Best Alternative Lending Companies in Brazil
The 218 best Alternative Lending companies in Brazil in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Creditas.
Brazil's Alternative Lending sector is crowded, competitive, and worth your attention: our directory tracks 218 companies with $2.1B in total disclosed funding, and one unicorn already sitting in the mix. Creditas leads by a wide margin at $873M raised, with Solfácil pulling a respectable $176M behind it. The rest of the field compresses fast, A55 at $63M, then a cluster of earlier-stage players. Globally, the category is moving, with the market pegged around $2.4B in 2023 at a 14.4% CAGR, driven by demand from both individual borrowers and businesses that traditional credit pipelines keep underserving.
So what does that mean for Brazil specifically? The funding concentration here is stark. Creditas alone accounts for roughly 42% of all disclosed capital in our dataset. That's not a balanced ecosystem, it's a market with one dominant capital anchor and a long tail of challengers still proving unit economics. Investors like Monashees and Spectra Investments are active across that tail, which tells you the bet isn't only on incumbents. I'd watch that mid-tier closely. Recent thinking on what alternative lending actually means for borrowers outside conventional banking keeps sharpening, and in Brazil, where credit access gaps remain wide, that conversation maps directly onto deal flow you can see in the numbers above.
Ranked: Best Alternative Lending companies in Brazil
| # | Company | Disclosed funding | Last round | Stage | Employees | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Creditas 🦄 Online platform for asset-backed consumer loans 93Tech top 10%Funding top 13%Market top 17%Moat top 26% All 6 signals ▾Techtop 10% Fundingtop 13% Markettop 17% Moattop 26% Growthtop 35% Globaltop 44% Tech: 70 technologies across 7/8 capability areas · Cloud: Cloudflare, Netlify Funding: Raised $873M across 10 rounds · 10 rounds over 11 yrs (0.9/yr) rank vs industry peers · Fliar Intelligence Index 93/100 | $873M | 6 mo ago | Series G | 2,899 | — | Cart FunctionalityContentfulApple iCloud Mail+34 | 1 internship |
| 2 | Solfácil Online marketplace for residential solar financing 60Funding top 22%Moat top 22%Tech top 26%Growth top 35% All 8 signals ▾Fundingtop 22% Moattop 22% Techtop 26% Growthtop 35% Talenttop 38% Globalbottom 38% Marketbottom 37% Newsbottom 21% Funding: Raised $176M across 7 rounds · 7 rounds over 8 yrs (0.9/yr) Moat: Editorial + unicorn rating 8/10 · Soonicorn rank vs industry peers · Fliar Intelligence Index 60/100 | $176M | 15 mo ago | Series C | — | Roger Alves Co-Founder | WordPressApple iCloud MailGoogle Workspace+32 | — |
| 3 | Agrolend Agrolend: Financing Brazilian agribusiness with innovative credit solutions and strategic partnerships 32Talent top 23%Funding top 26%Growth bottom 42%Global bottom 38% All 7 signals ▾Talenttop 23% Fundingtop 26% Growthbottom 42% Globalbottom 38% Techbottom 33% Marketbottom 31% Newsbottom 21% Talent: 5 named leaders on record · 5 C-suite/founder profiles curated Funding: Raised $96.2M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 32/100 | $96M | 19 mo ago | Series C | 43 | Carlos Fagundes Co-Founder & CSO | WordPressApple iCloud MailGoogle Workspace+19 | — |
