Omni&Co
“Can a legacy Brazilian vehicle-finance specialist become the credit backbone for underserved classes C/D/E across auto, microcredit, insurance and banking?”
Founded1994
HQSão Paulo, Brazil
Total raisedBRL 300M (disclosed)
IndustryFintech / Lending
The story
Founded 1994 in Brazil as a regional vehicle-finance company (Local S.A., renamed Omni in 1999) focused on classes C/D/E. Expanded from monoline auto finance into a multi-entity conglomerate — in 2023 it consolidated Omni (auto), Finsol (microcredit), Omni1 (insurance brokerage) and Instituto Omni under the Omni&Co brand. In parallel, Omni Banco was chartered as a banco múltiplo, adding payments (Pix), PJ/PF checking accounts and a co-branded Trigg credit card — turning what was a specialty lender into a full-stack embedded-credit ecosystem.
Product timeline
1994
Founded as Local S.A., offering vehicle financing· banking
1999
Rebranded to Omni· pivot
2023
Formed the Omni&Co ecosystem uniting Omni (vehicle finance), Finsol (microcredit), Omni1 (insurance brokerage) and Instituto Omni· acquisition
2025
Omni Banco (banco múltiplo) operating with Pix payments and PJ/PF checking accounts· banking
Regulated entities
5
regulatory licences held by Omni&Co
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
6 layers disclosed in Omni&Co’s embedded-finance stack
Payments / PSP
Omni Banco (in-house, Pix)
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Insurance
in the full report
Accounting gap: none
17 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.