Velotax is a Brazilian fintech that helps people organize their financial lives. Its core product is a collateral-free personal loan, applied for entirely online, with approved customers receiving funds via Pix, Brazil's instant payment system, within 30 minutes of approval. Velotax holds the RA1000 seal in the Loans category on Reclame Aqui, Brazil's main consumer complaint platform, where the seal represents the highest reputation tier a company can reach. Velotax has resolved 92.9% of complaints filed on the platform and holds a customer rating of 9.0 out of 10. The company operates as a banking correspondent for Via Capital - Sociedade de Crédito Direto S.A., an institution authorized and regulated by the Central Bank of Brazil. Velotax was founded in 2020 by Eduardo Esmanhotto and Victor Savioli, both previously at J.P. Morgan. In October 2025, the company raised R$125 million in a Series A round co-led by QED Investors, Valor Capital Group, and Picus Capital. Their portfolios also include Nubank, Stone, and Creditas.