Creditas announces new R$800 Million FIDC to boost Auto Equity and Auto Finance operations
14 juli, 16:33
Creditas announces new R$800 Million FIDC to boost Auto Equity and Auto Finance operations
Offering attracted R$2.3 billion in demand during bookbuilding, three times the offered volume, reflecting institutional investors' confidence in the fintech's structured funds
São Paulo, July 14th, 2025 - Creditas, a leading online financial solutions provider in Latin America, announces the launch of the FIDC Creditas Auto XII. With an offered volume of R$800 million and a brAAA senior subclass rating by S&P, the fund will provide funding for Auto Equity (car-backed loan product) and Auto Finance (car financing) operations originated by the company.
The offering, aimed at professional investors, registered demand of R$2.3 billion, nearly three times the offered volume. This result reinforces the market's confidence in Creditas and its fundraising strategy. The operation features Angá Asset as the fund manager and Banco Daycoval as the administrator and custodian.
"The demand for FIDC Creditas Auto XII highlights the strength of our journey and our proven ability to structure solid vehicles that deliver governance, risk control, and long-term value creation for investors", states Erica Stols, VP of Treasury and DCM at Creditas. "Capital markets serve as the backbone of our funding strategy. We've already raised close to R$5 billion through FIDCs and R$2 billion via CRIs, with more than 70% of our funding now structured through market instruments", she adds.
Creditas was one of the first fintechs in Brazil to build a funding structure broadly based on the capital market, establishing a model that now serves as a benchmark for the sector. Angá has collaborated with Creditas since 2019 on credit and securitization structures, reaching its ninth offering, while Daycoval is participating for the first time in an offering structured by fintech.
"We are committed to driving efficiency for our partners by structuring funds with diligence, quality assets, robust governance, and continuous oversight. This offering demonstrates the growing appetite of institutional investors for well-structured opportunities in the alternative credit space", says Felipe Jafet, partner at Angá Asset.
With over a thousand funds served, Banco Daycoval has established itself as one of the leading institutions in FIDC administration in Brazil. In Q1 2025, the bank exceeded R$160 billion in assets under fiduciary services, marking a notable year-over-year increase. FIDCs represent around 30% of this volume, underscoring its operational excellence, strong governance, and the trust it has earned in the market.
"As Brazil’s FIDC market matures, it increasingly requires institutions with a solid track record and operational excellence. With over 300 structures under administration, Daycoval stands out for its deep expertise in the segment. Our collaboration with leading firms such as Creditas and Angá reinforces our commitment to providing robust and trusted fiduciary services", says André Kurbet, head of business development at Banco Daycoval.
This new issuance marks another step forward in Creditas’ capital markets funding strategy, underscoring its ongoing commitment to innovation, transparency, and the democratization of secured credit in Brazil.
About Creditas
Creditas is a financial services platform that offers loans, insurance, and investments using home, car, and salary as collateral. With 13 years of operation, it is the largest online credit platform in Latin America and has received investments from major international funds, such as Softbank, VEF, Kaszek, and Redpoint, among others,raising over R$4 billion (US$879 million) in equity. Through its proprietary technology, it offers products such as home equity and auto loans, private payroll-deducted loans, corporate benefits, and insurance. Creditas has surpassed the mark of 13 million credit requests, has a current credit portfolio of R$6.2 billion, and more than 60 issuances in the capital markets (FIDCs, CRIs, and FIIs).
For more information, visit www.creditas.com and ir.creditas.com/ir/
About Angá
Angá Asset is an independent asset manager specializing in private credit assets, with a focus on securitizing credit portfolios through FIDCs and a suite of liquid credit funds. Founded in 2008, the firm manages approximately R$15 billion in assets and employs a team of around 50 professionals. Angá is widely recognized for its expertise in diversified credit, operating under a business model grounded in rigorous structuring, sophisticated modeling, and continuous portfolio monitoring.
About Daycoval
Banco Daycoval is a financial institution with 56 years of experience, specializing in credit and financial services for businesses. It also has a strong presence in the retail segment through payroll loans, vehicle financing, foreign exchange for travel, and investment services. Headquartered in São Paulo, the bank has 3,852 employees distributed across its main office, 51 branches nationwide, and over 221 service points.
