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These are the Best Lending/Financing Companies and Startups in Brazil (2021)

This article showcases our top picks for the best Brazil based Lending/Financing companies. These startups and companies are taking a variety of approaches to innovating the Lending/Financing industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top Brazil Lending/Financing Companies

Data sourced from Crunchbase and SemRush.

FinanZero

FinanZero

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FinanZero is the leading online marketplace for consumer loans in Brazil. The business is an independent broker for loans, negotiating the customer’s loan application with several banks and credit institutions, to find the loan with the best interest rate and terms for the consumer.

FinanZero handles the lending process from start to finish. FinanZero has more than 50 lending partners connected to its platform.

The company was founded in 2015 and is based in São Paulo, Brazil.. .

Loans are made in partnership with Afirm’s originating bank partner Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Jeffrey Kaditz, Max Levchin, and Nathan Gettings established the San Francisco, California-based company in 2012..

Banco Inter

Banco Inter

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Banco Inter provides digital banking services in Brazil. It offers checking, personal, corporate, and microenterprise accounts; loans and credit cards; and investment and insurance services.

Rubens Menin Teixeira de Souza and Marcos Alberto Cabaleiro Fernandez founded Banco Inter in 1994. It has its headquarters in Belo Horizonte in Brazil..

Click Cash

Click Cash

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Click Cash is a mobile App that simplifies the complicated and bureaucratic process of personal unsecured lending to individuals. Available on Google Play Store for Android devices, the app uses BigData and Open Banking for a new approach to personal finance, enabling secure and reliable microcredit to financially underserved people, in addition to financial education to help them make the best use of the new credit options that are now opening for the general public. Based out of São Paulo (Brazil), the Fintech startup was originally idealized by Estonian entrepreneurs that saw in Brazil and Latin America the opportunity to develop their solution.

Key founders bring 15+ years of experience in online lending in Europe and were founders of Amarbank in Indonesia in 2014, which made IPO in January 2020. In 2019 it was estimated 45M unbanked and 65M financially underserved, but active and connected people, in Brazil alone.

A group that has a financial activity of more than U$154 billion / R$ 800 billion per year, and a huge unmet demand for microcredit. Click Cash offers, in a 5 minutes process, from 100 USD to 1.000 USD loans to be paid back in up to 12 months. Flexible and adapted to the new digital economy, we work with other Fintechs and traditional banks alike, using the most advanced technologies in Data Analytics and Mobile Security, i.e: facial recognition and device behavioral analytics, as well as financial history, that enables us to run a full credit analysis in seconds creating personalized offers per user.

The Click Cash App was officially launched in March 2020, and by August had +150K downloads and reached Top 5 in finance Apps in Brazil, with 4+ stars rating in Google Play Store and more than 9.5M USD / 50M BRL in received applications.. .

BizCapital

BizCapital

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BizCapital provides SMEs with fast and secure online working capital loans.

IOUU

IOUU

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IOUU was created with a great idea: Reinvent traditional financial services and ensure a better deal for everyone. We are a Fintech (finance + technology) with a team of ambitious, innovative and passionate people committed to the democratization of finance and providing simpler, faster and cheaper access to financial services based on the belief that innovative and creative solutions offer more value and a better experience.

We encourage opportunities for people, companies, and investors, providing a better deal for everyone. We connect businesses and individuals looking for credit with investors and institutions with money to lend.

Our platform is more efficient and transparent than traditional loans and we believe it is a better system for everyone. We want to lead the reinvention of a new industry by developing ethical and responsible ways to deliver greater value and better opportunities to our customers.

We use technology to provide easy, fair and secure access to credit. We are building long-term relationships and helping clients access better credit through financial inclusion and personalized development.

For us, access to credit should be perfect. We want to be recognized for our ideas, innovative technology, and commercial success.

By combining non-traditional data sources and machine learning, we seek to provide access to better credit and greater convenience for digital banking.. .

Nexoos

Nexoos

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Nexoos mission is to revolutionize the SME landscape in LATAM, by building a fair and frictionless platform that acts as a catalyst to foster investment flows. Through our unique algorithm and intensive use of technology, designed exclusively for businesses in the region, we make it a fast and affordable process to underwrite trustworthy SMEs in LATAM.

