Did you know it’s possible to start investing with just R$ 250? With this amount, you can take your first steps in this universe full of possibilities and achieve highly advantageous financial returns.
One of the most promising options is investing in companies. With the advancement of technology and the rise of fintechs, these opportunities have become even more accessible and surprisingly profitable. Besides ensuring good results, this type of investment also contributes to the growth of businesses in Brazil.
To start, it’s 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 (“Fintech Report in Brazil 2023” by Conversion). They brought faster and more secure solutions, leveraging technology to automate processes and provide more accurate information. Today, according to Fincatch, there are over 2,000 fintechs in the national market, offering the possibility for any individual or legal entity to invest in corporate credit.
In this context, the good news is that with small savings from one month, you can invest in this modality. No bureaucracy, good profitability, and security. This is what Gabriel César, CEO of M3 Lending, highlights. Through M3, for example, it’s possible to start investing with just R$250.00, and the investor’s return comes with the payment of loan installments, making this an accessible and profitable way to invest your money.
“Through the app, the investor selects the available opportunities, and as soon as the company has its credit approved by us and starts paying the installments, the investors begin to be remunerated,” explains the CEO. M3 already has over 2,000 people connected to its app.
The profitability for investors in this modality varies case by 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.
“Beyond profitability, the invested funds benefit entrepreneurs seeking loans to grow and hire. It’s money that keeps the economy moving. It fosters businesses, generates jobs, and income,” observes Gabriel César.
The steps are simple, as listed by M3’s CEO:
- First, complete a simple registration on the platform’s website (https://m3lending.com.br/).
- Then, indicate how much you want to invest.
- The platform displays the available investment options, and then you just choose.
The executive also answers some of the most common questions:
- Minimum investment:With just R$250.00, you can become an investor.
- Investment return:The return is directly linked to the payment of installments related to the invested company’s contract. Since the payment is monthly, your return is also monthly.
- Income tax:It is withheld at source, and the income statement is sent to the investor by M3 Lending.
- Risk:The return is directly linked to the invested company’s payment of contract installments. M3 conducts a credit analysis based on the company’s history and requires a guarantor as collateral. M3 has a collections team responsible for delinquent cases, and through this team, it carries out out-of-court actions or, in some cases, judicial negotiations, always seeking to recover the outstanding amount in the best possible way.
- Withdrawal of funds to the account:The time is the same as a TED transaction, meaning up to one business day.