| 4 | PRAVALER Online lending platform for education loans 72Tech top 21%Funding top 31%Growth top 35%Market top 36% All 8 signals ▾Techtop 21% Fundingtop 31% Growthtop 35% Markettop 36% Producttop 47% Talentbottom 49% Globalbottom 36% Newsbottom 35% Tech: 72 technologies across 5/8 capability areas · Cloud: Amazon S3, Amazon Web Services Funding: Raised $86.1M across 2 rounds · 2 rounds over 4 yrs (0.5/yr) rank vs industry peers · Fliar Intelligence Index 72/100 | $86M | 19 mo ago | Funding Raised | 462 | Carlos Furlan Chief Executive Officer | Apple iCloud MailMicrosoft 365Node.js+28 | 1 internship · 1 award |
| 5 | Gringo Online platform for vehicle fines and taxes loans 69Customers top 7%Tech top 26%Funding top 28%Market top 37% All 9 signals ▾Customerstop 7% Techtop 26% Fundingtop 28% Markettop 37% Talenttop 38% Producttop 42% Growthbottom 46% Globalbottom 38% Newsbottom 21% Customers: Play-Store rating 4.86★ across 943,779 ratings (1 apps) Tech: 53 technologies across 5/8 capability areas · Cloud: Cloudflare, Google Cloud rank vs industry peers · Fliar Intelligence Index 69/100 | $86M | 21 mo ago | Acquired | 218 | Marcelo Lemos Co-Founder | WordPressMySQLPHP+28 | — |
| 6 | WEEL Invoice factoring solution | $63M | 76 mo ago | Acquired | 76 | Shmuel Kalmus Co-Founder & CTO | — | — |
| 7 | A55 Online platform for revenue-based financing 67Moat top 22%Global top 25%Funding top 28%Growth top 28% All 8 signals ▾Moattop 22% Globaltop 25% Fundingtop 28% Growthtop 28% Talenttop 38% Techtop 50% Marketbottom 48% Newsbottom 27% Moat: Editorial + unicorn rating 8/10 · Soonicorn Global: Serving 60+ countries worldwide · Investors from 2 countries beyond Brazil rank vs industry peers · Fliar Intelligence Index 67/100 | $63M | 3 mo ago | Series B | 72 | Andre Wetter Co-Founder | Cart FunctionalityNode.jsThree.js+10 | — |
| 8 | Nagro Online platform offering business loans | $49M | 33 mo ago | Series A | 84 | Gustavo Alves Founder & CEO | WordPressMySQLPHP+41 | — |
| 9 | Tino Account receivable solutions for businesses | $40M | 54 mo ago | Series A | 120 | Pedro Oliveira Co-Founder & CEO | WebflowBootstrapcore-js+21 | — |
| 10 | Makasi Provider of construction financing solutions to small and medium-sized real estate developers and builders 45Growth top 28%Funding top 37%Tech bottom 49%Talent bottom 49% All 6 signals ▾Growthtop 28% Fundingtop 37% Techbottom 49% Talentbottom 49% Marketbottom 37% Globalbottom 25% Growth: Web rank 10,000,000 → 5,000,000 YoY · Fresh capital in last 24 mo Funding: Raised $40.0M across 2 rounds · 2 rounds over 2 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 45/100 | $40M | 13 mo ago | Late Stage | — | Caio Bonatto Founder & CEO | WebflowSveltecore-js+16 | — |
| 11 | Educbank Online lending platform for educational institutions 55Tech top 28%Funding top 34%Growth top 35%Talent bottom 49% All 7 signals ▾Techtop 28% Fundingtop 34% Growthtop 35% Talentbottom 49% Marketbottom 40% Globalbottom 36% Newsbottom 18% Tech: 53 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon Ses Funding: Raised $37.1M across 3 rounds · 3 rounds over 4 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 55/100 | $37M | 19 mo ago | Series A | 78 | Danilo Costa Co-Founder | WordPressBetterDocsApple iCloud Mail+38 | — |
| 12 | FinanZero Provider of an aggregator platform of loans | $32M | 27 mo ago | Series B | 70 | Kristian Jacobsson Co-Founder | Cart FunctionalityTurbopackApple iCloud Mail+24 | — |
| 13 | Bom Pra Credito Online marketplace for consumer loans | $30M | 80 mo ago | Acquired | 78 | Daniel Polistchuck Founder | WordPressMySQLPHP+31 | — |
| 14 | Pontte Online platform for property-backed loans | $29M | 70 mo ago | Series B | — | Raphael Araujo Co-Founder & CTO | WordPressMySQLPHP+20 | — |