Nexoos team has grown to a robust team of 50 collaborators, acquired over 100k SMEs, 20k Retail investors, and underwritten over $USD1 Billion since launch. The marketplace has been growing at an incredibly 25% month on month and was selected by Goldman Sachs and Morgan Stanley top FinTechs report in Brazil.

Some of Nexoos nominations and Awards include; Top 5 Emerging Lending Platform Lendit 2018 – CMS Fintech Award – MIT Innovators under 35 – Endeavor Fintech Programme – UCL Bright Ideas Award – BBVA AI Finalist – eCommerce 2016 Award.. .

Nagro

Nagro

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Nagro is a platform that connects farmers to credit sources for agribusiness. Brazilian agribusiness is too credit dependent, and the biggest source is the government, that nowadays has been passing through a big crisis.

The demand of credit raises with the development of the agrimarket. Farmers have been facing a myriad of obstacles to successfully complete credit solicitation, on the other hand only 70% of the solicitations of credit have been attended, sometimes they take more than six months to receive the money, but the agribusiness is seasonal, and they can’t wait all this time to buy inputs and start to produce.

A lack of system communication with banks and acquirers for effective data conciliation also with unhelpful client support, result in an increasing rate of dissatisfaction and the necessity to develop costly in-house solutions and time-consuming processes. Their infrastructure enables farmers to find the best credit sources to their businesses.

Using an intuitive and simple register, they collect information about their profiles, activity and ecosystem they’re ’s inserted in, with these data they use machine learning and data analyses to connect the farmers to several sources of credit, and make a match with the one that fits better, according to their necessity of capital and time. Using a simple and yet customizable solution, they provide a complementary credit analyses with different variables and business information reports to credit sources.

To the farmers they capture the essence speeding up and simplifying the agribusiness credit processes, moreover given them an alternative to government bureaucratic credit.. .

Noverde

Noverde

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Noverde provides personal loan services in Brazil. It also develops software to provide credit services to its customers.

Noverde’s features includes restricts selling information to third parties and enables tracking all the steps of loan directly through application. Eduardo Teixeira founded it in October 2016, with its headquarters in São Paulo in Brazil..

Mutual Fintech

Mutual Fintech

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Brazilian citizens pay US$ 240 Billions Every year in annual interest on unsecured loans and unsecured corporate loans. The #1 P2P lending marketplace between individuals in Brazil and award-winning fintech, receiving prizes and participations from organizations such as: Bradesco InovaBRA, Santander Innoventures, Banco do Brasil (through Startupfarm) and twice by CIAB Febraban.

We’re one of the fastests on the market at acquiring and qualifying the borrower, analyzing the credit limit, carrying out KYC and fraud prevention, generating the offer, originating the credit and the digital contract (CCB), transfering/splitting the payments, and generating the invoices for payments. You’ve taken more time reading this text than we take to execute all of these steps.

On average, 4 seconds. The first genuine P2P lending marketplace in Brazil 100% complied with the Brazilian banking regulations structured by Pinheiro Neto Advogados.

Investors choose borrowers and build their own portfolios, directly. Diminished capital cost for borrowers, increased interest rates for investors.

Full Transparency. Useful tools for the best credit decision processes.

Enjoy downloading our app https://lnkd.in/e6kUzgW :). .

Zippi

Zippi

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Zippi provides financial services for gig workers in Latin America.

FinMatch

FinMatch

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FinMatch is a lending platform that provides micro finance to SMES and individuals.

SF Engenharia Financeira

SF Engenharia Financeira

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Somos uma empresa inovadora no que diz respeito à encontrar soluções financeiras para os nossos clientes. Analisamos a necessidade e indicamos a melhor estratégia de captação de recursos ao menor custo e maior benefício para o acionista.

Representamos no Brasil diversos fundos de investimento, de participação (equity) e de dívida (debit), além de oferecer a menor taxa de juros de financiamento para empresas de capital aberto e investidores qualificados: 3,25% a.a. juros fixos, em reais, sem necessidade de amortização.

Entre em contato e conheça outras oportunidades como essa!!!. .

Banco PAN

Banco PAN

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One of Brazil’s leading medium-sized financial institutions, jointly controlled by Banco BTG Pactual and Caixa Econômica Federal.

Dinie

Dinie

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Dinie provides flexible, convenient and easy-to-use financing solutions for small businesses. Through our end-to-end lending API, we enable digital platforms (marketplaces, Saas, ERPs) to offer instant credit to their customers to help them grow their businesses.

