Fundraising Fox

Ume

Founded 2019 · 372 employees on LinkedIn · 10 known investors

Ume provides a platform for businesses to create, operate and scale their own financial products, including digital credit cards, transactional credit for large purchases, and personal loans. It handles credit policies, underwriting, technology infrastructure, customer support, collections and capital funding, letting merchants keep the financial returns from credit offered to their customers.

FintechRetail TechSaaS

Founders & leadership

Ume was founded in 2019 by Theo R. and Berthier Ribeiro.

TRTheo R.
Theo R.inCo-founder · COO
BRBerthier Ribeiro
Berthier RibeiroinCo-founder · CEO

Investors · 10

big_bets$300K – $2M
CanarySao Paulo · $250K – $15M
Clocktower VenturesSanta Monica · $100K – $20M
NFXSan Francisco · $250K – $5M
Norte VenturesSao Paulo-Sp
Valor Capital GroupNew York · $100K – $5M
Credit Saisonreported
Itaúreported
PayPal Venturesreported · 2 sourcesSan Jose · $1M – $10M

Also in the syndicate · 1

PayPal

Funding

SEC filings, press & company announcements

$96M disclosed across 1 of 4 rounds · 2024–2026

Source: company announcements and press reports — follow each round's link for the claim.

In the news

Ume raises $96M FIDC Brazil fintech infrastructuregentyrecruitment.io · Aug 2026Ume raises $96M through FIDC - LatamListlatamlist.com · Aug 2026Ume Raises USD $21.8M in Series B Fundingfinsmes.com · Sep 2025Ume raises $15m in Series A funding, Samantha Wulfsonnews.fintech.io · Sep 2024Ume Raises $15M in Series A Fundingfinsmes.com · Sep 2024PayPal-Backed Ume Raises $15 Million to Expand Payment Network | PYMNTS.compymnts.com · Sep 2024

Frequently asked questions

What does Ume do?
Ume provides a platform for businesses to create, operate and scale their own financial products, including digital credit cards, transactional credit for large purchases, and personal loans. It handles credit policies, underwriting, technology infrastructure, customer support, collections and capital funding, letting merchants keep the financial returns from credit offered to their customers.
Who founded Ume?
Ume was founded by Theo R., Berthier Ribeiro in 2019.
Who are Ume's investors?
Ume's investors include big_bets, Canary, Clocktower Ventures, NFX, Norte Ventures, Valor Capital Group, Credit Saison, Itaú and 1 more.
How much funding has Ume raised?
Ume has disclosed $96M raised across 1 of its 4 known rounds.