Zippi, a Brazilian fintech dedicated to transforming access to capital for micro-entrepreneurs, has successfully concluded the third issuance of its Credit Rights Investment Fund (FIDC) valued at $42.3 million. This significant transaction marks the largest single funding round in the company's history and notably introduces Credit Saison as its first international investor. The deal also features participation from prestigious local institutions, including Itaú Asset, Itaú BBA Treasury, Bradesco BBI, and Valora Investimentos.
Historic Financial Milestone
This latest capital injection dramatically surpasses the combined total of all previous fundraising efforts executed by the fintech since its inception. Specifically, the company secured $13 million in 2024 and followed up with another $15.3 million in 2025, showing a clear upward trajectory. With this substantial new influx, Zippi projects it will manage approximately $67.3 million within its credit rights fund by the end of the 2026 fiscal year.
Strategic International Partnership
The strategic entry of Japan-headquartered Credit Saison signals a pivotal moment for Zippi as it expands its institutional backing beyond domestic borders. This global financial giant joins a robust consortium of Brazilian institutions to significantly strengthen the fintech's lending capabilities and market position. Such diverse and high-caliber institutional support validates the company's unique business model while providing the financial stability needed for aggressive future expansion.
Redefining Micro-Credit
CEO André Bernardes emphasizes that traditional banking products often fail to match the dynamic operational reality of Brazilian micro-entrepreneurs. Zippi addresses this critical gap by utilizing the instant payment system Pix to design credit solutions that align perfectly with actual retail flows. By leveraging alternative data sources, the firm offers working capital that moves at the specific pace of small businesses rather than relying on rigid monthly cycles.
Technological Infrastructure
The company employs advanced proprietary technology to analyze Open Finance data and behavioral signals for highly accurate credit assessment. This sophisticated infrastructure allows for real-time adjustments to credit limits and approvals based on the customer's demonstrated ability and intention to pay. Consequently, Zippi maintains rigorous risk control while ensuring operational efficiency as it scales its user base rapidly across all regions of the country.
Aggressive Growth Targets
Following a successful period where the company doubled in size during 2025, the financial outlook for the coming years remains highly ambitious. Zippi anticipates processing approximately $1.9 billion in total transaction volume as it moves toward the close of 2026. The fresh funding will primarily support increasing the number of active clients and boosting transaction volumes per user as the portfolio continues to mature.
Financial Stability and Outlook
CFO Bruno Lucas notes that the company enters the new fiscal period with a significantly fortified and efficient capital structure. The improved cost and predictability of funding provide the security necessary to sustain development throughout the upcoming year without compromising stability. This strategy prioritizes portfolio quality and risk discipline while ensuring the fintech can meet the growing demands of the underserved micro-enterprise market.
As Zippi continues to disrupt the traditional financial landscape, its strategic focus remains exclusively on empowering the vast Brazilian market. The combination of record-breaking investment and innovative credit modeling positions the firm to better support over 21 million micro-businesses. Ultimately, this strategic capitalization ensures that entrepreneurs have the reliable, data-driven access to working capital required to thrive in a competitive and evolving economy.