Radar · Alternative Lending in Sao Paulo
Best Alternative Lending Companies in Sao Paulo, Brazil
The 111 best Alternative Lending companies in Sao Paulo, Brazil in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Solfácil.
By Rohit KhannaTrends & Stories
111companies tracked
$943.3Mdisclosed funding
0unicorns
56have raised
Ranked: Best Alternative Lending companies in Sao Paulo
| # | Company | Disclosed funding | Last round | Stage | Employees | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | 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 | — |
| 2 | 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 | — |
| 3 | 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 |
| 4 | 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 | — |
| 5 | WEEL Invoice factoring solution | $63M | 76 mo ago | Acquired | 76 | Shmuel Kalmus Co-Founder & CTO | — | — |
| 6 | 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 | — |
| 7 | Tino Account receivable solutions for businesses | $40M | 55 mo ago | Series A | 120 | Pedro Oliveira Co-Founder & CEO | WebflowBootstrapcore-js+21 | — |
| 8 | 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 | — |
| 9 | FinanZero Provider of an aggregator platform of loans | $32M | 27 mo ago | Series B | 70 | Kristian Jacobsson Co-Founder | Cart FunctionalityTurbopackApple iCloud Mail+24 | — |
| 10 | Bom Pra Credito Online marketplace for consumer loans | $30M | 80 mo ago | Acquired | 78 | Daniel Polistchuck Founder | WordPressMySQLPHP+31 | — |
| 11 | Pontte Online platform for property-backed loans | $29M | 70 mo ago | Series B | — | Raphael Araujo Co-Founder & CTO | WordPressMySQLPHP+20 | — |
| 12 | Sol Agora A platform providing solar energy financing solutions | $20M | 18 mo ago | Series B | — | Flavio Suchek CEO | WordPressApple iCloud MailMicrosoft 365+30 | — |
| 13 | 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 |
| 14 | 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 | — |
| 15 | 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 | — |
| 16 | REBEL Online lending platform for consumer loans | $14M | 78 mo ago | Series B | 15 | Andre Botelho Bastos Co-Founder & CFO | SalesforceSalesforce Service CloudJava+14 | — |
| 17 | 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 | — |
| 18 | Koin Provider of purchase financing solutions | $12M | 26 mo ago | Acquired | 200 | Ricardo Laureano Siqueira Founder | WordPressApple iCloud MailGoogle Workspace+17 | — |
| 19 | BLU365 Provider of a debt settlement platform | $9M | 64 mo ago | Seed | 41 | Alexandre Lara Co-Founder & CEO | WordPressMySQLPHP+28 | — |
| 20 | Paketa Online marketplace for payroll loans | $8M | 40 mo ago | Series A | 68 | Fabian Valverde CEO | DudaApple iCloud MailMicrosoft 365+23 | — |
| 21 | Juvo Credito Provider of personal credit loan services | $8M | 40 mo ago | Series A | — | Steve Polsky CEO | PHPBootstrapVue.js+17 | — |
| 22 | Agro Platform offering credit for farmers | $6M | 29 mo ago | Series A | 46 | Rodrigo Almeida Co-Founder | — | — |
| 23 | Credituz Provider of a credit management platform for the real estate sector | $5M | 13 mo ago | Seed | — | Pedro Braz Co-Founder | — | — |
| 24 | Supersim Provider of online personal microloans | $5M | 53 mo ago | Series A | 196 | Bernardo Silva COO & Co-Founder | WordPressWixApple iCloud Mail+17 | — |
| 25 | Quasar Flash Dynamic discounting receivables solutions for businesses | $5M | 68 mo ago | Series A | — | Carlos Maggioli Founder & CEO | — | — |
| 26 | 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 | — |
| 27 | Scalable Online marketplace offering loans for SaaS businesses and also allowing lenders to lend | $4M | 37 mo ago | Funding Raised | 6 | — | — | — |
| 28 | 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 | — |
| 29 | Dinie Online marketplace for business credit lines | $4M | 16 mo ago | Seed | 17 | Andrea Burattini Founder | SentryNode.jsJava+18 | — |
| 30 | TuTu Digital Online P2P lending platform | $4M | 44 mo ago | Seed | — | Alan Martins CEO & ex-Co-Founder | Facebook LoginGoogle Sign-inElement UI+18 | — |
