Meu TUDO

The company operates as a digital correspondent, offering payroll-deductible loans primarily to retirees, pensioners, and public servants. Its business model centers on providing a fully online experience through its mobile application, which allows for greater operational efficiency and, consequently, lower interest rates for its clients. Initially, Meu TUDO functioned as a marketplace, connecting clients with nine different partner banks. However, in September 2020, the company pivoted its strategy to offer its own credit lines through Credit Rights Investment Funds (FIDCs), a move that provides greater control over its product offerings. This verticalization was further consolidated in 2024 with the acquisition of Parati Financeira, an institution with which it had a partnership since 2020, transforming Meu TUDO into a proper financial institution.

The firm has demonstrated significant growth, which was notably accelerated by the COVID-19 pandemic as more clients turned to digital channels for financial services. This period saw the company's monthly loan disbursements jump from approximately BRL 15 million to BRL 50 million. Key milestones include its selection for acceleration programs like Scale-UP Endeavor and Plug and Play, and becoming a member of Cubo Itaú. A pivotal moment in its trajectory was a 2021 agreement with Goldman Sachs Asset Management, which involved an equity investment and a commitment of up to BRL 2.1 billion to finance seven new FIDCs. By 2024, the company was operating with 16 FIDCs and had originated over BRL 8 billion in credit, with BTG Pactual as a key funding partner.