Bizcapital
4 known investors
Brazilian fintech providing online working capital loans, a business account and pre-approved credit to small and medium companies.
Also known as Biz · BizCapital · BizCapital Correspondente Bancário Ltda.
Founders & leadership
Investors · 4
Also in the syndicate · 3
Company profile
researched Aug 2026BizCapital (also referred to as "Biz") is a Brazilian financial technology company headquartered in Botafogo, Rio de Janeiro, that provides credit and banking products to small and medium-sized businesses. Its core lending product, BizCred, is a working capital loan offered fully online with stated rates starting at 1.99% per month and repayment terms of up to 36 months, available to companies with an active CNPJ for more than 12 months and documented minimum monthly revenue of R$10,000. Loans are unsecured, with the company stating it does not require personal assets as collateral, and pre-offers are issued within minutes of an application, subject to document review. The website discloses a Total Effective Cost (CET) range from 2.91% per month (41.09% per year) to 6.60% per month (115.32% per year).
Alongside term credit, BizCapital offers BizConta, a business account with no monthly fee, free Pix and TED transfers, and real-time statements, and MaisBiz, a pre-approved credit line delivered inside BizConta that lets businesses pay suppliers up front to negotiate discounts and defer payments without drawing on account balances. Approval odds for MaisBiz can improve when a customer shares its card (credit and debit) receivables history. The company also runs a partner channel with a partner portal and an API, publishes a financial-education blog ("Papo Biz"), and maintains an investor relations page for its private debenture programme.
Legally, BizCapital Correspondente Bancário Ltda. (CNPJ 24.077.504/0001-78) acts as a banking correspondent rather than as a bank, distributing corporate working capital loans originated by four licensed institutions. Related entities BizCapital SCD (a direct credit society) and BizCapital Securitizadora publish separate financial statements. Ombudsman contact material on the site references an @open-co.com email domain.
Founding story
BizCapital was founded in 2016 with the stated purpose of giving Brazilian entrepreneurs access to resources to grow their businesses without bureaucracy or fine print. A 2020 press release describes the company as founded in 2016 by three seasoned entrepreneurs with one prior successful exit; Francisco Ferreira is identified as CEO and co-founder.
Business model
BizCapital originates working capital loans to Brazilian small and medium-sized companies through a fully digital application and credit-analysis flow, with credit decisions returned in minutes and no collateral required. The operating entity BizCapital Correspondente Bancário Ltda. states it is not a bank or financial institution but a banking correspondent service provider for Socinal S.A. – Crédito, Financiamento e Investimento, BMP Money Plus Sociedade de Crédito Direto S.A., Qi Sociedade de Crédito Direto S.A. and Geru Sociedade de Crédito Direto S.A., through whose platforms the 'Working Capital Loan – Corporate' product is offered. Group entities also include BizCapital SCD and BizCapital Securitizadora, which publish financial statements, and the company funds itself in part through private debenture issuances.
Revenue derives from credit intermediation and lending economics on corporate working capital loans, with disclosed borrower pricing of 1.99%–2.00% per month and up in interest and a Total Effective Cost between 2.91% and 6.60% per month depending on the company's credit profile; BizConta is offered without a monthly fee and with free Pix and TED transfers.
Traction
As of June 2020 the company reported having served more than 5,000 customers across more than 1,200 Brazilian cities. Publicly listed corporate documents include four debenture issuances (2017–2018) and financial statements for BizCapital SCD and BizCapital Securitizadora through the first half of 2025. Customer reviews published on the site are dated 2021 and 2022.
Latest developments
The investor relations page lists BizCapital SCD financial statements for the first half of 2025 (published 23/09/2025) and the second half of 2024 (31/03/2025), along with ombudsman reports covering the first half of 2025 and later periods, indicating continued regulated reporting. Current product messaging centres on BizCred working capital loans at rates from 1.99% per month for up to 36 months, the BizConta business account, and MaisBiz pre-approved credit tied to BizConta usage and shared card-receivables history.
▸Full profile — market position, technology, go-to-market, geography, history
Market position
BizCapital is described in press coverage as a Brazilian SME online lender operating in the country's small-business credit market, with backing from development finance institution DEG (KfW Group), Quona Capital, Monashees and MercadoLivre's MELI Fund.
The company positions its offer around speed and simplicity for small businesses: a fully digital application from phone or computer, credit responses in minutes, unsecured lending without requiring the borrower's home or car as collateral, fee transparency at loan closing, and no upfront payment or real guarantees requested. Distribution reach is presented as covering more than half of Brazil's municipalities. As of 2020, DEG characterised the model as a tech-driven online lending approach to SME financing.
Technology
A digital lending platform supporting online simulation, application and document submission from mobile or desktop, automated credit analysis returning pre-offers within minutes, a mobile app for BizConta with real-time Pix statements, use of card receivables data in credit assessment, and an API for partners.
Go-to-market
Direct online acquisition through the company's website and mobile app, including a free loan simulator and an online application, combined with a partner/banking-correspondent channel supported by a partner area, partner help resources and an API. The company also uses content marketing via its Papo Biz blog and publishes customer testimonials and customer stories.
Brazilian micro, small and medium-sized enterprises, including companies with an active CNPJ for over 12 months and minimum documented monthly revenue of R$10,000; customer examples cited include insurance brokerage, hardware retail and food businesses.
Geography
Brazil-focused, with headquarters at Rua Arnaldo Quintela, 96, 8th floor, Botafogo, Rio de Janeiro (22280-070) and customer-service phone lines in Rio de Janeiro and São Paulo area codes. In 2020 the company reported serving customers in more than 1,200 Brazilian cities; its site states it operates in more than half of the country's municipalities.
History
The company was founded in 2016 and, according to a press release, by three entrepreneurs with one prior successful exit. It began private debenture issuances in 2017 (four issuances between July 2017 and June 2018) and raised institutional equity from January 2018 onward: a seed round from Monashees, Chromo Invest and 42K Investments, a $5 million Series A led by Quona Capital in September 2018, and a $12 million Series B led by DEG with participation from MercadoLivre's MELI Fund in June 2020. Product scope expanded from term lending (BizCred) into a business current account (BizConta) and pre-approved credit (MaisBiz). Financial statements for BizCapital SCD are published through the first half of 2025, and ombudsman reports through 2026.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 2
launches, deals, and filingsBizCapital raised a seed round in January 2018 from Monashees, Chromo Invest and 42K Investments.
Deed for BizCapital's 1st private debenture issuance dated 04/07/2017; the company states it only carries out private debenture issuances, with deeds registered at JUCERJA.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 8
primary sources listed
- Bizcapitalbizcapital.com.br · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Bizcapital do?
- Brazilian fintech providing online working capital loans, a business account and pre-approved credit to small and medium companies.
- Who founded Bizcapital?
- Bizcapital was founded by Daniel Orlean.
- Who are Bizcapital's investors?
- Bizcapital's investors include MONASHEES.