← Embedded Finance Index 2026

Provu

“Can a Brazilian online lender become a checkout-embedded payment method by combining BNPL with SCD-licensed digital credit?”

HQSão Paulo, Brazil
Total raised$256M+ (disclosed)
Latest roundCredit Rights Investment Fund (FIDC) led by Goldman Sachs
IndustryFintech / Lending

The story

Provu is the Brazilian rebranding of Lendico, originally focused on online personal lending in Brazil. The company pivoted toward becoming a 'payment method at checkout' by launching a BNPL product after obtaining an SCD license from the Brazilian Central Bank, which permits digital participative loan operations. It positions itself as both a personal credit lender and a BNPL payment option integrated into Brazilian e-commerce platforms (VTEX, Nuvemshop) and physical retail (via POS partnerships).

Last 12 months

—

Product timeline

2022

Launched BNPL (installment invoice) product, integrating with Brazilian e-commerce platforms VTEX and Nuvemshop.· lending

2022

Adopted Provenir AI-based risk decision-making platform for credit underwriting.· lending

2022

Launched BNPL-focused POS for brick-and-mortar retail with MarketUP and ABL Group as sub-acquirer.· lending

Regulated entities

regulatory licence held by Provu

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

The stack

2 layers disclosed in Provu’s embedded-finance stack

Payments / PSP

Provu BNPL (self-operated)

Lending

in the full report

Accounting gap: none

4 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Provu — frequently asked

Who is Provu's payment processor?

Provu processes payments through Provu BNPL (self-operated).

Who provides Provu's lending?

Provu's lending and capital products are provided by Provu (in-house, SCD licensed).

What is Provu's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Provu's stack: Payments / PSP (Provu BNPL (self-operated)); Lending (Provu (in-house, SCD licensed), Provu personal loans, Provu BNPL (checkout) and Provu BNPL POS (brick-and-mortar retail)).

Where is Provu headquartered?

Provu is headquartered in São Paulo, Brazil.

How much funding has Provu raised?

Provu has raised $256M+ (disclosed) in total (latest round: Credit Rights Investment Fund (FIDC) led by Goldman Sachs).

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