| 15 | Sol Agora A platform providing solar energy financing solutions | $20M | 18 mo ago | Series B | — | Flavio Suchek CEO | WordPressApple iCloud MailMicrosoft 365+30 | 1 internship |
| 16 | BizCapital Online lending platform for business loans | $20M | 67 mo ago | Acquired | 110 | Daniel Orlean Founder And Shareholder | WordPressMySQLPHP+25 | — |
| 17 | Monkey Exchange Online marketplace for invoice receivables | $20M | 23 mo ago | Series B | 347 | Felipe Adorno CTO & Co-Founder | TypeScriptZone.jsAngular+23 | 1 job opening |
| 18 | Facio App-based platform for payroll loans | $18M | 22 mo ago | Series B | 38 | Ticiano Vieira Co-Founder | MUIBootstrapReact+21 | — |
| 19 | Zippi Provider of an online personal loans platform for drivers 69Growth top 20%News top 29%Tech top 32%Funding top 33% All 9 signals ▾Growthtop 20% Newstop 29% Techtop 32% Fundingtop 33% Moattop 39% Producttop 46% Globaltop 48% Markettop 50% Talentbottom 49% Growth: Web rank 500,000 → 100,000 YoY · Fresh capital in last 24 mo News: 5 BI events in 12 mo (of 7 tracked, 2 types) · 2 high-value events (IPO/M&A/funding/contracts) in 12 mo rank vs industry peers · Fliar Intelligence Index 69/100 | $16M | 4 mo ago | Series B | 58 | Andre Bernardes Co-Founder / CEO | Node.jsTailwind CSSNext.js+22 | — |
| 20 | Franq Online marketplace for personal bankers 67Tech top 25%Talent top 28%Moat top 29%Funding top 33% All 9 signals ▾Techtop 25% Talenttop 28% Moattop 29% Fundingtop 33% Markettop 44% Growthtop 45% Producttop 46% Globalbottom 37% Newsbottom 22% Tech: 48 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Talent: 3 named leaders on record · 3 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 67/100 | $16M | 1 mo ago | Series B | 190 | Paulo Silva Founder e CEO | WordPressMySQLPHP+27 | — |
| 21 | Ume Online platform for point of sale financing 64Tech top 29%Funding top 33%Growth top 38%Talent top 38% All 10 signals ▾Techtop 29% Fundingtop 33% Growthtop 38% Talenttop 38% Customerstop 40% Markettop 46% Producttop 46% Moattop 48% Globalbottom 36% Newsbottom 35% Tech: 44 technologies across 6/8 capability areas · Cloud: Cloudflare Funding: Raised $15.0M across 2 rounds · 2 rounds over 2 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 64/100 | $15M | 9 mo ago | Series B | 165 | Theo Ramalho Co-Founder & COO | SentryAnimate.cssEnvoy+18 | — |
| 22 | REBEL Online lending platform for consumer loans | $14M | 78 mo ago | Series B | 15 | Andre Botelho Bastos Co-Founder & CFO | SalesforceSalesforce Service CloudJava+14 | — |
| 23 | Altis Provider of embedded lending solutions for businesses 37Growth top 35%Tech top 44%Funding top 45%Talent bottom 49% All 6 signals ▾Growthtop 35% Techtop 44% Fundingtop 45% Talentbottom 49% Globalbottom 48% Marketbottom 25% Growth: Fresh capital in last 24 mo Tech: 24 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 37/100 | $13M | 6 mo ago | Seed | — | Luiz Bettega Co-Founder | SentryRadix UITailwind CSS+13 | — |
| 24 | Koin Provider of purchase financing solutions | $12M | 26 mo ago | Acquired | 200 | Ricardo Laureano Siqueira Founder | WordPressApple iCloud MailGoogle Workspace+17 | — |
| 25 | klubi Online platform offering group lending for purchasing cars | $11M | 18 mo ago | Series A | 77 | Eduardo Rocha Fundador e CEO | Node.jsReactNext.js App Router+17 | 1 job opening · 1 partnership |
| 26 | Parcela Mais Online lending platform for healthcare financing | $9M | 31 mo ago | Series A | 11 | Andre Martini Founder | AlgoliaNode.jsBubble+18 | — |
