“Can a Brazilian SMB ERP become the operating account, credit line, and payment rail for 4% of Brazil's GDP?”
Founded 2013 as a cloud ERP for Brazilian SMBs distributed through accounting firms. After SoftBank's R$580M check in 2021, Omie explicitly pivoted toward becoming an 'ERP Banking' platform — acquiring credit fintech Ergoncredit in 2022, launching its native Omie.Cash / Omie.Bank digital PJ account, and stacking working-capital lending, boleto, Pix and payment orchestration on top of the ERP. The 2025 Partners Group round funds this bundle: gestão + conta PJ + crédito + meios de pagamento as one product.
Omie discloses Omie Instituição de Pagamento Ltda. (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Omie does not disclose a bank charter of its own; its banking services are provided through Omie Instituição de Pagamento Ltda. (in-house).
Omie processes payments through Omie.Cash (self-operated), Omie.Bank (self-operated), Shipay and POS Controle. Disclosed money-movement rails: Pix.
Omie's lending and capital products are provided by WorkCapital and Ergoncredit (in-house).
Omie integrates with Painel do Contador (native accountant portal), OneFlow (Omie's own accounting system), Omie APIs (SOAP / JSON), Omie.Store marketplace integrations and Omie.Hub (marketplace / e-commerce integrations).
The Embedded Finance Index 2026 maps 5 layers in Omie's stack: Payments / PSP (Omie.Cash (self-operated), Omie.Bank (self-operated), Shipay and POS Controle); Money movement (Pix); Banking / BaaS (Omie Instituição de Pagamento Ltda. (in-house)); Lending (WorkCapital, Ergoncredit (in-house), Empréstimo empresarial dentro do ERP (via WorkCapital partnership), Antecipação de recebíveis (boleto and card) and 1 other); Accounting (Painel do Contador (native accountant portal), OneFlow (Omie's own accounting system), Omie APIs (SOAP / JSON), Omie.Store marketplace integrations and 1 other).
Omie was founded by Marcelo Lombardo and is founded in 2013, headquartered in São Paulo, Brazil.
Omie has raised $505.8M in total (latest round: Series D, 2025; valuation: $700M (2025)).
Omie's acquisitions include Ergoncredit (2022).
Get a read on where your own stack stands against Omie and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.