About Ume
Ume is a Financial Services company based in Sao Paulo (Brazil) founded in 2017. Ume is recognized for providing flexible credit solutions for purchases. It operates on a FinTech and Commission-Based model. Ume has raised $36.8 million across 4 funding rounds from investors including FJ Labs, PayPal Ventures and NFX. Its website ume.com.br draws about 82 thousand monthly visits. Ume offers products and services including Soluções de Crédito Ume, Limite Ume, Pix Parcelado, Empréstimo Pessoal, and Super Compra. Its focus areas include Financials, Consumer Finance and Credit Services. Its legal entity is Ume Desenvolvimento de Software Ltda. Its competitors include Koin, Zapay and Tino; 3 of its 3 listed competitors have raised funding.
Company details
Ume is engaged in offering innovative financial solutions focused on consumer credit. Various credit products are provided, including personal loans, installment plans via Pix, and specific credit limits for partnered stores. Services are tailored to meet diverse customer needs across online and physical retail environments. The company operates within the financial technology sector, ensuring accessible and transparent credit options for everyday purchases and significant investments.
- Headquarters Sao Paulo, Brazil
- SectorsFinancial Services
- Website category Business and Consumer Services · Business Services
- Website site.ume.com.br
- Social LinkedIn Facebook Instagram YouTube
- Legal Name Ume Desenvolvimento De Software Ltda
- Total Equity Funding$36.8M (USD)
in 4 rounds
- Latest Funding Round$96.7M (USD), Debt – Conventional
Aug 2026
- InvestorsFJ Labs
& 14 more
Products & Services of Ume
Ume offers a comprehensive portfolio of products and services, including Soluções de Crédito Ume, Limite Ume, Pix Parcelado, Empréstimo Pessoal, and Super Compra.
Credit options are provided for flexible purchase financing.
Credit limit is offered for partnered store purchases.
Installment payments are enabled through Pix for purchases.
Personal loans are provided for quick financial solutions.
Credit is offered for significant life-changing purchases.
Apps and channels of Ume
its YouTube channel UME has 1.01K subscribers and 4 videos.
Videos from Ume
The most watched videos on Ume's YouTube channel, UME (1.01K subscribers). Click a video to play it here.
More on UME.
Funding Insights of Ume
Ume has successfully raised a total of $36.8M across 4 strategic funding rounds. The most recent funding activity was a Debt – Conventional round of $96.7 million completed in August 2026. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $36.8M
- Total Rounds 4
- Last Round Debt – Conventional — $96.7M
- First Round $15M
(Apr 2024)
- Investors Count 15
All 4 funding rounds of Ume with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Aug 2026 | $96.7M | Debt – Conventional | – | – | |
| Jan 2026 | Debt – Conventional | – | – | – | |
| Sep 2025 | $21.8M | Series B | – | Valor Capital Group, Bewater | |
| Apr 2024 | $15M | Series A | – | PayPal Ventures |
15 investors in total: 15 institutional.
Investors in Ume
Ume has secured backing from 15 investors, including venture fund and institutional investors. Prominent investors backing the company include FJ Labs, PayPal Ventures and NFX.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Venture capital fund investing in early-stage tech startups | paypal.vc | San Jose, United States | ||
Venture capital firm offering funding and tools for startups in technology and investment sectors. | nfx.com | |||
Technology sectors are targeted for investments by Globo Ventures. | globoventures.com.br | |||
Venture capital firm focused on financial sector | clocktowerventures.com | Santa Monica, United States | ||
Venture capital firm focused on marketplaces, gaming, web3, fintech, and multiple sectors | 2007 | fjlabs.com | New York, United States | |
Early-stage partnerships with software startups are facilitated by big_bets. | bigbets.tech | |||
Growth equity and venture capital are applied to tech sectors. | valorcapitalgroup.com | New York, United States | ||
Bewater is engaged in venture capital investments in Latin America. | bewater.vc | São Paulo, Brazil | ||
| canaryventures.com | ||||
Venture capital investments are provided to Latam startups by Norte Ventures. | norte.ventures |
Investor details for Ume
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
People of Ume
13 people are tracked at Ume (5 in leadership, 8 in team).
| Name | Role | Group |
|---|---|---|
Theo R. | COO | Leadership |
Berthier Ribeiro | CEO | Leadership |
Thiago Farias | CTO | Leadership |
Eduardo Rocha | Head Of Product | Leadership |
David Nigri | Chief Of Staff | Leadership |
Gustavo Veiga Olivé | Growth Manager | Team |
Ana Carolina Siqueira | Junior CRM Analyst I Growth | Team |
Victórya Braghin Silva | Analista De Growth | Team |
Iury Salles Barbosa | Product Manager | Underwriting & Collections | Team |
Rodrigo Demeterko | Credit Product Strategist | Team |
Wallyson Borba | Product Designer | Team |
Alberto Neto | Devops Engineer | Team |
Beatriz Oliveira | People & Culture Analyst | Team |
Complete people profiles for Ume
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
Timeline of Ume
3 dated milestones of Ume across 9 years, from founding to its latest funding, stage changes and deals.
- Founded Ume is founded.
- Funding First funding round of $15.0M.
- Funding Latest funding round, Debt – Conventional, of $96.7M.
Competitors of Ume
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| koin.com.br | 2014 | Sao Paulo, Brazil | $11.85M | Purchase financing solutions are offered for monthly installments and payments. | ||
| usezapay.com.br | 2017 | Norte, Brazil | $1.36M | Vehicle debt financing is provided via an online marketplace. | ||
| tino.com.br | 2020 | Sao Paulo, Brazil | $40.5M | Account receivable solutions for businesses |
Detailed competitors of Ume
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
- Benchmarks
- Competitive positioning
Verified entity values are shown only after access is granted.
Web traffic of Ume
The website of Ume (ume.com.br) receives about 82.2K visits a month and ranks #326,047 among all websites worldwide, #9,509 in Business Services.
- Monthly visits82.2K
▼ 31.8% vs previous month
- Unique visitors33.6K
per month
- Global rank#326,047
among all websites
- Category rank#9,509
Business and Consumer Services · Business Services
- Bounce rate24%
- Pages per visit3.1
- Average visit2 min 52 sec
- DevicesDesktop 24% · Mobile 76%
Websites whose visitors overlap most with Ume. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| brasilcard.net | 100% | 2.3M | #25,563 | View details |
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Related news about Ume
Complete news archive for Ume
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Frequently Asked Questions about Ume
Ume was founded in 2017 and raised its 1st funding round 7 years after it was founded.
Ume is headquartered in Sao Paulo, Brazil.
Ume is a funded company, having raised a total of $36.8M across 4 funding rounds to date. The company's 1st funding round was a Series A of $15M, raised on Apr 2024.
Ume is engaged in offering innovative financial solutions focused on consumer credit. Various credit products are provided, including personal loans, installment plans via Pix, and specific credit limits for partnered stores. Services are tailored to meet diverse customer needs across online and physical retail environments. The company operates within the financial technology sector, ensuring accessible and transparent credit options for everyday purchases and significant investments.
Ume offers Soluções de Crédito Ume, Limite Ume, Pix Parcelado, Empréstimo Pessoal, and Super Compra.
Ume has 15 investors. Key investors include FJ Labs, PayPal Ventures, NFX, Globo Ventures, and Clocktower Technology Ventures.
Ume operates through Ume Desenvolvimento De Software Ltda.