| 27 | Paketa Online marketplace for payroll loans | $8M | 40 mo ago | Series A | 68 | Fabian Valverde CEO | DudaApple iCloud MailMicrosoft 365+23 | — |
| 28 | Credmei Provider of receivables financing for small and medium-sized enterprises | $8M | 30 mo ago | Funding Raised | — | Guilherme Ribeiro Founder & CEO | — | — |
| 29 | Juvo Credito Provider of personal credit loan services | $8M | 40 mo ago | Series A | — | Steve Polsky CEO | PHPBootstrapVue.js+17 | — |
| 30 | Agro Platform offering credit for farmers | $6M | 29 mo ago | Series A | 46 | Rodrigo Almeida Co-Founder | — | — |
| 31 | Gibb Provider of on demand pay solutions for organizations | $5M | 20 mo ago | Series A | — | Rodrigo Wanderley Co-Founder | Framer SitesReactLenis+17 | — |
| 32 | Credituz Provider of a credit management platform for the real estate sector | $5M | 13 mo ago | Seed | — | Pedro Braz Co-Founder | — | — |
| 33 | Core AI Provider of a platform for businesses to offer customized credit products 55Talent top 25%Global bottom 48%Funding bottom 46%Tech bottom 41% All 4 signals ▾Talenttop 25% Globalbottom 48% Fundingbottom 46% Techbottom 41% Talent: 6 named leaders on record Global: Investors from 2 countries beyond Brazil rank vs industry peers · Fliar Intelligence Index 55/100 | $4M | 3 mo ago | Seed | — | Kyle T Founder | Framer SitesApple iCloud MailGoogle Workspace+10 | — |
| 34 | Scalable Online marketplace offering loans for SaaS businesses and also allowing lenders to lend | $4M | 37 mo ago | Funding Raised | 6 | — | — | — |
| 35 | CashU Provider of a lending platform for point-of-sale financing 9Funding top 41%Tech bottom 41%Global bottom 36%Market bottom 18% All 4 signals ▾Fundingtop 41% Techbottom 41% Globalbottom 36% Marketbottom 18% Funding: Raised $3.8M across 5 rounds · 5 rounds over 5 yrs (1.0/yr) Tech: 24 technologies across 3/8 capability areas · Cloud: Cloudflare rank vs industry peers · Fliar Intelligence Index 9/100 | $4M | 5 mo ago | Series A | 21 | — | WordPress Block EditorElementorWordPress+21 | — |
| 36 | Dinie Online marketplace for business credit lines | $4M | 16 mo ago | Seed | 17 | Andrea Burattini Founder | SentryNode.jsJava+18 | — |
| 37 | Divibank Online platform for revenue-based financing | $4M | 14 mo ago | Series A | 46 | Jaime Taboada Co-Founder & CEO | WebflowAmazon Web ServicesSvelte+21 | — |
| 38 | ObraBank Provider of financial solutions for construction and infrastructure project stakeholders | $3M | 17 mo ago | Series A | — | Edilson Parra CEO | Founder | — | — |
| 39 | Bankme Provider of a productive ecosystem platform for banks | $3M | 30 mo ago | Series A | 56 | Thiago Eik CEO | Node.jsRadix UITailwind CSS+14 | 2 job openings |
| 40 | meutudo Provider of an app-based lending platform for payroll loans 57Customers top 20%Growth top 33%Market top 38%Funding bottom 49% All 8 signals ▾Customerstop 20% Growthtop 33% Markettop 38% Fundingbottom 49% Talentbottom 49% Productbottom 48% Techbottom 45% Globalbottom 29% Customers: Play-Store rating 4.22★ across 183,011 ratings (1 apps) Growth: App-install growth +49% YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 57/100 | $2M | 4 mo ago | Series A | 150 | Marcio Feitoza CEO | Cart FunctionalityNode.jsNext.js+12 | 1 job opening |
| 41 | PayHop Platform offering financing solution for retail merchants | $2M | 28 mo ago | Seed | — | Eduardo Rossi Co-founder & CEO | WordPressMySQLPHP+23 | — |
| 42 | EmpreX Online marketplace offering personal loan refinancing | $2M | 26 mo ago | Seed | 17 | — | WordPress Block EditorElementorWordPress+22 | — |
