Did you know that it is possible to start investing with only R$ 250? With this amount, you can take the first steps in this universe full of possibilities and achieve very advantageous financial returns.
One of the most promising options is investing in companies. With the advance of technology and the emergence of fintechs, these opportunities have become even more accessible and surprisingly profitable. In addition to ensuring good results, this type of investment also contributes to the growth of businesses in Brazil.
To start, it is important to understand the following: fintechs, technology companies operating in the financial sector, arrived in the country in 2013 and have not stopped growing since then (“Fintechs in Brazil 2023 Report” from Conversion). They brought faster and more secure solutions, taking advantage of technology to automate processes and provide more accurate information. Today, according to Fincatch, there are more than 2,000 fintechs in the national market, offering the possibility for anyone, individual or legal entity, to invest in credit for companies.
In this context, the good news is that, with small savings each month, it is possible to invest money in this modality. Without bureaucracy, with good profitability and security. This is highlighted by M3 Lending’s CEO, Gabriel César. Through M3, for example, it is possible to start investing with only R$ 250.00, and the return for the investor occurs with the payment of the loan installments, making this an accessible and profitable way to invest your money.
“Through the application, the investor chooses the available opportunities, and as soon as the company has the credit approved by us and starts paying the installments, investors begin to be rewarded,” explains the CEO. M3 already has more than 2,000 people connected to its application.
The profitability to investors in this modality varies from case to case but can reach 52.78%, much higher, for example, than investments in Tesouro Direto, remunerated by the Selic rate, which ended 2024 at 12.25% per year.
“In addition to profitability, the invested capital benefits entrepreneurs seeking loans to grow and hire. It is money that makes the economy rotate. It fosters businesses, generates employment, and income,” notes Gabriel César.
The steps are simple, as listed by M3’s CEO:
- First, a simple registration is done on the platform’s website (https://m3lending.com.br/).
- Then, you indicate how much you want to invest.
- The platform presents the available investment options, and then you just have to choose.
The executive also answers some common questions:
- Minimum investment: With just R$250.00, it is possible to become an investor.
- Return on investment: The return is directly linked to the payment of installments related to the contract of the invested company. Since the payment is monthly, your return is also monthly.
- Income Tax: It is withheld at the source, and the income statement is sent to the investor by M3 Lending.
- Risk: The return is directly linked to the payment of installments of the contract by the invested company. M3 conducts a credit analysis based on the company’s history and requests a guarantor as security. M3 has a collections team responsible for default cases and, through this team, takes extrajudicial actions or, in some cases, negotiates in the judicial sphere, always aiming to recover the outstanding amount in the best possible way.
- Withdrawal of funds from the account: The time is the same as a TED operation, that is, up to one business day.