As more companies incorporate financial services into their existing product offerings, we look forward to enabling the huge market opportunity of next generation embedded banking services. Dinie was founded by two serial entrepreneurs, Suzy Ferreira and Andrea Burattini (at age 27 sold her first Fintech to Accenture in 2013).

Dinie has also Kris Lembke as Co-Founder & CTO (+10y in tech & payments) and Vinicius Cibim as Co-Founder & CFO (+10y in finance & fintech). Dinie counts on highly experienced angel investors like Rita Liu (Ex.

CEO Alipay Europe), Sergio Fogel (Co-Founder of dLocal), Benjamin Gleason & Thiago Alvarez (Founders of GuiaBolso), Markus Rinderer (Founder of PAY.ON), Alexander Muller (Founder of Kreditech) and Matthias Setzer (Global Payments Director at Facebook, and previously at Paypal & Naspers).. .

Simplic

Simplic

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Simplic offers access to online personal credit in a flexible, innovative and uncomplicated way.

Credisfera

Credisfera

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Credisfera a group of professionals with a great experience in banking and technology. Together, they now want to build an alternative for borrowers.

And as a loan only exists if someone is willing to pay, they also want to create an alternative for those who have the money to invest.. .

Flexipag

Flexipag

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Flexipag offers technology solutions focused on generating financial inclusion WorldWide by making consumer finance more accessible, affordable, and easier to pay even for thin-file customers. Flexipag was born to re-invent how to structure the loans using access to mobile phone as a guarantee of the amount borrowed and thus offer many benefits.

The company was founded in 2017 and is based in Sao Paulo, Brazil.. .

TuTu Digital

TuTu Digital

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Peer-to-peer Lending

Crefisa

Crefisa

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Credit enables the realization of dreams, investment in large projects and boosts the economy of a country. That is why, for Crefisa, nothing is more important than to enable the credit redemption for many Brazilians who believe in it, or for Crefisa to be the only possibility for solving problems.

Crefisa is aware of the importance of its role in society: to be an agent of transformation enabling the rescue of credit. As a result, it boosts the recovery of the clients’ self-esteem and the country’s economy.

With the loan rescued, Brazilians consume more and the whole society benefits, thus, Crefisa contributes to feed the entire production chain.. .

ISF Crédito Orientado

ISF Crédito Orientado

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ISF Crédito Orientado provides lending services online. It works in the search of resources for investments and working capital using the best financial product in the market according to the profile of people and companies, reducing the interest rate and increasing the payment term.

All this in partnership with development banks, state, commercial, investment funds, among others. And what has changed now? The world is constantly evolving and we could not be left behind with all that accumulated experience.

Today, we enter the world of Fintechs, which is nothing more than the junction of Finance with Technology, that is, we turn our face-to-face knowledge into a complete online credit platform for people and companies. Thus, we will continue to do personalized work, only in a digital and much more practical way.

For this, we have specialists prepared to answer your questions, offering the best solution according to your reality and following your financial evolution. We are the only online credit platform for Individuals and Legal and with customized solutions.

We offer: Online loan to PJ and PF Free financial health reports Report to PJ with all credit lines available for each profile. We are the only online credit platform for Individuals and Legal and with customized solutions.

We offer: Online loan to PJ and PF Free financial health reports Report to PJ with all credit lines available for each profile. We are the only online credit platform for Individuals and Legal and with customized solutions.

EduDream

EduDream

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Edudream is a peer to peer marketplace to fund education. Individuals can raise money for their education and pay in two models: 1) a fixed percentage of their income over the years or 2) Agreed interest rate.

It is a marketplace model applied to the Education Finance Industry.. .

MEEmpresta

MEEmpresta

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MEEmpresta owns and operates an end-to-end lending platform, which enables individuals to lend money to other individuals. Its platform facilitates credit flow from an investor to a borrower after performing credit analysis and also provides a marketplace for investment.

Jardel Santos founded it in 2016. It has its headquarters in Caxias do Sul in Brazil..

Quitamos!

Quitamos!

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Quitamos! is a marketplace that aims to bring together lenders and debtors through collective offerings.

Cred.Fit

Cred.Fit

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Cred.Fit are an online platform focused on expanding credit channels for vehicle financing in Brazil.

#VALUE!

You may write to us at: Daily Finance Media/Fupping Ltd, First Floor, 61-63 Rochester Pl, London NW1 9JU.

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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