Key Takeaways:
Agibank, the Brazilian consumer lender, secured R$2.5 billion in financing through its second credit rights investment fund, providing significant new capital to expand its secured loan book after parent Agi Inc.’s recent IPO.
"The structuring of our second FIDC, with a committed line of R$2.5 billion, is a milestone for our liabilities management," Glauber Correa, CEO of Agibank, said. "It gives us the predictability needed to maintain our pace of credit origination."
The transaction, which was backed by payroll-deductible loans, was issued in a single tranche with a 10-year term at a rate of CDI + 1.05% per year. The offering received a ‘AAA.br’ credit rating from Moody’s and follows a similar FIDC structuring in May 2025. The new funding comes as Agibank rapidly expands, having grown its total credit portfolio by 44% to R$34.9 billion in 2025.
This R$2.5 billion injection provides Agibank with a crucial liquidity channel to continue its aggressive growth in the Brazilian consumer credit market, particularly in secured lending. The successful placement, just two months after Agi Inc. (NYSE: AGBK) went public, signals strong investor confidence and gives the bank a competitive advantage in funding its origination pipeline regardless of broader macroeconomic volatility.
The move diversifies Agibank's funding sources and strengthens its balance sheet. Agibank Asset Management acted as co-manager for the fund, with Oliveira Trust serving as administrator and manager. The strong rating and investor demand underscore the market's positive reception to the quality of Agibank's loan assets.
"We are a very active player in the Brazilian credit market and are becoming increasingly relevant," said Marcello Dubeux, Chief Financial Officer and Investor Relations Officer at Agi. "Issuances like this give us greater visibility and the access to funding required to scale in a segment in which we are specialists: secured lending for Brazilian consumers."
This article is for informational purposes only and does not constitute investment advice.
