Brazilian condo-focused fintech Wind is reorganizing under a new holding structure as it plans its next stage of growth in 2026. The company has been rebadged as Wind Capital and is launching a receivables investment fund to unlock over $18.8 million in fresh credit for condominiums and their suppliers next year. The move reflects both unexpectedly strong demand in its first year of operations and a broader effort to professionalize governance, fundraising, and product development in a sector that struggles with chronic cash flow pressure.
Corporate Reorganization and Fund Launch
As part of the new strategy, Wind Capital has created a holding company structure that separates its operating activities from fund management and capital markets functions. Central to this is the Wind Cupertino Credit Rights Fund, an FIDC established in partnership with asset manager Cupertino to channel investor resources into the company’s loan book. By formalizing this architecture, the fintech aims to increase its capacity to raise funds nationally, expand its lending reach, and support a growing pipeline of products planned for 2026.
Tackling Cash Flow Constraints in the Condominium Sector
Wind Capital’s CEO and founder, Ricardo Chalfin, links the new phase directly to structural weaknesses in condominium finances. He notes that it is rare to find condominiums with surplus budget capacity, as they often juggle payment delays from residents, labor disputes, construction works, and preventive maintenance costs. The fund is designed to give managers, service providers, and suppliers access to financial instruments that stabilize cash flow, sustain essential projects, and support long term planning for their buildings.
Technology and Governance as Operating Pillars
The company was founded by professionals with experience in financial services and real estate who saw how liquidity constraints blocked essential interventions in residential and commercial properties. Wind Capital built its model around rapid, simplified credit analysis and disbursements that can be completed in as little as 24 hours for approved clients, focusing on works, efficiency projects, labor-related expenses, and emergency demands. Internally, the platform integrates data systems, standardized processes, and continuous monitoring, which the company says strengthens governance and allows it to manage risk across more than two hundred active clients in multiple regions of Brazil.
Expansion Strategy and 2026 Credit Targets
With the FIDC in place, Wind Capital plans to scale distribution through a network that includes condominium managers, administrators, sector marketplaces, specialized influencers, and banking correspondents. The company reports that it has already originated over $2.8 million in credit in recent months and now expects to surpass $18.8 million in loans to condominiums and suppliers in 2026. Management is also studying new business lines and tools to streamline the relationship between condominiums and vendors, with a focus on faster contracting, structured payment flows, and higher operational efficiency across its national footprint.
Wind Capital’s institutional restructuring and fund launch come at a time when many condominiums are actively seeking alternatives to soften the impact of tight budgets and rising obligations. By concentrating governance, product development, and capital raising under a single holding structure, the company aims to maintain its growth trajectory while responding quickly to clients that need agile financial solutions. The new FIDC is positioned as the backbone of this strategy, supporting an expansion phase that centers on condominium financing, improved cash flow management, and the rollout of new credit products throughout Brazil.