| 31 | Openbox Provider of an AI-based marketplace for connecting banks and businesses | $4M | 44 mo ago | Series A | 5 | — | WordPressMySQLPHP+19 | — |
| 32 | Divibank Online platform for revenue-based financing | $4M | 14 mo ago | Series A | 46 | Jaime Taboada Co-Founder & CEO | WebflowAmazon Web ServicesSvelte+21 | — |
| 33 | QueroQuitar Online platform for debt settlement | $3M | 53 mo ago | Seed | 64 | — | Cart FunctionalityElement UITailwind CSS+22 | — |
| 34 | Agroforte Provider of an online personal credit line platform for farmers | $2M | 44 mo ago | Seed | 30 | — | Node.jsYouTubeNext.js+16 | — |
| 35 | PayHop Platform offering financing solution for retail merchants | $2M | 28 mo ago | Seed | — | Eduardo Rossi Co-founder & CEO | WordPressMySQLPHP+23 | — |
| 36 | Adianta Online invoice factoring platform | $2M | 88 mo ago | Acquired | 18 | — | — | — |
| 37 | EmpreX Online marketplace offering personal loan refinancing | $2M | 26 mo ago | Seed | 17 | — | WordPress Block EditorElementorWordPress+22 | — |
| 38 | Zen Finance White-label solution enabling online stores to offer line of credit | $2M | 86 mo ago | Deadpooled | — | Jorge Neto Founder & CEO | — | — |
| 39 | Money Money Invest App-based lending platform for working capital loans | $1M | 51 mo ago | Acquired | 38 | Marcos Travassos Co-Founder & CEO | SentryNode.jsMUI+20 | — |
| 40 | Click Cash App-based lending solution for personal loans | $1M | 75 mo ago | Deadpooled | 13 | — | — | — |
| 41 | Noverde Mobile-app based installment loans | $1M | 103 mo ago | Acquired | 79 | Bernardo Luca Co-founder & CFO | Node.jsSalesforceBootstrap+25 | — |
| 42 | Creditoo Online marketplace for payday loans | $1M | 90 mo ago | Acquired | 60 | — | — | — |
| 43 | 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 |
| 44 | Nexoos P2P lending platform for SME loans | $519K | 95 mo ago | Seed | 72 | Murilo Bassora Co-Founder & CTO | Apple iCloud MailRubyBootstrap+24 | — |
| 45 | AutoBanking Provider of automotive financing solutions to consumers | $356K | 21 mo ago | Seed | — | Fredy Evangelista Co-Founder | WordPressMySQLPHP+19 | — |
| 46 | Payssego Online lending platform offering an on-demand salary | $295K | 25 mo ago | Seed | — | Antoine Fougeat Co-Founder & CEO | AstroHSTSCloudflare Bot Management+3 | — |
| 47 | Finplace Online lending marketplace offering business loans | $285K | 28 mo ago | Seed | 31 | Felipe Avelar Founder & CEO | — | — |
| 48 | Axxes Saúde Financial solutions for healthcare sectors | $284K | 55 mo ago | Seed | 5 | Luiz Marques Co-Founder | — | — |
| 49 | Intoo Lending platform for Small Businesses | $126K | 134 mo ago | Seed | — | Arthur Farache Co-Founder & CEO | — | — |
Top 12 Alternative Lending companies in Sao Paulo
#1
Series B · Sao Paulo, Brazil · founded 2019 · 72 employees$63Mraised▾
Series B · Sao Paulo, Brazil · founded 2019 · 72 employees
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.
Fliar Intelligence Index™ 67how this company ranks against its industry peers
Moat
top 22%Global
top 25%Funding
top 28%Growth
top 28%Talent
top 38%Tech
top 50%Moat: Editorial + unicorn rating 8/10 · Soonicorn
Global: Serving 60+ countries worldwide · Investors from 2 countries beyond Brazil · Tagged global-market in registry data
Funding: Raised $63.0M across 5 rounds · 5 rounds over 6 yrs (0.8/yr) · Last round Series B (Mar 2026)
Audience (LinkedIn): 19k LinkedIn followers — 2.5% of this cohort's audience
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Sales Development Representative (SDR), Integration Manager Responsável
Funding rounds
- Mar 2026Series B—
- Jun 2024Series B$4.7M
- Jan 2022Series B$16.3M
- May 2021Series A$35M
Founders & team
Investors
E3 Negocios, Paysecure, Accial Capital, Mouro Capital, Movile, BTG Pactual
Tech stack
Cart FunctionalityCloudflareGoogle WorkspaceHstsHttp/3Hubspot
#2
Series B · Sao Paulo, Brazil · founded 2019 · 58 employees$16.1Mraised▾
Series B · Sao Paulo, Brazil · founded 2019 · 58 employees
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.
