backed, and payroll loans through its own balance sheet plus bank partners. Directly competes with Financia Tudo in the same asset-backed credit intermediation space and is even named as a partner bank on the platform.
- Simplic: Brazilian digital credit intermediary connecting consumers and SMBs to multiple lenders for personal loans, refinancing, and payroll credit. Closely comparable business model and target customers to Financia Tudo.
- Kredito: Brazilian online correspondent lending platform that aggregates offers from multiple financial institutions and intermediates credit for consumers and small businesses nationwide. Operates the same correspondent/intermediation model.
- JCred: Brazilian digital correspondent lender specializing in online personal and secured loans, refinancing, and credit card portability. Comparable digital onboarding, partner-bank routing, and consumer/SMB focus.
- Bidu: Brazilian online credit broker (Correspondente Bancário) intermediating personal loans, refinancing, and credit card offers across multiple partner banks. Overlapping target market and business model.
- Biz Capital: Brazilian online lender focused on working-capital loans for small and medium businesses. Targets the same SME working-capital segment as Financia Tudo and is a named partner on the platform.
Broad incumbents
- Banco Inter: Brazilian full-stack digital bank offering consumer credit, secured lending, and working capital directly to customers. Named as a partner bank on Financia Tudo's platform; competes with Financia Tudo where it offers direct origination.
- C6 Bank: Brazilian digital bank providing consumer credit, payroll loans, and secured products directly. Listed as a partner bank alongside Financia Tudo; broad incumbent that overlaps in digital credit origination.
- Banco BV: Large Brazilian bank with a substantial vehicle- and property-backed lending franchise and correspondent channel. Both a direct competitor in secured lending and a key distribution partner for Financia Tudo.
- Banco Daycoval: Brazilian commercial bank offering working capital, secured lending, and vehicle financing, with an established Correspondente Bancário channel. Operates in the same intermediated credit space from the bank side of the value chain.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
financia tudo social profiles
Digital presencefinancia tudo financial estimates
Financial estimateRevenue estimate
Valuation estimate
financia tudo leadership team
Management profileNumber of profiles
financia tudo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
financia tudo 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 financia tudo
What does financia tudo do?
Financia Tudo operates as a Brazilian Correspondente Bancário (Banking Correspondent) regulated by the Central Bank, intermediating credit between customers and a network of 20+ partner financial institutions. It offers a portfolio of 25+ products including home equity loans, vehicle-backed loans, residential and commercial property financing, working capital loans, real estate and vehicle consortiums, vehicle protection plans, and insurance brokerage. The entire process from simulation to proposal tracking is conducted 100% digitally with no fees charged to customers, with revenue earned via commissions from partner institutions.
Is financia tudo a public or private company?
financia tudo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was financia tudo founded?
financia tudo was founded in 2015. It employs 1 to 10 people.
Where is financia tudo based?
financia tudo is headquartered in Guarapuava, Brazil, in the Latin America region.
How does financia tudo make money?
One revenue line is on record: credit Intermediation Commission.
Who are financia tudo's main competitors?
Direct peers on record are Creditas, Simplic, Kredito, JCred, Bidu and Biz Capital. Broad incumbents are Banco Inter, C6 Bank, Banco BV and Banco Daycoval.
Does financia tudo have an API?
No public API is recorded for financia tudo.
What industry is financia tudo in?
financia tudo's product category is Credit Intermediation Services. Its primary akta.pro industry code is FSAEAEAI, SBA/USDA Government-Backed Loan Intermediation. Its NAICS code is 5222 and its SIC code is 6163.