CloudWalk completes Brazil’s largest structured credit deal of 2025 and breaks its own record

São Paulo, October 2025 – CloudWalk, the technology company behind InfinitePay and Jim.com, has completed Brazil’s largest structured credit transaction of 2025. The company raised funds through a Receivables Investment Fund (FIDC), a financial vehicle commonly used in Brazil and comparable to an asset-backed security, with resources dedicated to financing credit card receivables for more than 6 million entrepreneurs served by InfinitePay.

The new fund, named FIDC Bela, raised R$ 4.2 billion (US$ 780 million). The proceeds will strengthen InfinitePay’s receivables financing operations, a service known in Brazil as antecipação de recebíveis, which allows small and medium-sized businesses to receive early payment on future credit card sales, improving their cash flow and accelerating growth.

With this, CloudWalk surpassed its own record: FIDC Pi, concluded in June this year, had been the largest of 2025 until now, raising R$ 3.14 billion (US$ 570 million). “This new milestone for CloudWalk is the result of investor confidence and the consistency of our work. It crowns the thesis and success of our previous FIDCs, showing that the capital markets are a solid and strategic source of diversified funding, ensuring stable and long-term resources to sustain our expansion,” says Pablo de Mello, COO of CloudWalk.

In September, CloudWalk surpassed US$ 1.2 billion in annualized revenue and US$ 128 million in annualized net income in September 2025. Recognized for its AI-first approach, the company has accelerated its growth, with revenue nearly tripling over the past 18 months, fueled by the rollout of AI-based products and services. 

Since 2021, CloudWalk has structured 11 FIDCs, totaling R$ 14.7 billion (US$ 2.8 billion) in raised capital.  The most recent transaction was coordinated by Itaú BBA, Bradesco BBI, UBS BB, BTG Pactual, Santander, Safra, and Banco Votorantim. “Each new issuance reinforces our long-term vision: to build a solid, efficient, and sustainable financial model capable of empowering millions of entrepreneurs across the country,” concludes Pablo de Mello.

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