Did you know that it's possible to start investing with just R$ 250? With this amount, you can take the first steps into this universe full of possibilities and achieve very advantageous financial returns.
One of the most promising options is investing in companies. With the advancement 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 begin with, 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 ("Fintech Report in Brazil 2023" by Conversion). They brought faster and safer solutions, leveraging 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 any individual or legal entity to invest in credit for companies.
In this context, the good news is that with small savings of one month, it is possible to invest money in this modality. Without bureaucracy, with good profitability and security. This is what M3 Lending CEO Gabriel César highlights. With M3, for example, it is possible to start investing with just 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 app, the investor chooses the available opportunities, and as soon as the company has the credit approved by us and begins to make the installment payments, the investors start to be remunerated," explains the CEO. The M3 already has more than 2,000 people connected to its app.
The profitability for 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 resource benefits entrepreneurs seeking loans to grow and hire. It is money that keeps the economy going. It fosters business, generates jobs and income,” observes Gabriel César.
The steps are simple, as listed by the CEO of M3:
- First, you make a simple registration on the platform 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 of the most common questions:
- Minimum contribution:With just R$250.00 you can become an investor.
- Return on investment:The return is directly linked to the payment of the 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 report is sent to the investor by M3 Lending.
- Risk:The return is directly linked to the payment of the installments of the contract by the invested company. M3 conducts a credit analysis based on the company's history and requests a guarantor as collateral. M3 has a collections team responsible for delinquency cases and, through this team, carries out extrajudicial actions or, in some cases, negotiations in the judicial sphere, always aiming to recover the outstanding amount in the best possible way.
- Withdrawal of the amount in the account:The time is the same as for a TED transaction, that is, up to one business day.
