Best Alternative Lending Companies in State of Sao Paulo, Brazil
The 95 best Alternative Lending companies in State of Sao Paulo, Brazil in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Creditas.
Ranked: Best Alternative Lending companies in State of Sao Paulo
| # | 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 | Tino Account receivable solutions for businesses | $40M | 55 mo ago | Series A | 120 | Pedro Oliveira Co-Founder & CEO | WebflowBootstrapcore-js+21 | — |
| 7 | 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 | — |
| 8 | Pontte Online platform for property-backed loans | $29M | 70 mo ago | Series B | — | Raphael Araujo Co-Founder & CTO | WordPressMySQLPHP+20 | — |
| 9 | Sol Agora A platform providing solar energy financing solutions | $20M | 18 mo ago | Series B | — | Flavio Suchek CEO | WordPressApple iCloud MailMicrosoft 365+30 | — |
| 10 | Facio App-based platform for payroll loans | $18M | 22 mo ago | Series B | 38 | Ticiano Vieira Co-Founder | MUIBootstrapReact+21 | — |
| 11 | 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 | — |
| 12 | 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 | — |
| 13 | 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 |
| 14 | Paketa Online marketplace for payroll loans | $8M | 40 mo ago | Series A | 68 | Fabian Valverde CEO | DudaApple iCloud MailMicrosoft 365+23 | — |
| 15 | Juvo Credito Provider of personal credit loan services | $8M | 40 mo ago | Series A | — | Steve Polsky CEO | PHPBootstrapVue.js+17 | — |
| 16 | Agro Platform offering credit for farmers | $6M | 29 mo ago | Series A | 46 | Rodrigo Almeida Co-Founder | — | — |
| 17 | Credituz Provider of a credit management platform for the real estate sector | $5M | 13 mo ago | Seed | — | Pedro Braz Co-Founder | — | — |
| 18 | Supersim Provider of online personal microloans | $5M | 53 mo ago | Series A | 196 | Bernardo Silva COO & Co-Founder | WordPressWixApple iCloud Mail+17 | — |
| 19 | Quasar Flash Dynamic discounting receivables solutions for businesses | $5M | 68 mo ago | Series A | — | Carlos Maggioli Founder & CEO | — | — |
| 20 | 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 | — |
| 21 | Scalable Online marketplace offering loans for SaaS businesses and also allowing lenders to lend | $4M | 37 mo ago | Funding Raised | 6 | — | — | — |
| 22 | 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 | — |
| 23 | Dinie Online marketplace for business credit lines | $4M | 16 mo ago | Seed | 17 | Andrea Burattini Founder | SentryNode.jsJava+18 | — |
| 24 | TuTu Digital Online P2P lending platform | $4M | 44 mo ago | Seed | — | Alan Martins CEO & ex-Co-Founder | Facebook LoginGoogle Sign-inElement UI+18 | — |
| 25 | Openbox Provider of an AI-based marketplace for connecting banks and businesses | $4M | 44 mo ago | Series A | 5 | — | WordPressMySQLPHP+19 | — |
| 26 | Divibank Online platform for revenue-based financing | $4M | 14 mo ago | Series A | 46 | Jaime Taboada Co-Founder & CEO | WebflowAmazon Web ServicesSvelte+21 | — |
| 27 | Agroforte Provider of an online personal credit line platform for farmers | $2M | 44 mo ago | Seed | 30 | — | Node.jsYouTubeNext.js+16 | — |
| 28 | PayHop Platform offering financing solution for retail merchants | $2M | 28 mo ago | Seed | — | Eduardo Rossi Co-founder & CEO | WordPressMySQLPHP+23 | — |
| 29 | EmpreX Online marketplace offering personal loan refinancing | $2M | 26 mo ago | Seed | 17 | — | WordPress Block EditorElementorWordPress+22 | — |
| 30 | 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 | — |
| 31 | 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 | — |
| 32 | Click Cash App-based lending solution for personal loans | $1M | 75 mo ago | Deadpooled | 13 | — | — | — |
| 33 | 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 |
| 34 | AutoBanking Provider of automotive financing solutions to consumers | $356K | 21 mo ago | Seed | — | Fredy Evangelista Co-Founder | WordPressMySQLPHP+19 | — |
| 35 | Peak Invest P2B lending platform | $321K | 83 mo ago | Seed | 27 | Diego Martins Pereira Cto & Co-Founder | WordPressMySQLPHP+23 | — |
| 36 | Payssego Online lending platform offering an on-demand salary | $295K | 25 mo ago | Seed | — | Antoine Fougeat Co-Founder & CEO | AstroHSTSCloudflare Bot Management+3 | — |
| 37 | Finplace Online lending marketplace offering business loans | $285K | 28 mo ago | Seed | 31 | Felipe Avelar Founder & CEO | — | — |
| 38 | Axxes Saúde Financial solutions for healthcare sectors | $284K | 55 mo ago | Seed | 5 | Luiz Marques Co-Founder | — | — |
| 39 | Dr. Cash Online purchase financing platform for medical bills | $281K | 42 mo ago | Series A | 104 | Lucas Hamu Co-Founder & CEO | WordPress Block EditorElementorWordPress+21 | — |
Top 12 Alternative Lending companies in State of Sao Paulo
#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 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
#3
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—
#4
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
#5
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
#6
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
#7
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
#8
Funding Raised · Sao Paulo, State of Sao Paulo · founded 2001 · 462 employees$86.1Mraised▾
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.
- Nov 2024Conventional Debt$75M
- Jul 2022ICO$11.1M
#9
Acquired · Sao Paulo, State of Sao Paulo · founded 2019 · 218 employees$85.5Mraised▾
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.
- Sep 2024Series C$12.4M
- Sep 2023Series C$30.1M
- 2022Series B$35M
- Oct 2021Series A$8M
#10
Series A · Sao Paulo, State of Sao Paulo · founded 2020 · 78 employees$37.1Mraised▾
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.
- Nov 2024Conventional Debt$14.5M
- Aug 2023Conventional Debt$14.2M
- Jul 2022Series A$37.1M
#11
Seed · Olimpia, State of Sao Paulo · founded 2025$1.8Mraised▾
Provider of a white-label platform for worker credit origination and management. The platform offers modular integration of technology, risk management, and operations. It facilitates credit offerings with features including onboarding, credit decisioning, fraud prevention, and electronic signatures. Post-sales support is also provided.
- Oct 2025Seed$1.8M
#12
Series B · Sao Paulo, State of Sao Paulo · founded 2022$20Mraised▾
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.
- Dec 2024Series B$20M
Funding & investor landscape
Notable founders
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
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