CloudWalk Breaks Record with US$1.1B FIDC Backed by Major Banks
CloudWalk raises US$1.1B through a record FIDC to expand credit access, supporting millions of entrepreneurs and strengthening its fintech growth in Brazil.
CloudWalk has secured a new funding round equivalent to approximately US$1.1 billion, reinforcing its position as a key player in the fintech ecosystem and expanding its capacity to provide liquidity to millions of entrepreneurs.
Record-Breaking FIDC to Finance Credit Card Receivables
The Brazilian fintech, which operates payment platforms such as InfinitePay in Brazil and Jim.com in the United States, completed the fundraising through a Fundo de Investimento em Direitos Creditórios (FIDC).
This new vehicle, named “CloudWalk Bela,” surpassed the company’s previous record of approximately US$840 million, set in October 2025. The funds will be allocated to advancing credit card receivables, a core service supporting small and medium-sized businesses.
Currently, more than 6.3 million entrepreneurs across Brazil use InfinitePay, highlighting the scale of CloudWalk’s financial infrastructure.
Strong Institutional Backing and Five-Year Structure
The FIDC has a five-year term and was coordinated by major financial institutions, with Bradesco BBI acting as lead, alongside Itaú BBA, BTG Pactual, Safra, UBS BB, and Banco BV. The transaction also attracted a broad base of institutional investors.
According to Isabela Marin Martins, head of treasury funding at CloudWalk: “This fundraising strengthens our ability to expand access to credit and liquidity for millions of entrepreneurs driving the country’s economy. By financing a broad and recurring base, we generate predictability and deliver consistent performance to investors.”
Expanding Funding Strategy Since 2021
Since 2021, CloudWalk has structured 11 FIDCs, raising more than US$4 billion in total. The company has also diversified its funding sources following the acquisition of SF3, which granted it a financial license.
This move enabled access to additional instruments such as bank deposit receipts (RDBs), certificates of deposit (CDBs), and bills of exchange (LCs), broadening its capital structure and funding flexibility.
Financial Performance Shows Accelerated Growth
CloudWalk’s financial results reflect its rapid expansion. In 2025, the company reported a net profit of approximately $120 million USD, representing a 90% year-over-year increase.
Revenue more than doubled during the same period, reaching around $1.09 billion USD by year-end. By December 2025, the company’s annualized revenue exceeded $1.43 billion USD, signaling continued growth momentum.
