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https://docs.google.com/spreadsheets/d/1LW5R_0rRYUQq6FR5BDxq7oOMuWf45n3StDnZ7Lo8LvU Empresa aposta em nichos de cartões

Empresa aposta em nichos de cartões

on Sexta, 05 Abril 2013. Posted in Notícias

Diante do potencial de expansão do mercado brasileiro de cartões, novas empresas  focam em nichos específicos, como o caso da Suppliercard, que utiliza a plataforma de cartões private label — plásticos de uso restrito em uma rede ou loja — para fornecer crédito para pequenas e médias empresas, que são clientes de grandes indústrias dos ramos de alimentação, construção civil, celulose, entre outras. A projeção orçada para 2012 é de R$ 3,4 bilhões em desembolsos, valor 9,7% acima do registrado em 2011, quando somou R$ 2,100 bilhões.

Até junho, os desembolsos atingiram R$ 1,2 bilhão, com patrimônio líquido de R$ 124 milhões, podendo atingir R$ 135 milhões no final de 2012.

No que se refere às receitas líquidas, o valor estimado para este ano é de, aproximadamente, 50% acima do registrado em 2011, de R$ 70 milhões para R$ 105 milhões. Até junho, a receita ficou em R$ 41 milhões.

Já o faturamento acumulado do mercado, até julho, foi de R$ 435,421 bilhões, 20% superior ao totalizado no primeiro semestre de 2011, de acordo com dados da Associação Brasileira das Empresas de Cartões de Crédito e Serviços (Abecs).

Com oito anos de atuação ativa, a Suppliercard, atualmente, é a única fornecedora do produto, no qual os 20 grandes clientes (indústrias) fornecem cartões para varejistas, atacadistas ou distribuidores para a aquisição de insumos. A carteira de PMEs reúne 180 mil companhias.

Produto semelhante de fomente às empresas de pequeno porte  é o cartão BNDES, que fornece crédito  por intermédio de grandes instituições financeiras. O BNDES possui ainda a liberação de recursos para o Programa Progredir, que financia a cadeia de produção da Petrobras.  

Mauro Wulkan, fundador e CEO, detalha que o cliente da indústria não percebe a Suppliecard, já que o produto é personalizado e restrito. “Vira um agente financeiro, mas sem ser, porque fica fora do balanço e a análise do crédito, funding e operação ficam com a Suppliercard”.

Para a pequena e média empresa, detalha Wulkan, a vantagem está no aumento do prazo, limite maior de crédito e acesso a programas de fidelização. Já para a indústria, a venda é recebida à vista, há a geração de novas receitas, além do maior relacionamento com o comprador. “Crédito não deveria ser uma atribuição da indústria. Quando o banco não aparece, terceiriza e foca na produção”, diz Wulkan.

A Supppliercard surgiu em 2003 com a saída do executivo, mais o outro fundador Eduardo Wagner, da Fininvest, financeira do antigo Unibanco. Hoje, a composição acionária é dividida entre Wagner, Wulkan e o grupo Ourinvest, instituição financeira que dá apoio às operações de crédito. Há ainda a participação minoritária do fundo de private equity Pátria Investimentos.

Além da emissão e distribuição dos plásticos, a companhia centraliza também a adquirência física ou online. Ao ser questionado pela opção de desenvolver a tecnologia e não utilizar as empresas, já existentes, como Cielo e Redecard, Wulkan diz que a decisão veio com o custo. “Seria mais caro e teríamos que fazer integrações. O produto não seria viável economicamente se usássemos a adquirência de terceiros”.

Todo o sistema tecnológico leva de quatro a cinco meses para ser implantado e a taxa depende do risco, tíquete médio e capilaridade de clientes da indústria.

Os próximos passos, segundo Mauro Wulkan, incluem a colocação de bandeiras para o uso livre em todo o comércio, conhecido como private label híbrido. “Temos o projeto para o segundo semestre de 2013. Já falamos com as principais bandeiras.

Fonte: DCI

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