Fliar Intelligence Index™ 69how this company ranks against its industry peers
Growth
top 20%News
top 29%Tech
top 32%Funding
top 33%Moat
top 39%Product
top 46%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 · Top themes: Fundraising, Funding
Tech: 40 technologies across 5/8 capability areas · Cloud: Amazon Alb, Amazon Cloudfront · Observability: New Relic
Audience (LinkedIn): 18k LinkedIn followers — 2.4% of this cohort's audience
Funding rounds
- Feb 2026Series B$42.3M
- Jun 2022Series A$16M
- Aug 2019Seed$150K
Founders & team
Investors
Tiger Global Management, Y Combinator, Volpe Capital, Rainfall Ventures, Globo Ventures, Hummingbird Ventures
Tech stack
Amazon AlbAmazon CloudfrontAmazon S3Amazon Web ServicesCloudflareCloudflare Browser Insights
#3
Series C · Sao Paulo, State of Sao Paulo · founded 2018$176.3Mraised▾
Series C · Sao Paulo, State of Sao Paulo · founded 2018
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.
Fliar Intelligence Index™ 60how this company ranks against its industry peers
Funding
top 22%Moat
top 22%Tech
top 26%Growth
top 35%Talent
top 38%Global
bottom 38%Funding: Raised $176M across 7 rounds · 7 rounds over 8 yrs (0.9/yr) · Last round Conventional Debt (Feb 2025)
Moat: Editorial + unicorn rating 8/10 · Soonicorn
Tech: 57 technologies across 4/8 capability areas · Cloud: Cloudflare · Security: Cloudflare Bot Management, Hsts
Audience (LinkedIn): 66k LinkedIn followers — 8.9% of this cohort's audience
Funding rounds
- Feb 2025Conventional Debt$170M
- Oct 2024Series C$11.2M
- Sep 2022Series C$30M
- Apr 2022Series C$100.3M
Founders & team
Investors
QED Investors, Valor Capital Group, SoftBank Group, VEF, Fifth Wall, Distrito
Tech stack
AdoptApple Icloud MailCloudflareCloudflare Bot ManagementCore-JsElementor
#4
Seed · Sao Paulo, State of Sao Paulo · founded 2023$12.6Mraised▾
Seed · Sao Paulo, State of Sao Paulo · founded 2023
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.
Fliar Intelligence Index™ 37how this company ranks against its industry peers
Growth
top 35%Tech
top 44%Funding
top 45%Talent
bottom 49%Global
bottom 48%Market
bottom 25%Growth: Fresh capital in last 24 mo
Tech: 24 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 · Observability: New Relic, Sentry
Funding: Raised $12.6M across 2 rounds · 2 rounds over 1 yrs (2.0/yr) · Last round Conventional Debt (Dec 2025)
Audience (LinkedIn): 812 LinkedIn followers
Funding rounds
- Dec 2025Conventional Debt$10M
- Apr 2025Seed$2.6M
- Apr 2025Conventional Debt—
Founders & team
Investors
Magma Partners, Latitud, Galapagos Capital
Tech stack
Amazon CloudfrontAmazon S3Amazon SesAmazon Web ServicesGoogle Font ApiGoogle Workspace
#5
Seed · Sao Paulo, State of Sao Paulo · founded 2024$4.5Mraised▾
Seed · Sao Paulo, State of Sao Paulo · founded 2024
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.
Fliar Intelligence Index™ 55how this company ranks against its industry peers
Talent
top 25%Global
bottom 48%Funding
bottom 46%Tech
bottom 41%Talent: 6 named leaders on record
Global: Investors from 2 countries beyond Brazil
Funding: Raised $4.5M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) · Last round Seed (Mar 2026)
Funding rounds
- Mar 2026Seed$4.5M
Founders & team
Investors
14B, Big Bets, Nameless, BFF, Norte Ventures
Tech stack
Apple Icloud MailFramer SitesGoogle AnalyticsGoogle Font ApiGoogle WorkspaceHsts
#6
Series A · Sao Paulo, State of Sao Paulo · founded 2019 · 21 employees$3.8Mraised▾
Series A · Sao Paulo, State of Sao Paulo · founded 2019 · 21 employees
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.
