“Can a vertically integrated solar ecosystem — financing, distribution, insurance, and IoT — become the operating system for every solar integrator in Latin America?”
Founded 2018 as Brazil's first solar-focused fintech, Solfácil built a lending platform for residential PV financing distributed via a network of solar integrators. It has since evolved into a full 'solar ecosystem' bundling equipment distribution (Solfácil Distribuidora), insurance, IoT monitoring hardware (Solfácil Smart), and financing — becoming a vertically integrated platform for integrators. Regulatory-wise, it obtained its own SCFI license (Solfácil SCD S.A.) to originate loans directly, while continuing to distribute credit as a banking correspondent for partner banks (Socinal, BMP, QI, Aymoré/Santander, Descarbonize). Recent product expansion into BESS financing and AI-driven monitoring signals a move upmarket into C&I and agribusiness.
Solfácil discloses SOCINAL S.A. Crédito, Financiamento e Investimento, BMP Sociedade de Crédito Direto S.A., QI Sociedade de Crédito Direto S.A., Aymoré Crédito, Financiamento e Investimento S.A., Descarbonize Soluções S.A., Solfácil Sociedade de Crédito, Financiamento e Investimento S.A. (in-house) as its sponsor bank, according to the Embedded Finance Index 2026.
Solfácil does not disclose a bank charter of its own; its banking services are provided through SOCINAL S.A. Crédito, Financiamento e Investimento, BMP Sociedade de Crédito Direto S.A., QI Sociedade de Crédito Direto S.A., Aymoré Crédito, Financiamento e Investimento S.A., Descarbonize Soluções S.A., Solfácil Sociedade de Crédito, Financiamento e Investimento S.A. (in-house).
Solfácil processes payments through Boleto bancário (self-operated collections).
Solfácil's lending and capital products are provided by Solfácil Sociedade de Crédito, Financiamento e Investimento S.A. (in-house), SOCINAL S.A. Crédito, Financiamento e Investimento, BMP Sociedade de Crédito Direto S.A., QI Sociedade de Crédito Direto S.A., Aymoré Crédito, Financiamento e Investimento S.A. and Descarbonize Soluções S.A..
The Embedded Finance Index 2026 maps 3 layers in Solfácil's stack: Payments / PSP (Boleto bancário (self-operated collections)); Lending (Solfácil Sociedade de Crédito, Financiamento e Investimento S.A. (in-house), SOCINAL S.A. Crédito, Financiamento e Investimento, BMP Sociedade de Crédito Direto S.A., QI Sociedade de Crédito Direto S.A. and 7 others); Sponsor bank (SOCINAL S.A. Crédito, Financiamento e Investimento, BMP Sociedade de Crédito Direto S.A., QI Sociedade de Crédito Direto S.A., Aymoré Crédito, Financiamento e Investimento S.A., Descarbonize Soluções S.A., Solfácil Sociedade de Crédito, Financiamento e Investimento S.A. (in-house)).
Solfácil was founded by Fabio Carrara and is founded in 2018, headquartered in São Paulo, Brazil.
Get a read on where your own stack stands against Solfácil 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.