Over the course of its 32-years, Ademicon has become a true benchmark in consortium. It went from a company with regional operations to a brand with a national presence, earning the position of Brazil’s largest independent consortium manager in terms of active credits. Currently, according to data from the Central Bank of Brazil, the company ranks fifth out of all the players in the segment, including banks. In over three decades of activity, Ademicon has sold BRL 70 billion in loans and served 260,000 clients. As a result of an ongoing national expansion process, the brand is present in 21 states and the Federal District with 180 business units.
The business model (brand licensing) and the partnerships signed by Ademicon, combined with investment in technology and marketing, form the combination that has boosted the company’s growth in recent years. “We have evolved, but without losing our fundamental pillars, such as our focus on our clients and their achievements. Over the years, we have developed a solid and credible company,” emphasizes Tatiana Schuchovsky Reichmann, Ademicon’s CEO.
Ademicon is currently the only independent consortium manager in the country to have two private equity funds in its shareholding structure: Treecorp Investimentos and 23S Capital, which emerged from a strategic partnership between the Votorantim Group and Temasek, a sovereign wealth fund based in Singapore. The entry of the funds has strengthened the company’s corporate governance agenda, which has plans to go public in the future.
ADVISORY SERVICE AND DIVERSIFIED PORTFOLIO
Besides specializing in consortiums, another way Ademicon stands out is its consultative service, with personalized advice and guidance tailored to the individual needs and circumstances of each client. The company has a disruptive vision of consortiums, presenting the product as an investment as well as a financial planning tool for obtaining credit. “The consortium modality has been gaining more and more strength in the financial market, winning fans year after year and helping Brazilians to achieve different projects and invest in a safe and efficient way. It really is a product that transforms lives and democratizes access to credit in Brazil,” says Tatiana.
Through Ademicon Consórcio e Investimento, the company offers a consortium for properties, vehicles and services. With this modality, you can, for example, buy a property, a car and even take a trip, a cosmetic procedure or a course. Entrepreneurs also benefit from the modality by renewing their fleet or even buying or building real estate for their business. A consortium also works as an investment, as it allows you to build up a portfolio of properties to generate extra income from the rents. In order to maintain constant growth, one of Ademicon’s initiatives in recent years has been to diversify its product portfolio. Ademicon Administradora, another arm of the holding company, operates the consortium for major brands such as New Holland, Iveco, Librelato, Mitsubishi and Suzuki. It also manages Consórcio Coxa, the result of a partnership with Coritiba Foot Ball Club, Consórcio do Peixe, with Santos Futebol Clube, Consórcio do São Paulo FC, with São Paulo Futebol Clube, Consórcio do Vitória, with Esporte Clube Vitória, Consórcio Marisa, with Marisa, Compre Náutica, the result of a union with a nautical products purchasing consultancy, and PopCon Consórcio, in partnership with Grupo Massa.
The company also has strategic partnerships with BTG Pactual and Banco BV, through which it offers the consortium to the banks’ customers. Its portfolio also includes home equity (a loan secured by real estate), car equity (a loan secured by a vehicle) and quota equity (exclusive to the company), marketed by Ademicon Crédito, and insurance.
INVESTMENT IN TECHNOLOGY
In parallel with expanding its network, Ademicon is investing in technological innovation. The goal is to create a better experience for customers and the sales team, automate services with a focus on omnichannel operation and use data management as a growth vector for the company.
“We see technology as one of our strategic pillars, encompassing everything from internal operational processes to those related to the customer. Based on the investment we have made in the last year, we have created products with embedded technology solutions and launched functionalities related to the experience of consultants and the secondary market of the consortium (investment). Over the next two years, we plan to invest around R$50 million in this area,” says Guilherme Carrasco, executive vice-president of Ademicon. In 2023, Ademicon renewed its participation in Curitiba’s Innovation Incentive Program, Tecnoparque, which drives innovative projects in the region’s technology-based companies. The beneficiaries of the partnership develop technologies and solutions in products and services and become part of the Vale do Pinhão, Curitiba’s innovation ecosystem.
