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Klubi is a Brazilian fintech based in Pinheiros, São Paulo, that modernizes the traditional consortium market through its digital "Consórcio 2.0" platform, which uses AI to streamline group purchasing and financing for vehicles, real estate, and other assets. Authorized by Brazil's Central Bank, the company has secured $18.5 million USD across three funding rounds. Klubi manages a portfolio exceeding $370 million and generates an annualized revenue of approximately $33 million, with its AI assistant handling over 90% of initial customer interactions. The company's investor base includes Pátria Investimentos, L4 Venture Builder (affiliated with B3), Cyrela Ventures, Igah Ventures, and Vivo Ventures. Klubi projects its portfolio to exceed $920 million by 2026, aiming for break-even in the coming year. It was founded in 2020 by Eduardo Rocha.
Klubi has raised $17.9M across 3 funding rounds.
Klubi has raised $17.9M in total across 3 funding rounds.
Klubi is a Brazilian fintech company founded in 2021 that operates the first fully digital consortium platform authorized by the Central Bank of Brazil. It provides simple, secure, and transparent credit facilities for planned purchases like cars, motorcycles, cell phones, homes, and travel, eliminating intermediaries and bureaucracy in Brazil's traditional consortium market, which grew 25% to R$316.7 billion in 2023[1][3]. Klubi serves individual consumers seeking affordable monthly payments to achieve ownership dreams, solving pain points like scattered information, hidden fees, and aggressive sales tactics through a 100% digital, personalized experience powered by AI[1][4].
The company has demonstrated strong growth momentum, with a portfolio exceeding $370 million (R$2 billion), annualized revenue of ~$33 million (R$180 million)—tripling year-over-year—and 15,000 consórcios sold monthly as of mid-2025[2][3]. It recently raised a $5.9 million Series A extension to scale its AI assistant Kris (handling 200,000 interactions monthly at 90% resolution), expand marketing, and enter insurance brokering[2].
Klubi was founded in 2021 in São Paulo, Brazil, by a team including CTO and co-founder Anderson Silva, with the mission to digitize Brazil's analog consortium sector[1][3]. The idea emerged from recognizing the ecosystem's rapid growth but persistent inefficiencies—bureaucracy, poor communication, and intermediary-driven false expectations—that frustrated consumers[1][4]. As the first Central Bank-authorized digital consortium administrator, Klubi launched with a focus on direct-to-consumer access via a user-friendly website and WhatsApp-based interactions[1][4].
Early traction came from partnerships like Vivo Ventures, enabling innovative products such as cell phone consórcios (6,500 monthly clients) and expansions into travel and motos alongside traditional auto and residential options[3]. Investor confidence grew with backing from Pátria and L4, culminating in the 2025 Series A extension amid proven metrics like low delinquency and operational efficiency[2].
Klubi stands out in Brazil's fintech landscape through these key strengths:
Klubi rides the wave of fintech digitization in Latin America, targeting Brazil's $100B+ consortium market—a staple for credit access amid high interest rates and limited lending[1][2]. Timing is ideal: post-2023 growth and regulatory nods enable disruptors like Klubi to modernize a sector ripe for tech, much like Nubank transformed banking[1][2]. Favorable forces include rising smartphone penetration (boosting WhatsApp channels), AI adoption for customer service, and consumer demand for transparency amid economic pressures[1][4].
By pioneering AI-driven consórcios and insurance synergies, Klubi influences the ecosystem—inspiring telco partnerships (e.g., Vivo for electronics) and widening credit for underserved Brazilians, potentially accelerating sector-wide digital shifts[2][3].
Klubi's trajectory points to break-even in the coming year, portfolio surpassing $920 million (R$5 billion), and revenue more than doubling by 2026, fueled by AI enhancements, insurance rollout, and dual direct/institutional channels[2]. Trends like conversational AI expansion (via Infobip) and regulatory easing will shape its path, positioning it as a consortium leader amid Brazil's fintech boom[1][4]. Its influence may evolve by setting standards for hybrid human-AI finance, drawing more institutional capital and ecosystem partners—transforming credit from bureaucratic hurdle to seamless dream enabler, as its digital origins promised[2].
Klubi has raised $17.9M across 3 funding rounds. Most recently, it raised $5.8M Series A Extension in December 2025.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Dec 11, 2025 | $5.8M Series A Plus | — | Cyrela Ventures, Tiago Wigman, Camila Sangali | Announced |
| Dec 1, 2022 | $6M Series U | — | Andreessen Horowitz, Canary Ventures, Divergent Capital, Jenny Fielding, Scott Hartley, FAR OUT Ventures, Ganas Ventures, Iluminar Ventures, Matterscale Ventures, NFX, Picus Capital, Redpoint Eventures, Urbanist Ventures, Xochi Ventures, Claire Diaz Ortiz, David Vélez, Dileep Thazhmon, Igor Marchesini, Immad Akhund, Loreanne Garcia, Matias Woloski, Mike Krieger, Ricardo Weder, Sergio Fogel, Sergio Furio, Simon Borrero, Stelleo Tolda | Announced |
| Oct 1, 2021 | $6M Seed | — | Canary Ventures, Igah Ventures, Matterscale Ventures, Guilherme Bonifacio, Igor Marchesini | Announced |
Klubi has raised $17.9M in total across 3 funding rounds.
Klubi's investors include Cyrela Ventures, Tiago Wigman, Camila Sangali, Andreessen Horowitz, Canary Ventures, Divergent Capital, Jenny Fielding, Scott Hartley, Far Out Ventures, Ganas Ventures, Iluminar Ventures, Matterscale Ventures.
