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Ume

Ume

Private
São PauloFinTechhttps://www.ume.com.br/

Last Round

Debt

Feb 28, 2026

Total Funding Raised

$95.3M

Momentum

Top 25%

of companies Caplight tracks

Company Overview

Ume is a fintech company that provides a merchant-facing credit infrastructure and Pix-based payment network, enabling small and medium-sized businesses to offer consumer financing products at the point of sale.

Sector

FinTech

Verticals

Lending & Credit, Digital Payments, BNPL, Retail Technology, Credit Scoring

Business Model

B2B2C

Customer Profile

Payment Processing Fee, Services & Consulting

AI Layer

Application

Keywords

embedded financePixbuy now pay laterBNPLPix parceladocredit underwritingmerchant servicesAI credit scoringpoint of salePOSinstallment paymentsSMB lendingpayment infrastructurefintech platformautomated collections

Historical Pricing

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Caplight Momentum Score

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Ume Comps

Public and private peers based on sector, stage, and business model.

Ume comps — public and private peers by sector, stage, and business model
CompanyStatusEst. ValuationRev Multiple
OpenAIPrivate$86.0B~40x
CoherePrivate$5.0B--
Competitor 1Public$XX.XBXXx
Competitor 2Public$XX.XBXXx

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Ume Funding Rounds

Historical fundraising activity

Data table
RoundDateAmount RaisedValuationInvestorsSources
DebtFeb 28, 2026
Series BSep 8, 2025
Series AAug 30, 2024
DebtAug 30, 2024
DebtApr 29, 2022
Seed
Apr 29, 2022

Key People

Founding team and executive leadership

Berthier Ribeiro

CEO

Executive Team

Theo R.

COO

Executive Team

Ume Investors

Notable investors and investment history

Ume investors
InvestorRounds
Valor Capital GroupSeries B
Bradesco BBIDebt
Western Asset Management CompanyDebt
NFXSeries B, Series A, Seed
PayPal VenturesSeries B, Series A
Clocktower VenturesSeed, Series A
Norte VenturesSeed, Series A

Market signals

Structured signals derived from secondary market and firmographic data.

  • Apr 1, 2026

    Featured in 'Startups to Watch' list.

  • Mar 1, 2026

    Featured in a 'Startups to Watch' list.

Ume Filings

SEC and related filings with document metadata.

Data table
TypedDateAmount OfferedAmount SoldFillingPagesDownload
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Ume Filings

SEC and related filings with document metadata.

Frequently Asked Questions

Common questions about Ume's valuation, stock price, and market status.

Firmographic Details

HeadquartersSão Paulo
Employee Range375
Year Founded2018
Last FundingFeb 28, 2026

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