Fliar Intelligence Index™ 9how this company ranks against its industry peers
Funding
top 41%Tech
bottom 41%Global
bottom 36%Market
bottom 18%Funding: Raised $3.8M across 5 rounds · 5 rounds over 5 yrs (1.0/yr) · Last round Conventional Debt (Jan 2026)
Tech: 24 technologies across 3/8 capability areas · Cloud: Cloudflare · Security: Hsts
Global: Investors from 1 country beyond Brazil
Audience (LinkedIn): 6k LinkedIn followers
Funding rounds
- Jan 2026Conventional Debt$22.5M
- Feb 2025Conventional Debt$17.5M
- Apr 2024Series A$1.5M
- Mar 2022Seed$1.2M
Investors
Bertha Capital, ABSeed, Caravela Capital, Scalexopen, Credit Saison, Itau BBA
#7
Series B · Sao Paulo, State of Sao Paulo · founded 2017 · 165 employees$15Mraised▾
Series B · Sao Paulo, State of Sao Paulo · founded 2017 · 165 employees
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.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
Tech
top 29%Funding
top 33%Growth
top 38%Talent
top 38%Customers
top 40%Market
top 46%Tech: 44 technologies across 6/8 capability areas · Cloud: Cloudflare · Devops: Envoy
Funding: Raised $15.0M across 2 rounds · 2 rounds over 2 yrs (1.0/yr) · Last round Series B (Sep 2025)
Growth: App-install growth +71% YoY · Fresh capital in last 24 mo
Audience (LinkedIn): 14k LinkedIn followers
Funding rounds
- Sep 2025Series B$21.8M
- Apr 2024Series A$15M
Founders & team
Investors
PayPal Ventures, NFX, Globo Ventures, Clocktower Ventures, FJ Labs, Norte Ventures
Tech stack
AmplitudeAnimate.CssCdnjsCloudflareCloudflare Bot ManagementCore-Js
#8
Series C · Sao Paulo, State of Sao Paulo · founded 2020 · 43 employees$96.2Mraised▾
Series C · Sao Paulo, State of Sao Paulo · founded 2020 · 43 employees
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.
Fliar Intelligence Index™ 32how this company ranks against its industry peers
Talent
top 23%Funding
top 26%Growth
bottom 42%Global
bottom 38%Tech
bottom 33%Market
bottom 31%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) · Last round Series C (Oct 2024)
Growth: Fresh capital in last 24 mo
Audience (LinkedIn): 14k LinkedIn followers
Funding rounds
- Oct 2024Series C$52.9M
- Nov 2022Series B$27M
- Jan 2022Series A$14.7M
- Apr 2021Seed$1.6M
Founders & team
Investors
SP Ventures, Barn Invest, Continental Grain Company, Provence Ventures, Lightrock, Provence Capital
#9
Funding Raised · Sao Paulo, State of Sao Paulo · founded 2001 · 462 employees$86.1Mraised▾
Funding Raised · Sao Paulo, State of Sao Paulo · founded 2001 · 462 employees
Pravaler provides an online lending platform for education loans. It provides education loans for domestic and international universities. It also provides scholarship programs to reduce tuition loans. Students can apply loans for courses such as Bachelor's programs, Master's programs, non-technical courses, and more.
Fliar Intelligence Index™ 72how this company ranks against its industry peers
Tech
top 21%Funding
top 31%Growth
top 35%Market
top 36%Product
top 47%Talent
bottom 49%Tech: 72 technologies across 5/8 capability areas · Cloud: Amazon S3, Amazon Web Services · Observability: Microsoft Clarity, New Relic
Funding: Raised $86.1M across 2 rounds · 2 rounds over 4 yrs (0.5/yr) · Last round Conventional Debt (Nov 2024)
Growth: Fresh capital in last 24 mo
Audience (LinkedIn): 216k LinkedIn followers — 29.4% of this cohort's audience
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Nov 2024Conventional Debt$75M
- Jul 2022ICO$11.1M
Founders & team
Investors
Provence Capital, Ribbit Capital, Victoria Capital Partners
Tech stack
Amazon AdvertisingAmazon S3Amazon Web ServicesAmazon WebstoreAmplitudeApple Icloud Mail
#10
Acquired · Sao Paulo, State of Sao Paulo · founded 2019 · 218 employees$85.5Mraised▾
Acquired · Sao Paulo, State of Sao Paulo · founded 2019 · 218 employees
Online platform for vehicle fine and tax loans. It offers a solution that enables drivers to obtain financing for vehicles fines. It enables users to split fines into monthly payments. It features vehicle monitoring, real-time alerts on repayments, fines, and scores.
