Klubi Advances Consórcio 2.0 with Strategic Investment from Pátria, B3 and Cyrela
In today’s evolving financial landscape, Klubi — a Brazilian fintech startup — is advancing a new model of credit access that is reshaping how consumers finance assets and services. With strong backing from strategic investors, the company is accelerating the development of what it calls “Consórcio 2.0”, modernizing the traditional consortium system for broader use.
Strategic funding to scale operations
Klubi recently secured R$ 32 million in funding to expand its direct sales channels, increase credit penetration for vehicles and real estate, and enter the insurance market. The funding round was led by Pátria Investimentos, L4 Venture Builder — affiliated with B3 — and Cyrela Ventures. This investment is an extension of the Series A round the startup completed earlier, bringing the total raised to R$ 77 million.
According to the founder, this capital will help Klubi scale its digital offerings and strengthen its market position.
Klubi’s origins and vision
Founded in 2020 by Eduardo Rocha, Klubi emerged from his insight into the limitations of the traditional consortium market, which had been dominated by analog processes and intermediaries. Rocha observed that traditional credit channels often fail to serve clients efficiently, especially for smaller-value acquisitions. His aim was to transform this landscape with a more accessible, digital approach.
Rocha explained that the conventional model involved numerous intermediaries — from bank managers to sales agents — who increased cost and complexity for consumers. With Klubi’s digital platform, these barriers are removed, creating a streamlined experience that could eventually include items of lower value and additional categories beyond vehicles and homes.
Digital innovation and operational efficiency
Klubi’s platform includes an AI assistant that now handles more than 90 % of customer interactions and sales in the first contact, showcasing how technology improves both service speed and customer experience. The startup also reports low default rates compared to traditional financing markets.
Partnerships and market reach
To broaden its market reach, Klubi has entered partnerships that allow the company to offer its services in white-label formats, where partner brands host Klubi’s technology while Klubi manages the process behind the scenes. This strategy has attracted players such as Vivo, Localiza, C6, PicPay, Neon, Serasa, 99 and OLX, helping Klubi expand its presence and diversify distribution channels.
Outlook and industry impact
With a portfolio that has grown significantly, Klubi now manages a multi-billion-real portfolio and shows rapid revenue growth year-over-year. The fintech is not only expanding its credit offerings but also exploring new avenues like automated insurance products — a move that may further broaden its impact on Brazil’s financial ecosystem.
The company’s vision emphasizes leveraging digital technology to democratize access to credit, making financial solutions more efficient and inclusive for a wider range of consumers.
