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Payroll credit Fintech Ali receives US$24.9M to expand its product in Brazil

October 3, 2022
Por
Isabela Rovaroto
Isabela Rovaroto
Repórter na EXAME
📷
EXAME
Founded in 2018, Ali offers the lowest rates on the payroll loan market, which guarantees about 40% savings over other more popular loans
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Ali, a consigned credit fintech, announced this Tuesday, 23, an investment of R$135 million. The series A round between equity and support is led by BoostLAB, BTG Pactual's business hub (from the same group that controls EXAME). The resource will be used to expand the product, commercial, technology and HR areas, besides the creation of new projects until the end of the year. The company's expectation is to reach one million clients by 2023.

Founded in 2018, by Bruno Reis and in partnership with Fisher, a leader and reference in Venture Builder in Brazil, Ali operates in private consigned credit and solar financing credit, transacting more than R$ 200 million in consigned credit operations since the beginning of the operation.

With the lowest rates in the market, the fintech guarantees around 40% savings over other more popular credits, such as personal loans, credit cards, among others.
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"We are very happy with the success of this investment round. Now we will have even more capillarity and ability to accelerate our growth to bring our solution to increase salary through Ali's debt reduction to as many people as possible," says Bruno Reis CEO and founder of Ali.

The investment manager, CDP Capital, increased its support for the fintech, and also announced in the same period that it will guarantee funding of R$100 million for the operation.

With these resources, Bruno Reis says that Ali seeks growth and wants to make its application known among companies that want better conditions for their employees and also among final clients.


Partner Companies

For partner companies, Ali offers consigned credit for employees, focused on debt reduction, through the app Economizômetro, which also performs an automatic survey of all credit lines taken by the user, as well as the costs of these lines, and makes the repayment and exchange of these credits for an operation with Ali.

"The private consigned market has great potential. In Q1 2022, the segment reached the R$26 billion mark in private consigned stock compared to the R$292 billion stock of unsecured, expensive, high turnover personal loans," reinforces the CEO.
"This is the market Ali is targeting with its 'Economizômetro' app, which offers automated exchange of more expensive debts, with direct payroll discounting, helping people save on interest expenses for other lines of credit well above average," he adds.

The average savings generated by the fintech, is higher than one salary per year for each employee of the partner company. Today, Ali has more than 200 partner companies, among them Aço Cearense, Deloitte, Ernst & Young and Três Corações, and more than 250 thousand employees of the companies.

In addition, Ali is integrated in large strategic partners, mostly exclusive, of payroll management systems, representing more than 17 million employees.


Solar Energy

Besides the payroll loan market, Ali also brings savings to its clients in the Solar Energy market, with the same rationale: the credit operation results in savings in electric energy expenses for residential consumers, with the savings itself being used to repay the credit.

This front is the fintech's fastest growing, with 20% growth per month since 2021, and is done in partnership with Ecori, a leading distributor of solar generation, which offers the financing solution for its customers and business partners.

Las opiniones compartidas y expresadas por los analistas son libres e independientes, y de ellas son responsables sus autores. No reflejan ni comprometen el pensamiento u opinión de Latam Fintech Hub, por lo cual no pueden ser interpretadas como recomendaciones emitidas por la platafomra. Esta plataforma es un espacio abierto para promover la diversidad de puntos de vista sobre el ecosistema Fintech.

Ali, a consigned credit fintech, announced this Tuesday, 23, an investment of R$135 million. The series A round between equity and support is led by BoostLAB, BTG Pactual's business hub (from the same group that controls EXAME). The resource will be used to expand the product, commercial, technology and HR areas, besides the creation of new projects until the end of the year. The company's expectation is to reach one million clients by 2023.

Founded in 2018, by Bruno Reis and in partnership with Fisher, a leader and reference in Venture Builder in Brazil, Ali operates in private consigned credit and solar financing credit, transacting more than R$ 200 million in consigned credit operations since the beginning of the operation.

With the lowest rates in the market, the fintech guarantees around 40% savings over other more popular credits, such as personal loans, credit cards, among others.
ADVERTISEMENT

"We are very happy with the success of this investment round. Now we will have even more capillarity and ability to accelerate our growth to bring our solution to increase salary through Ali's debt reduction to as many people as possible," says Bruno Reis CEO and founder of Ali.

The investment manager, CDP Capital, increased its support for the fintech, and also announced in the same period that it will guarantee funding of R$100 million for the operation.

With these resources, Bruno Reis says that Ali seeks growth and wants to make its application known among companies that want better conditions for their employees and also among final clients.


Partner Companies

For partner companies, Ali offers consigned credit for employees, focused on debt reduction, through the app Economizômetro, which also performs an automatic survey of all credit lines taken by the user, as well as the costs of these lines, and makes the repayment and exchange of these credits for an operation with Ali.

"The private consigned market has great potential. In Q1 2022, the segment reached the R$26 billion mark in private consigned stock compared to the R$292 billion stock of unsecured, expensive, high turnover personal loans," reinforces the CEO.
"This is the market Ali is targeting with its 'Economizômetro' app, which offers automated exchange of more expensive debts, with direct payroll discounting, helping people save on interest expenses for other lines of credit well above average," he adds.

The average savings generated by the fintech, is higher than one salary per year for each employee of the partner company. Today, Ali has more than 200 partner companies, among them Aço Cearense, Deloitte, Ernst & Young and Três Corações, and more than 250 thousand employees of the companies.

In addition, Ali is integrated in large strategic partners, mostly exclusive, of payroll management systems, representing more than 17 million employees.


Solar Energy

Besides the payroll loan market, Ali also brings savings to its clients in the Solar Energy market, with the same rationale: the credit operation results in savings in electric energy expenses for residential consumers, with the savings itself being used to repay the credit.

This front is the fintech's fastest growing, with 20% growth per month since 2021, and is done in partnership with Ecori, a leading distributor of solar generation, which offers the financing solution for its customers and business partners.

Las opiniones compartidas y expresadas por los analistas son libres e independientes, y solamente sus autores son responsables de ellas. No reflejan ni comprometen el pensamiento o la opinión del equipo de Latam Fintech Hub y, por lo tanto, no pueden interpretarse como recomendaciones emitidas por la plataforma. Esta plataforma es un espacio abierto para promover la diversidad de puntos de vista en el ecosistema Fintech.

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