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A Paketá é uma plataforma digital que atua como correspondente bancário para facilitar o processo de contratação de empréstimos. Como correspondente bancário, seguimos as diretrizes nº 3.954 de 24 de fevereiro de 2011 do Banco Central do Brasil.
Paketá has raised $2.0M across 1 funding round.
Paketá has raised $2.0M in total across 1 funding round.
Paketá has raised $2.0M in total across 1 funding round.
Paketá's investors include Shift Capital.
Paketá has raised $2.0M across 1 funding round. Most recently, it raised $2.0M Seed in December 2020.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Dec 1, 2020 | $2M Seed | — | Shift Capital | Announced |
# Paketá: A Fintech, Not a Technology Company
Paketá is a financial technology (fintech) company, not a pure technology company. While it leverages technology as a core operational tool, its primary business is delivering financial services—specifically credit products—to Brazilian workers[1].
Paketá operates as a B2B2C fintech platform that provides financial health solutions to CLT (formal employment) workers in Brazil[1]. Founded in 2018, the company specializes in three main credit products: consignado loans (payroll-deducted loans), salary advances, and FGTS withdrawal advances[1]. Rather than building technology for other companies to use, Paketá builds financial products for end consumers, distributing them through partnerships with over 2,300 companies[1].
The company serves approximately 94–121 employees and generates less than $5 million in annual revenue[1][3]. Its investor base includes Kinea Ventures (the venture capital arm of Itaú Unibanco), Shift Capital, 4Z, Milenio Capital, and IOB[1].
Paketá exemplifies the fintech-as-distribution model gaining traction in emerging markets. Rather than disrupting banking infrastructure, it works within Brazil's existing financial system—leveraging payroll deductions and FGTS (the Brazilian severance fund) as collateral mechanisms. This approach addresses a real gap: formal workers need quick, accessible credit but face friction in traditional banking channels. The company's growth to 2,300+ corporate partnerships suggests this model resonates with both employers (who offer it as a benefit) and employees (who gain financial flexibility).
Paketá's trajectory depends on deepening penetration within its corporate partner network and potentially expanding its product suite beyond credit. The company's modest revenue and employee count relative to its investor backing suggest it remains in early scaling phases. Success will hinge on unit economics—whether consignado loans and salary advances generate sufficient margins to sustain growth—and on navigating Brazil's complex financial regulations. As fintech consolidation accelerates globally, Paketá's integration with Itaú's ecosystem could position it as an acquisition target or a platform for broader financial services expansion within Brazil's formal workforce.