| 43 | Bull Cred Tech Provider of a white-label platform for worker credit origination and management | $2M | 8 mo ago | Seed | — | Marcia Torres Co-Founder & CFO | TurbopackSentryNode.js+20 | — |
| 44 | bitgov Provider of financial services | $2M | 30 mo ago | Seed | 5 | Eder Freddi CEO | — | — |
| 45 | Konsi App-based payroll loan comparison platform | $2M | 23 mo ago | Seed | 46 | — | Cart FunctionalityTurbopackSentry+29 | 3 job openings |
| 46 | LitiPay Online lending platform offering legal financing | $1M | 24 mo ago | Seed | — | Gabriel Braga Co-Founder | — | — |
| 47 | FlowCredi Provider of secured loans using real estate and vehicle collateral | $643K | 6 mo ago | Seed | — | Rodrigo Gordinho co-CEO e co-Founder | WordPressMySQLPHP+19 | 1 job opening |
| 48 | Consignei Online lending platform offering payroll loans | $570K | 24 mo ago | Seed | — | Lutiano Silva Founder & CEO | — | — |
| 49 | AutoBanking Provider of automotive financing solutions to consumers | $356K | 21 mo ago | Seed | — | Fredy Evangelista Co-Founder | WordPressMySQLPHP+19 | — |
Top 12 Alternative Lending companies in Brazil
#1
Creditas 🦄Series G · Itaim Bibi, State of Sao Paulo · founded 2012 · 2899 employees$873.4Mraised▾
Online platform for asset-backed consumer loans. It offers various loans including such as vehicle-backed loans, property-backed loans, personal loans, payroll loans, salary advances, and more. The asset-backed loans are provided on the basis of collateral evaluation. The platform is integrated into the company's existing payroll software in order to provide payroll loans to employees. It also enables users to exchange debts for a secured loan. It provides an app-based platform that is available on iOS and Android devices.
- Dec 2025Series G$108M
- Jul 2022Series F$50M
- Jan 2022Series F$260M
- Feb 2021Conventional Debt$28.3M
#2
Series B · Sao Paulo, Brazil · founded 2019 · 72 employees$63Mraised▾
Online platform for revenue-based financing. It offers financing for SaaS and e-commerce businesses. The businesses can integrate the bank accounts and ad accounts into the system, and the loan amount is based on the analysis performed on the given documents. once approved and signed the funds are directly transferred to the registered bank account.
- Mar 2026Series B—
- Jun 2024Series B$4.7M
- Jan 2022Series B$16.3M
- May 2021Series A$35M
#3
Series B · Florianopolis, State of Santa Catarina · founded 2019 · 190 employees$15.8Mraised▾
Online marketplace for personal bankers. It enables individuals to avail banking operations including loans and financing, investment platforms, digital accounts, and cards from multiple banking partners with the assistance of personal bankers. It also enables individuals with experience in the sector to enroll as personal bankers.
- May 2026Series B$12.4M
- Oct 2022Series A$12M
- Jun 2021Series A$3.8M
#4
Series B · Sao Paulo, Brazil · founded 2019 · 58 employees$16.1Mraised▾
Provider of an online personal loans platform for drivers. It provides users with a platform where users can apply for loans by submitting an online application. The platform serves Uber, 99, and Cabify application drivers. Loan repayments are made weekly via bank slips.
- Feb 2026Series B$42.3M
- Jun 2022Series A$16M
- Aug 2019Seed$150K
#5
Series C · Sao Paulo, State of Sao Paulo · founded 2018$176.3Mraised▾
Online marketplace for residential solar financing. It connects consumers with multiple investors and installers of solar energy. Users can define the photovoltaic solar project on the basis of requirements and pay the monthly installments.
