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§ Private Profile · São Paulo, Sao Paulo, Brazil
Fintech platform providing secured consumer loans, home equity, and mortgages for consumers in Brazil, using assets as collateral.
Creditas is a financial technology platform based in São Paulo, Brazil, that provides secured consumer lending and digital credit solutions using assets like real estate as collateral. The company operates a fully digital lending ecosystem encompassing lead generation, credit approval, and legal execution, offering lower-cost financing alternatives to traditional high-interest unsecured loans. To support its credit operations, the business utilizes capital markets and asset-backed investment funds rather than relying solely on traditional bank partnerships. Operating with approximately 2,000 employees, the enterprise generates around $400 million in annualized revenue and recently achieved operational profitability. The firm has raised nearly $1 billion in total funding, reaching a valuation of $4.8 billion with backing from institutional investors including SoftBank, Advent International, and Fidelity. Originally established under the name BankFacil, Creditas was founded in 2012 by Sergio Furio.
Creditas has raised $1.0B across 10 funding rounds.
Key people at Creditas.
Creditas was founded in 2012 by Sergio Furio (Founder & CEO).
Creditas has raised $1.0B in total across 10 funding rounds.
Key people at Creditas.
Creditas has raised $1.0B across 10 funding rounds. Most recently, it raised $108.0M Series G in December 2025.
| Date | Company | Round | Lead Investor(s) | Co-Investor(s) |
|---|---|---|---|---|
| Jun 9, 2020 | Yuca | $6.0M Seed | Monashees | Montage Ventures, ONEVC |
| Jan 1, 2020 | Yuca | $5.0M Seed | Monashees | 75 & Sunny, 7BC Venture Capital, Alumni Ventures, Cream City Venture Capital, Moderne Ventures, Montage Ventures, Mouro Capital, QED Investors, Rubicon VC, Viola Ventures, Barry Sternlicht, Hans Tung, Saurabh Gupta, Pedro Sorrentino |
Creditas is a leading Latin American fintech company that builds a digital platform offering secured loans, insurance, and investment products primarily in Brazil. It serves consumers and businesses by providing loans secured against assets such as homes, automobiles, and payroll, addressing the problem of limited access to affordable credit. Leveraging proprietary technology and data analytics, Creditas optimizes loan origination and risk management, enabling lower interest rates and larger loan sizes. The company has demonstrated strong growth momentum, with over 13 million credit applications processed, a valuation of approximately $4.8 billion, and a portfolio exceeding BRL 6 billion (about $1.2 billion USD)[2][3][5].
Separately, Creditas Solutions, founded in India, is a fintech company specializing in digital debt collections using machine learning and SaaS platforms to help lending institutions improve recovery rates and reduce costs. Its flagship product, Ethera, is a "Neo Collections" platform that enhances creditor-customer engagement through empathetic, contextual content and machine learning. Creditas Solutions has shown robust revenue growth and operational scale, with quarterly revenues reaching approximately $115 million USD in mid-2025[1][4].
Creditas was founded in 2012 in São Paulo, Brazil, by Sergio Furio, who initially launched BankFacil, which evolved into Creditas. The idea emerged from the need to provide secured consumer loans with better terms by using borrowers' assets as collateral, addressing the credit access gap in Latin America. Early traction included rapid growth in loan origination and capital market issuances, supported by significant equity raises totaling over BRL 4 billion (around $879 million USD)[2][3].
Creditas Solutions was established in 2015 in Gurugram, India, by Anshuman Panwar and Madan Srinivasan. The founders introduced the concept of frictionless digital debt collections, pioneering a SaaS-based platform that uses machine learning to optimize debt recovery processes for lenders. Early pivotal moments include the launch of Ethera and rapid client acquisition, leading to a growing customer base of over 30 million[1][4].
*Creditas (Latin America)*- Proprietary technology platform enabling secured loans with collateral such as real estate and vehicles- Ability to offer lower interest rates and longer maturities due to efficient risk management and multiple funding sources- Large scale with over 13 million credit applications and extensive capital market activity- Diverse product suite including loans, insurance, and investment products
*Creditas Solutions (India)*- World's first SaaS-based "Neo Collections" platform (Ethera) for digital debt recovery- Use of machine learning and empathetic, contextual communication to improve recovery success and customer experience- Scalable platform serving multiple loan types (credit cards, personal loans, auto loans)- Strong operational growth and revenue scale with a focus on reducing collection costs
Creditas rides the global fintech trend of digitalizing financial services to increase access, reduce costs, and improve customer experience. In Latin America, where credit penetration is low and interest rates are high, Creditas leverages technology and secured lending to democratize credit access, supporting economic inclusion. The timing aligns with growing digital adoption and regulatory support for fintech innovation in the region[2][5].
Creditas Solutions addresses the global challenge of inefficient debt collection by introducing digital, AI-driven platforms that transform traditional recovery processes. This aligns with broader trends in SaaS adoption, AI in finance, and customer-centric collections, helping lenders maintain portfolio health while improving borrower engagement[1][4].
For Creditas in Latin America, the future likely involves expanding product offerings, deepening penetration in underserved markets, and leveraging data analytics to refine credit risk models. Trends such as embedded finance, open banking, and digital wallets may shape their evolution, potentially broadening their ecosystem influence beyond lending into comprehensive financial services.
Creditas Solutions is positioned to capitalize on increasing demand for digital debt management solutions globally. Continued innovation in AI and machine learning, combined with expanding SaaS adoption among financial institutions, will likely drive growth. Their influence may extend by setting new standards for empathetic, technology-driven collections, improving financial health for borrowers and lenders alike.
Both entities exemplify how fintech innovation can reshape credit markets by combining technology, data, and customer-centric approaches to solve longstanding financial challenges.
Creditas was founded in 2012 by Sergio Furio (Founder & CEO).
Creditas has raised $1.0B in total across 10 funding rounds.
Creditas's investors include Andbank, Will Pruett, Amadeus Capital Partners, Chile Ventures, Headline (formerly e.ventures), Kaszek Ventures, Manresa Ventures, QED Investors, Rainfall Ventures, Red Sea Ventures, Wollef Ventures, Brian Sugar.
