Credit Securitization Company
We structure and issue debentures backed by receivables we follow from origination — with the portfolio defined in the indenture and noteholder access to each transaction’s collateral.
1st Issuance
Debentures · private placement
R$ 20 million
Our conviction
Securitization turns receivables into securities. Doing it well means knowing every credit — from origination.
How we work
From credit grant to noteholder reporting, every step of the transaction is followed by the team that structures it.
Finadi Fintech originates, documents and services credit operations under criteria defined together with the securitization company.
Eligible receivables are assigned to Finadi Capital, with documentary review of each operation.
We issue debentures backed by the acquired credits, with portfolio composition and clear rules set in the indenture.
Noteholders receive periodic reports and access to collateral samples, with evidence of documentation.
What sets us apart
Three commitments that guide every Finadi Capital issuance.
We do not buy generic third-party credit. Underwriting, documentation and collections criteria are known — and monitored — before credit reaches an issuance.
Periodic reports and portfolio sampling, with evidence of documentation of the acquired operations.
Product types, eligibility criteria and substitution rules are set before issuance — no surprises about what sits in the portfolio.
+40
years
of combined experience in financial markets and credit
+20
years
in financial technology and digital credit
20
series
structured in the 1st debenture issuance
3
segments
payroll, real estate and court-ordered claims
Business segments
Credit theses with history, known payment mechanics and diligence specific to each asset class.
Core segment
Receivables from payroll- or salary-account deduction — INSS payroll loans, public servants, Worker Credit and salary advances — documented through bank credit notes (CCB).
Real estate
Receivables from real-estate development, lot sales and leases, with collateral over the property and predictable contractual cash flows that finance projects.
Judicial assets
Credit rights arising from final court judgments against the Federal Union, states and municipalities, acquired after in-depth legal diligence.
A company milestone
R$ 20.000.000
The company’s first issuance: R$20 million structured in 20 series, backed by payroll-credit receivables originated and followed by the Finadi ecosystem.
Issued by private placement. Terms appear exclusively in the Indenture. This content is not an offer.
Securitization in 60 seconds
Loan installments, installment sales or court claims — the receivables.
And receives funds today, instead of waiting for maturity.
In our case, debentures — with rules fixed in the indenture.
The portfolio cash flow supports coupon and amortization of the securities.
SECaaS · Securitization as a Service
Advisory, governance and an issuance vehicle to enable private-credit and DCM projects — from asset modeling to cash-flow administration for investors.
Management
Combined experience in financial markets, credit and technology — fully dedicated to the Finadi ecosystem.
Chief Executive Officer
Founder of the Finadi ecosystem, he leads the company’s strategy and the structuring of issuances. He has more than two decades at the helm of financial technology, digital credit and payroll-loan operations — from origination to collections — which underpins the integration between Finadi Fintech and the securitization company.
Chief Financial Officer
Responsible for financial management, company controls and the relationship with noteholders. He brings a career in financial markets and credit, focused on structuring, cash discipline and adherence of each transaction to the terms agreed in the indenture.
Chief Technology and Process Officer
More than 10 years of experience in technology applied to the financial sector, including roles at large companies and multinationals such as Nestlé. He leads data architecture, operational processes and the tools that give noteholders access to transaction collateral.
Insights
FAQ
Finadi Capital is a securitization company: it acquires credit rights — such as installments of payroll-deducted loans — and issues debentures backed by those credits. We take an active part in originating the assets and give noteholders access to collateral information on each transaction.
Finadi Capital is a stock corporation formed under Law No. 6.404/1976 and operates under Brazil’s securitization framework (Law No. 14.430/2022). Its issuances are made by private placement and, for that reason, are not registered as public offerings with the CVM. The credit operations that make up the collateral are originated by Central Bank–regulated institutions.
No. Finadi Capital issuances are made exclusively by private placement, for previously identified investors with a relationship with the company. This website is institutional and educational and does not constitute an offer.
Each issuance has the portfolio composition defined in the indenture — credit type, eligibility criteria and substitution rules. Noteholders receive periodic reports and have access to collateral samples, with evidence of documentation of the operations.
We work mainly in payroll-backed credit with security (payroll loans and salary-deducted credit), real-estate project receivables and court-ordered claims.
Relationship
Registration is a mandatory identification (KYC) step and does not imply an offer or any right to participate in transactions.
For investors with a prior relationship with Finadi Capital.
Noteholder registration AssignorFor companies with receivable portfolios seeking structured funding.
Assignor registration ManagementMonday to Friday, 9 a.m. to 6 p.m. (BRT). We typically reply within one business day.
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