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PLANOQUITA

For investors

Pre-seed

People who owe money have little technology on their side.

PlanoQuita is a Brazilian debt payoff app built from the side of the person who owes. It organizes everything the person owes, explains the situation in words, recommends a path with the reason behind it and follows through month by month. None of its revenue comes from creditors.

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Problem

In Brazil, debt is a monthly strain for most families.

82.0%

of Brazilian families have some debt, current or not

Source: CNC, PEIC, August 2026

29.9%

of families have at least one overdue bill

Source: CNC, PEIC, August 2026

12.5%

of families say they are unable to pay their overdue bills

Source: CNC, PEIC, August 2026

83.9 million

people with their name on a credit bureau list

Source: Serasa, July 2026

348.3 million

overdue debts on record

Source: Serasa, July 2026

R$ 586.4 billion

in overdue debts

Source: Serasa, July 2026

From debt to bills that cannot be paid

  • Have some debt, current or not82.0%
  • Have at least one overdue bill29.9%
  • Say they are unable to pay their overdue bills12.5%
Share of all Brazilian families. The groups are nested: those unable to pay are within those with overdue bills, who are within those with some debt. CNC, PEIC, August 2026.

Where listed debts come from

  • 27.5%Banks and credit cards
  • 21%Basic bills, such as electricity and water
  • 19.8%Consumer finance companies
  • 32.7%Other
Source: Serasa, April 2026. Share of all debts listed with credit bureaus.

Who the creditors are, in another dataset

  • Banks65.8%
  • Water and electricity10.0%
  • Retail8.3%
Listed debts by creditor sector, the three largest sectors. SPC Brasil and CNDL, August 2026. It is a different dataset, with a different question: it should not be added to or compared with the Serasa chart.

Thesis

Most debt technology works for the other side.

Credit, collections and settlements make money when the person borrows more or when the creditor gets paid. Tools to understand and plan exist, but they tend to be one-off, generic or limited to the debts that show up on a credit report. PlanoQuita does not make money from credit or from creditors: it makes money when the person sees value in following their own plan. It is an alignment that credit and collection models lack, and it is what sustains trust and retention in the product.

  • Credit and refinancing

    Makes money when the person borrows more.

  • Collections and settlements

    Makes money when the creditor gets paid.

  • Calculators and spreadsheets

    Do the math once and do not follow through.

  • Budgeting apps

    Show the numbers, but usually do not say where to start.

Audience

Who the product was built for.

People starting to get organized

Several debts, some overdue, and the feeling that every choice is wrong. They need clarity and a first step they can take.

People who pay, but at the limit

They keep almost everything current, but the month does not add up. They want to keep the situation from getting worse.

People who want to compare paths

Already organized and wanting to decide better. They compare options and see the effect of each choice before changing the plan.

Product

A debt payoff app built from the side of the person who owes.

An app that turns scattered debts into a plan the person understands and can follow. High, persistent indebtedness meets a generation used to handling their finances on their phone. The person decides at every step.

  1. 01

    Organizes

    All debts in one place, including rent, household bills and debts with relatives, which usually do not show up on a credit report.

  2. 02

    Explains

    The person鈥檚 situation in words, with what needs attention now.

  3. 03

    Recommends

    One of three solid payoff strategies, with the reason. The final choice is the person鈥檚.

  4. 04

    Plans

    A plan at a pace that fits the month, with an advance warning when a pace gets too tight.

  5. 05

    Follows through

    Check-ins, a new forecast when life changes and progress in plain sight, month by month.

Stage

What is done and what comes next.

Done

App for iPhone and Android ready, in Portuguese, English and Spanish, with in-house operations behind it.

Next

Launch in the stores and the first usage and retention metrics.

Later

Less effort for people to register and track their debts.

Usage metrics start being measured at launch. Cost structure, assumptions and scenarios, we share in conversation.

Model

Revenue from users. None from creditors.

Who pays
The person who uses the app, by subscription, with a way to use it without paying.
Where it stands today
There is no charge today.
Commitment
No revenue from creditors, from selling credit or from selling data.

Let鈥檚 talk.

For funds and angel investors interested in consumer finance. In the conversation we show the product working, the launch plan and the numbers. Write and tell us who you are and what you would like to see. We reply personally.

invest@planoquita.com.br