Federal Invest

Federal Invest is a Brazilian business development (fomento mercantil) and credit network that describes itself as the largest corporate development network in Brazil. Founded in 1995 in the interior of São Paulo state, the company began as a factoring and mercantile promotion operation serving local businesses and grew over three decades into a nationwide network of more than 100 branches. Its core proposition is to give small and medium-sized companies access to working capital and financial services that traditional banks often make difficult or expensive to obtain. The company positions itself as a complete development agency rather than a pure lender. Its portfolio spans receivables anticipation (turning installment sales into immediate working capital), the Luri digital business account with Pix, TED and card capabilities, and account management tools that centralize accounts payable and receivable, bank reconciliation and reporting in a single platform. Federal Invest frames its mission around solving common financial pain points for Brazilian companies: inefficient current accounts, cash-flow gaps, delinquency on installment sales, and inaccessible bank credit. Federal Invest emphasizes national capillarity with local decision-making. According to its own materials, it operates more than 100 units across Brazil, serves over 25,000 active clients, and handles roughly R$ 2 billion in transactions per year. The company traces its history through several milestones: expansion into southern Brazil and a 25th branch in 2003, the launch of its first fully digital solutions in 2012, reaching R$ 1 billion in annual transactions and launching the Luri digital account in 2020, and surpassing 100 branches with more than 25,000 active clients and R$ 2 billion per year in operations by 2025. As a private Brazilian company, Federal Invest is not listed on a stock exchange. Its brand is associated with the fomento mercantil sector, an important source of alternative financing for Brazilian SMEs. The company maintains a blog and content operation aimed at entrepreneurs and continues to expand its digital offering alongside its physical branch network.

Federal Invest was founded in 1995 in the interior of São Paulo state, Brazil, with an initial focus on fomento mercantil — mercantile promotion and factoring services for local businesses. The company grew steadily through the late 1990s and early 2000s, building a branch-based model that emphasized proximity to clients and local decision-making. In 2003, Federal Invest expanded into southern Brazil and opened its 25th branch, marking its transition from a regional operator into a multi-region network. The 2010s brought a digital shift: in 2012 the company launched its first fully digital solutions, beginning to complement its physical branch network with online tools. A major milestone came in 2020, when Federal Invest reached R$ 1 billion in annual transactions and launched its Luri digital business account. The Luri account, offering Pix, TED and card functionality integrated with business management, became a flagship product alongside the company's traditional receivables anticipation services. By 2025, Federal Invest reported more than 100 branches across Brazil, over 25,000 active clients, and approximately R$ 2 billion per year in operations. Throughout its history the company has positioned itself as the largest corporate development network in Brazil, serving companies of all sizes with working capital, credit and account management solutions. Its stated values emphasize tradition, national reach, complete solutions and close client service.

• 2025

  More than 100 branches, over 25,000 active clients and R$ 2 billion/year in operations.

• 2020

  Reached R$ 1 billion in annual transactions; Luri digital account launched.

• 2012

  Launch of the first fully digital solutions.

• 2003

  Expansion into southern Brazil and opening of the 25th branch.

• 1995

  Federal Invest founded in the interior of São Paulo state, focused on fomento mercantil.

Largest corporate development network in Brazil, combining national reach with local decision-making and a complete financial portfolio for companies.

• Antecipação de Recebíveis

  Turns installment sales into immediate working capital without compromising margin.

• Luri Conta empresarial

  100% digital business account with Pix, TED and card, integrated with business management.

• Gestão de Contas

  Centralizes accounts payable and receivable, bank reconciliation and reports in a single platform.

1. 1Federal Invest — Fomento e crédito para sua empresafederalinvest.com.br
2. 2Sobre — Federal Invest | 30 anos transformando negóciosfederalinvest.com.br
3. 3Federal Invest — Wikidatawikidata.org