Paketá Crédito
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| Date | Investors | Amount | Round |
|---|---|---|---|
| N/A | €0.0 | round | |
| investor | €0.0 | round | |
| investor investor investor | €0.0 | round | |
| investor | €0.0 | round | |
* | BRL16.0m Valuation: BRL135m | Early VC | |
| Total Funding | 000k | ||
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Established in 2018 by founders Fabian Valverde, Rafael Queiroz, Ramon Valverde, Anderson Maia, and Bruno Nunes, Paketá Crédito is a Brazilian fintech focused on enhancing the financial well-being of the country's formally employed (CLT) workforce. The company provides financial products directly to employees, viewing accessible credit as a valuable corporate benefit that can improve productivity and reduce employee turnover at no cost to the partner companies.
Paketá's core business revolves around a B2B2C model, partnering with companies to offer their employees a suite of financial solutions. Its main offerings include private payroll-deducted loans, salary advances, and advances on FGTS anniversary withdrawals. Revenue is generated from the interest on these loans, with pre-fixed rates ranging from 1.8% to 3.2% per month, determined by factors like the employee's tenure with the company. The loans are funded through various means, including Credit Rights Investment Funds (FIDCs), which the company has successfully raised to expand its lending capacity.
The company operates a proprietary digital platform that serves a dual purpose. For HR departments, it's a tool to manage and offer these credit benefits seamlessly. For employees, it's a portal to access fair and responsible credit options, coupled with financial education resources designed to foster better financial habits. Beyond its direct-to-consumer brand, Paketá also licenses its platform as a white-label solution, offering a 'Consigned-as-a-Service' (CaaS) or 'Software-as-a-Service' (SaaS) model to other financial institutions, family offices, and investors who wish to offer payroll loans. This strategy has attracted significant investor confidence, evidenced by a Series A funding round led by Kinea Ventures (Itaú Unibanco's CVC fund) and Shift Capital, later extended with an investment from IOB, a business management technology firm.
Keywords: payroll loans, financial wellness, fintech, B2B2C, salary advance, employee benefits, credit platform, SaaS, FIDC, consumer lending