Fliar Intelligence Index™ 69how this company ranks against its industry peers
Customers
top 7%Tech
top 26%Funding
top 28%Market
top 37%Talent
top 38%Product
top 42%Customers: Play-Store rating 4.86★ across 943,779 ratings (1 apps)
Tech: 53 technologies across 5/8 capability areas · Cloud: Cloudflare, Google Cloud · Observability: Microsoft Clarity
Funding: Raised $85.5M across 4 rounds · 4 rounds over 6 yrs (0.7/yr) · Last round Series C (Sep 2024)
Funding rounds
- Sep 2024Series C$12.4M
- Sep 2023Series C$30.1M
- 2022Series B$35M
- Oct 2021Series A$8M
Founders & team
Investors
Kaszek, Global Founders Capital, Onevc, Moore Capital, Valor Capital Group, VEF
Tech stack
AdjustAnimate.CssBrazeClearsaleCloudflareCloudflare Bot Management
#11
Series A · Sao Paulo, State of Sao Paulo · founded 2020 · 78 employees$37.1Mraised▾
Series A · Sao Paulo, State of Sao Paulo · founded 2020 · 78 employees
Online lending platform for educational institutions. It offers financing solutions to schools by using the tuition fee receipts as a guarantee. The funds can be used for expansion, renovations, and investments.
Fliar Intelligence Index™ 55how this company ranks against its industry peers
Tech
top 28%Funding
top 34%Growth
top 35%Talent
bottom 49%Market
bottom 40%Global
bottom 36%Tech: 53 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon Ses · Observability: Microsoft Clarity, Sentry
Funding: Raised $37.1M across 3 rounds · 3 rounds over 4 yrs (0.8/yr) · Last round Conventional Debt (Nov 2024)
Growth: Fresh capital in last 24 mo
Audience (LinkedIn): 17k LinkedIn followers — 2.3% of this cohort's audience
Funding rounds
- Nov 2024Conventional Debt$14.5M
- Aug 2023Conventional Debt$14.2M
- Jul 2022Series A$37.1M
Founders & team
Investors
Vasta Educação, Marrakech, Itau BBA
Tech stack
Amazon CloudfrontAmazon SesAmazon Web ServicesAmplitudeApple Icloud MailBetterdocs
#12
Series B · Sao Paulo, State of Sao Paulo · founded 2022$20Mraised▾
Series B · Sao Paulo, State of Sao Paulo · founded 2022
A platform providing solar energy financing solutions. It finances solar energy projects and promotes the adoption of renewable energy sources. The platform offers a range of products and services for the development of solar energy projects, including financing options and project development services.
LinkedIn Pulse recent public activity · Jul 2026
Audience: 11k LinkedIn followers
Funding rounds
- Dec 2024Series B$20M
Founders & team
Investors
IFC
Tech stack
Amazon SesAmazon Web ServicesApple Icloud MailBootstrapBootstrap IconsCdnjs
Funding & investor landscape
$943.3Mtotal disclosed funding
50companies funded
105disclosed rounds
1rounds last 90 days
Most active investors
Notable founders
Andre Wetter
Co-Founder · A55
Hugo Mathecowitsch
Co-Founder & CEO · A55
Andre Bernardes
Co-Founder / CEO · Zippi
Roger Alves
Co-Founder · Solfácil
Guillaume Tiret
Co-Founder & CFO · Solfácil
Luiz Bettega
Co-Founder · Altis
Kyle T
Founder · Core AI
Fernando Martins
Co-Founder · Core AI
Theo Ramalho
Co-Founder & COO · Ume
Berthier Ribeiro
CEO · Ume
Carlos Fagundes
Co-Founder & CSO · Agrolend
Leopoldo Vettor
Co-founder & CTO · Agrolend
Prism market signals · Brazil · country-scoped Prism corpus, 1,500,631 docs
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
How many Alternative Lending companies are there in Sao Paulo, Brazil?
Radar tracks 111 indexable Alternative Lending companies headquartered in Sao Paulo, Brazil that meet our profile-completeness bar.
What is the total funding raised by Alternative Lending companies in Sao Paulo, Brazil?
The Alternative Lending companies in Sao Paulo, Brazil on this list have raised a combined $943.3M in disclosed equity funding across 50 funded companies.
Which is the highest-funded Alternative Lending company in Sao Paulo, Brazil?
Solfácil is the highest-funded Alternative Lending company in Sao Paulo, Brazil, with $176.3M in disclosed equity funding.
How many Alternative Lending companies in Sao Paulo, Brazil are funded?
50 of the 111 Alternative Lending companies in Sao Paulo, Brazil on this list have disclosed at least one equity funding round.
How many Alternative Lending unicorns are there in Sao Paulo, Brazil?
None of the Alternative Lending companies in Sao Paulo, Brazil on this list currently has a disclosed valuation of $1B or more.
Who are the top investors in Sao Paulo, Brazil Alternative Lending companies?
The most active investors in Sao Paulo, Brazil Alternative Lending companies on this list include Canary, Monashees, Spectra Investments, Valor Capital Group, Apoema Hub.
Rohit KhannaTrends & Stories
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.