We are modern,
we are innovative,
we are Spinet Bank

We seek to break paradigms. Our unique ecosystem allows for an approach which combines focus in accelerated growth without giving up profitability.

Our support for entrepreneurs goes far beyond access to capital. We adopted a Senior Peoples Hands-on stance, exploring joint business opportunities, optimizing costs and creating governance structures, which allow the formation of new exponents in the market.

Our pillars


Transparent performance, through state-of-the-art governance and with a professional team 100% dedicated to generating value for participants of the ecosystem


Multidisciplinary team with solid track record in the financial and technology sector and extensive knowledge of the challenges faced by entrepreneurs in each phase of their companies


We always seek to innovate, creating business models or adapting existing models in order to ensure that each participant in the ecosystem builds a successful trajectory


Strategy is focused on B2B and B2B2C, enabling a low-cost customer acquisition and a high risk discrimination capacity for group companies

Our Golden Circle

To create long-term partnerships
that better serve all our customers.

Through a highly specialized management team
that help make the best decisions and
implement the best strategies for long term growth.

Provide access to financial service solutions in the private
andbusiness sector whether established or emerging.

Our Services


We promote synergies between the companies within the group and act as an accelerator in the development and growth of each company.


Through our ecosystem, we have created a network of very strong contacts in the market that provides a very rich data base.


Go from a start-up to a scale-up by joining our network and funding.


A highly specialized management team in several areas to help your company grow with stability, strategy and the right partners.

Spinet Team

Marcelo Serfaty

Marcelo Serfaty


+ 30 years of experience
Founding Partner and Executive Director at G5 Partners Venture Capital; President of the BNDES board of directors; Former Controlling Partner of Banco Pactual; Member of the FGV Curator Council; PhD and master’s in economics from FGV.

Leonardo Ribeiro

Leonardo Ribeiro

CFO & New Business Director

+ 15 years of experience
Senior Partner at G5 Partners Venture Capital; Member of the Board of Administration of HALIPAR and MC1; Director of Advent International (2013); MBA from Columbia Business School (New York); Master’s and Graduation in Engineering from USP.

Henrique Antunes

Henrique Antunes

Retail and Individual Credit Director

+ 20 years of experience
Experience in the retail credit market, he held several Management and Leadership positions in important financial institutions such as Citibank, ABN AMRO, HSBC, GE Capital. Led the Cignifi Analytics Startup in Brazil (2017 - 2020).

Leandro Sanabio

Leandro Sanabio

CEO Bava

+ 15 years of experience
Experience in Credit Operations and Banking in Industry. CEO of Donus , part of AB Inbev (2018-2020), Head of fintechs Ambev in the same period. Corporative Manager of Planning and Performance (2017); Finance Manager (2016)