For further information, please contact:
Creditas:
Sergio Furio / Shirlei Silva
CEO / Director of Investor Relations
E-mail: Investor-relations@creditas.com
Or visit www.creditas.com and ir.creditas.com/ir/
Creditas announces new R$800 Million FIDC to boost Auto Equity and Auto Finance operations
14 juli, 16:33
Creditas announces new R$800 Million FIDC to boost Auto Equity and Auto Finance operations
Offering attracted R$2.3 billion in demand during bookbuilding, three times the offered volume, reflecting institutional investors' confidence in the fintech's structured funds
São Paulo, July 14th, 2025 - Creditas, a leading online financial solutions provider in Latin America, announces the launch of the FIDC Creditas Auto XII. With an offered volume of R$800 million and a brAAA senior subclass rating by S&P, the fund will provide funding for Auto Equity (car-backed loan product) and Auto Finance (car financing) operations originated by the company.
The offering, aimed at professional investors, registered demand of R$2.3 billion, nearly three times the offered volume. This result reinforces the market's confidence in Creditas and its fundraising strategy. The operation features Angá Asset as the fund manager and Banco Daycoval as the administrator and custodian.
"The demand for FIDC Creditas Auto XII highlights the strength of our journey and our proven ability to structure solid vehicles that deliver governance, risk control, and long-term value creation for investors", states Erica Stols, VP of Treasury and DCM at Creditas. "Capital markets serve as the backbone of our funding strategy. We've already raised close to R$5 billion through FIDCs and R$2 billion via CRIs, with more than 70% of our funding now structured through market instruments", she adds.
Creditas was one of the first fintechs in Brazil to build a funding structure broadly based on the capital market, establishing a model that now serves as a benchmark for the sector. Angá has collaborated with Creditas since 2019 on credit and securitization structures, reaching its ninth offering, while Daycoval is participating for the first time in an offering structured by fintech.
"We are committed to driving efficiency for our partners by structuring funds with diligence, quality assets, robust governance, and continuous oversight. This offering demonstrates the growing appetite of institutional investors for well-structured opportunities in the alternative credit space", says Felipe Jafet, partner at Angá Asset.
With over a thousand funds served, Banco Daycoval has established itself as one of the leading institutions in FIDC administration in Brazil. In Q1 2025, the bank exceeded R$160 billion in assets under fiduciary services, marking a notable year-over-year increase. FIDCs represent around 30% of this volume, underscoring its operational excellence, strong governance, and the trust it has earned in the market.
"As Brazil’s FIDC market matures, it increasingly requires institutions with a solid track record and operational excellence. With over 300 structures under administration, Daycoval stands out for its deep expertise in the segment. Our collaboration with leading firms such as Creditas and Angá reinforces our commitment to providing robust and trusted fiduciary services", says André Kurbet, head of business development at Banco Daycoval.
This new issuance marks another step forward in Creditas’ capital markets funding strategy, underscoring its ongoing commitment to innovation, transparency, and the democratization of secured credit in Brazil.
About Creditas
Creditas is a financial services platform that offers loans, insurance, and investments using home, car, and salary as collateral. With 13 years of operation, it is the largest online credit platform in Latin America and has received investments from major international funds, such as Softbank, VEF, Kaszek, and Redpoint, among others,raising over R$4 billion (US$879 million) in equity. Through its proprietary technology, it offers products such as home equity and auto loans, private payroll-deducted loans, corporate benefits, and insurance. Creditas has surpassed the mark of 13 million credit requests, has a current credit portfolio of R$6.2 billion, and more than 60 issuances in the capital markets (FIDCs, CRIs, and FIIs).
For more information, visit www.creditas.com and ir.creditas.com/ir/
About Angá
Angá Asset is an independent asset manager specializing in private credit assets, with a focus on securitizing credit portfolios through FIDCs and a suite of liquid credit funds. Founded in 2008, the firm manages approximately R$15 billion in assets and employs a team of around 50 professionals. Angá is widely recognized for its expertise in diversified credit, operating under a business model grounded in rigorous structuring, sophisticated modeling, and continuous portfolio monitoring.
About Daycoval
Banco Daycoval is a financial institution with 56 years of experience, specializing in credit and financial services for businesses. It also has a strong presence in the retail segment through payroll loans, vehicle financing, foreign exchange for travel, and investment services. Headquartered in São Paulo, the bank has 3,852 employees distributed across its main office, 51 branches nationwide, and over 221 service points.
For further information, please contact:
Creditas:
Sergio Furio / Shirlei Silva
CEO / Director of Investor Relations
E-mail: Investor-relations@creditas.com
Or visit www.creditas.com and ir.creditas.com/ir/
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