LinkedIn · Jun 2026
Founder post claims Pantore Pay originated R$42M in lending from R$45k initial capital, with same-day underwriting and low NPL, and describes the underwriting model and scale reached.
Working capital for Brazilian restaurants
Company research
Public company, workplace, funding, and market signals
Updated Jul 29, 2026
Overview
Pantore Pay is a São Paulo-based Brazilian fintech that started as a collective-buying platform and pivoted into a digital working-capital product for food-service SMBs (MEI/ME), letting them pay suppliers by boleto or Pix and repay in about 7 days. Public materials emphasize a fully digital, BaaS-enabled, supplier-restricted credit flow for restaurants, bars, bakeries, markets, and delivery businesses. No public GitHub or X account was found in the sources reviewed.
Primary product
Digital working-capital / supplier-payment credit app for food-service SMBs
Founded
2020
Headquarters
São Paulo, São Paulo, Brazil
Team size
10-20
Industry
Banking
Sub-industry
SMB fintech / short-term working capital for food service
Offices
Rua Galeno de Almeida, 188, Pinheiros, São Paulo/SP 05410-030, Brazil
Avenida Brigadeiro Faria Lima, 1811, Conj. Escritório 1119, Jardim Paulistano, São Paulo/SP 01452-001, Brazil
San Pablo, Andalucía, Spain
Business model
B2B lending
service-fee-based credit
banking-as-a-service-enabled payments
Funding
People & investors
Leadership
CEO and Co-founder
Co-founder & CTO
Business Development
FP&A Specialist
Coordenador de RH
Work & culture
Public materials describe a customer-centric, digital-first, fast-moving team focused on food-service businesses, transparency, and partnership; public employee-benefits details were not disclosed.
Product & market
Pricing
Service fee per transaction (public materials say it is not charged as interest); customers repay within about 7 days.
Differentiators
- —Credit is restricted to paying food and beverage suppliers ('crédito carimbado')
- —7-day repayment window
- —100% digital onboarding with Open Finance
- —Supplier is paid immediately while the customer repays later
- —May approve some negatively scored applicants after internal analysis
Technology
TypeScript
Node.js
React
React Native
GraphQL
MongoDB
MySQL
AWS Lambda
SNS
SQS
Datadog
Jest
Apollo Client
Redux
Storybook
Swift
Java
Open Finance
BaaS
Pix
Customers
MEI and ME food-service businesses
restaurants
bars
bakeries
merceries
minimarkets
delivery businesses
Competitors
iFood Crédito / MovilePay
Trademaster
Tino (formerly TruePay)
PayHop
Creditas
Scale & contact
Estimated revenue
USD 2.4M–4.8M estimated
Latest news
Pantore Pay · May 2025
Shows Pantore Pay supporting working capital and supplier payments for a bakery/panificadora, with customer praise for speed and sector understanding.
Pantore Pay · Apr 2025
Case study describing how a food-service operator used Pantore Pay after traditional bank credit was cut, highlighting the product's role in business continuity.
Pantore Pay · Feb 2025
Customer case study showing Pantore Pay being used for daily supplier payments, cash-flow control, and repeat usage by a São Paulo minimarket.
Finsiders · Jan 2024
Explains the pivot from collective buying to food-service credit, the 7-day supplier-payment model, service-fee pricing, early traction, and the US$500k Y Combinator backing.
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