Bom Pra Crédito
“Can a Brazilian credit marketplace transcend personal loans and become the country's default embedded-credit distribution layer across e-commerce, MEIs, and secured lending?”
Founded2013
HQSão Paulo, Brazil
Total raised$16.1M
IndustryFintech / Lending
The story
Founded in 2013 as Brazil's first online credit marketplace connecting borrowers to 60+ financial institutions. Historically dominated by personal loans (~90% of operations as of early 2024), the company has aggressively pivoted toward becoming a broader financial wallet — adding secured lending (real estate, vehicle, mobile collateral), MEI/autonomous credit, salary advance, and CDC embedded at e-commerce checkout. Open Finance is a stated strategic pillar for the next growth phase.
Product timeline
2013
Founded as Brazil's first online credit marketplace· launch
2021
Launched CDC (consumer direct credit) inside e-commerce checkouts and investment funds platform· lending
2024
Pivoted from ~90% personal loans toward a broader financial wallet: secured loans (real estate, vehicle, mobile), MEI/self-employed credit, salary advance· pivot
Regulated entities
1
regulatory licence held by Bom Pra Crédito
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Bom Pra Crédito’s embedded-finance stack
Payments / PSP
BomPraCredito CDC (self-operated)
Lending
in the full report
Accounting
in the full report
Accounting gap: none
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.