ClickCash (Credito 24 LTDA) is a Brazilian non-bank financial company (Fintech) that offers consumer loans to its customers via a propretiary “mobile only” process that enables it to tap into alternative credit data and to detect fraud efficiently. ClickCash has raised so far 1,8 MEUR to start its business in Brazil and is at the start of its growth journey. 

The company was established in  2019 but has quickly reached profitable origination on a loan level and is looking to scale up its business fast. Read more about ClickCash and the team behind it from their presentation (link). 

Founded 2019
Country Brazil
Loan Type Secured loans
Borrower APR range 63%-732%
Borrower APR average 174%
Structure SPV with asset pledge

Loans originated


Loan portfolio


Junior Share

0 %

Security Structure

Due to restrictions on capital movements in Brazil the company placing loans on the Income marketplace is an SPV owned by ClickCash

The loans are secured by a 159% net claim pledge to loan sum that consists of consumer loans issued to Brazilian consumers by ClickCash .

The 159% net claim pledge is equal to about 37% Junior Share, creating a sufficient buffer to protect investors in the case of LO default. 

View security structure

Credito 24 LTDA is audited by BDO (Brazil)
Income management  has a combined, passive equity investment of ca 12% in Credito24

Investment Highlights

You are investing in secured loans by ClickCash SPV OÜ to Credito 24 with the following features: 

  • EUR denominated
  • Maturities up to 18 months
  • Secured by a pledge over assets. 
Contact Us
Income Company OÜ
+44 116 464 9956

Income Company OÜ is a company registered in the Republic of Estonia with registration number 16014116 and legal address in Maakri 19/2 10145 Tallinn, Estonia. Central European branch office in address Liechtensteinstrasse 111-115, 1090 Vienna, Austria.

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