- Feb 2025Conventional Debt$170M
- Oct 2024Series C$11.2M
- Sep 2022Series C$30M
- Apr 2022Series C$100.3M
#6
Seed · Sao Paulo, State of Sao Paulo · founded 2023$12.6Mraised▾
Provider of embedded lending solutions for businesses. The platform provides the integration of lending services directly into a business's operations, allowing them to offer personalized credit options to their customers. The service includes origination, fraud prevention, and customer identification processes, as well as banking infrastructure and asset management. It enables businesses to expand revenue streams, improve customer retention, and manage credit risk effectively. The platform partners with financial institutions to provide a comprehensive credit infrastructure.
- Dec 2025Conventional Debt$10M
- Apr 2025Seed$2.6M
- Apr 2025Conventional Debt—
#7
Seed · Sao Paulo, State of Sao Paulo · founded 2024$4.5Mraised▾
Provider of a platform for businesses to offer customized credit products. The platform enables integration of financial products through an application programming interface. It focuses on funding, risk management, and infrastructure. The platform offers credit infrastructure, data platform, risk engine, and embedded funding solutions.
- Mar 2026Seed$4.5M
#8
Series A · Sao Paulo, State of Sao Paulo · founded 2019 · 21 employees$3.8Mraised▾
Provider of a lending platform for point-of-sale financing. It provides users with a lending platform which offers personal credit lines on their own balance sheet, whereby a credit limit is assigned and interest is charged only on the used limit. It also provides users with credit analysis, cash flow management, and credit limit management.
- Jan 2026Conventional Debt$22.5M
- Feb 2025Conventional Debt$17.5M
- Apr 2024Series A$1.5M
- Mar 2022Seed$1.2M
#9
Series B · Sao Paulo, State of Sao Paulo · founded 2017 · 165 employees$15Mraised▾
Online platform for point of sale financing. It enables users to purchase products and pay in monthly installments within the merchant network. It also provides a merchant portal that allows merchants to register and offer a point of sale financing to the end customers. The application is available on the Android platform.
- Sep 2025Series B$21.8M
- Apr 2024Series A$15M
#10
Late Stage · Curitiba, Parana · founded 2023$40Mraised▾
Provider of construction financing solutions to small and medium-sized real estate developers and builders. It provides users with a company that aims to make construction financing safe and accessible, utilizing technology to streamline the process with clear rules. It also offers handles the entire financing request process, including documentation management for credit evaluation by various banks and real estate funds.
- May 2025Conventional Debt$21M
- Dec 2024Conventional Debt$19M
#11
Series C · Sao Paulo, State of Sao Paulo · founded 2020 · 43 employees$96.2Mraised▾
Agrolend: Financing Brazilian agribusiness with innovative credit solutions and strategic partnerships. The company provides financial solutions to the Brazilian agribusiness sector, offering customized credit and fostering sustainable development. It focuses on delivering agile and innovative financial services to a diverse range of clients, including distributors, industries, cooperatives, and mills. The firm structures personalized financial solutions, offering partnerships that generate value and promote innovation. Their product suite includes working capital, receivables discounting, liability extension, and intracadeia credit. They operate under the regulation of the Central Bank of Brazil, ensuring security and reliability. The company obtains funding through the issuance of LCAs and CDBs, accessible to investors via digital investment platforms. They leverage technology to provide efficient and secure services, understanding the unique challenges of their clients and delivering tailored solutions.
- Oct 2024Series C$52.9M
- Nov 2022Series B$27M
- Jan 2022Series A$14.7M
- Apr 2021Seed$1.6M
#12
Series A · Fortaleza, State of Ceara · founded 2016 · 150 employees$2.3Mraised▾
Provider of an app-based lending platform for payroll loans. It provides users with a platform that mainly offers payroll loans for retirees, pensioners, and civil servants. It also offers consigned loans for retirees. Its app is available for Android and iOS users.
- Feb 2026Series A—
- May 2020Seed$2.3M
Funding & investor landscape
Notable founders
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.