Dinie is a Brazil-based fintech company founded in 2019 that provides API-first embedded lending infrastructure and B2B payment solutions for digital platforms, enabling instant credit and financial services for underserved micro, small, and medium-sized enterprises (MSMEs).[1][2][3][4] It offers products like revolving credit limits, buy-now-pay-later (BNPL) options, corporate cards, credit origination, and risk/compliance management, primarily serving the SMB fintech and payments sectors by integrating seamlessly into partners' platforms to leverage their data for quick underwriting and cash flow monitoring.[1][2][3] With $20M in total funding, including a $3.8M seed round, Dinie has achieved early growth through partnerships with major players like dLocal, positioning it as a pioneer in Brazil's embedded finance space.[2][4][5]
Dinie was founded in 2019 in São Paulo, Brazil, by Andrea Burattini, Suzy Ferreira, and Vinícius Cibim.[3][4] Co-founder Suzy Ferreira's motivation stemmed from her childhood experiences in an entrepreneurial family, where she saw relatives face exploitative interest rates leading to bankruptcy; at age eight, she vowed to fix the broken credit system for small businesses.[4] The trio built an end-to-end embedded lending platform accessible via simple API, allowing digital platforms like dLocal to become fintech lenders by using platform data for rapid credit approvals without paperwork.[1][4][5] Early traction came quickly, with a $3.8M seed round from investors like Flourish Ventures, Accion Venture Lab, K50 Ventures, Domo Invest, and Tribe Capital, and a major partnership with unicorn dLocal just one year in for embedded pay-later solutions.[2][4][5]
Dinie rides the embedded finance wave in Brazil, where open APIs, rising mobile/digital adoption, and a booming fintech ecosystem enable platforms to offer credit without building it in-house.[4] Timing is ideal amid Brazil's MSME credit gap and regulatory shifts favoring innovation, with market forces like high underserved demand and exploitative traditional lending creating tailwinds.[2][4] By empowering platforms like dLocal to lend, Dinie influences the ecosystem as a pioneer enabler, fostering fairer finance, SMB growth, and economic health in Latin America.[1][4][5]
Dinie is poised to expand with upcoming products like Dinie Credit Account and DiniePay, scaling through more unicorn partnerships and leveraging Brazil's fintech surge.[4] Trends like API proliferation and MSME digitization will propel growth, potentially evolving Dinie into a regional embedded finance leader amid increasing investor interest in Brazil.[2][4][5] As it builds on its seed momentum, Dinie could redefine credit access, echoing its founders' mission to empower the entrepreneurs once failed by the system.
Dinie has raised $4.0M in total across 1 funding round.
Dinie's investors include Across Capital Partners, BackBone Ventures, C2 Investment, Flourish Ventures, K50 Ventures, Menlo Ventures, monashees, Glenn Solomon, Pareto Holdings, Propel Venture Partners, Quona Capital, Seaya Cathay Latam Fund.
Dinie has raised $4.0M across 1 funding round. Most recently, it raised $4.0M Seed in July 2021.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Jul 1, 2021 | $4.0M Seed | Across Capital Partners, BackBone Ventures, C2 Investment, Flourish Ventures, K50 Ventures, Menlo Ventures, monashees, Glenn Solomon, Pareto Holdings, Propel Venture Partners, Quona Capital, Seaya Cathay Latam Fund, Snowflake Ventures, Trajectory Ventures, Tribe Capital, Musaab Hakami, Roland Brack |
