Brazil hosts numerous entrepreneurs with promising ideas and innovative solutions. However, many of these projects, with the potential to transform entire sectors, end up falling by the wayside; without the necessary investment, they miss the chance to achieve their true impact, which can affect market and economic growth.
Thinking of streamlining access to resources for real projects, Finme was born, founded in 2023 by Felipe Vergasta. She proposes an affordable and sustainable alternative, financing projects through the model ofcrowdfunding, or collective investment, and creating opportunities with great potential for profitability. The company has positioned itself in the market as a modern and efficient solution to connect investors and businesses in an agile, strategic, and secure way.
“During my experience in the financial market, I always noticed that many operations and projects were rejected because they did not meet all the requirements to receive financing. This caught my attention, as they were good projects, with great potential for innovation, for sectors that would certainly attract investors. There was a lack of something that would connect these two parties. Finme was born when I realized this pain, and the idea arose of working with companies that had been rejected by the market”, says Vergasta.
THEcrowdfundingInvestment is regulated and supervised by the Securities and Exchange Commission (CVM). The model resembles social crowdfunding, the famous online "vaquinhas," with the difference of providing financial return. Nele, people invest collectively in a project and, in return, receive contracts or securities that grant credit rights or participation in the invested business.
Finme coordinates public (for the general market) and private (for selected investors only) offerings to finance projects with real assets, with lower operational costs compared to traditional assets, while offering potentially higher returns. One of the company's early projects, focused on agribusiness, exemplifies the potential of crowdfunding: raised R$ 640,000 in a private offering, demonstrating how the model can boost strategic sectors with real assets.
“Our first private offering was a true trial by fire, and its success proved the demand for what we do. As it was a private model, the offer could only be directed to customers with whom we already had a relationship. Still, we managed to bring together a group of investors who approved the business model and are now reaping monthly dividends,” adds Vergasta.
Focusing on strategic sectors such as real estate, agribusiness, and renewable energy, Finme is becoming a reference in the market. For entrepreneurs seeking funding, the company conducts an in-depth analysis of the financial structure and develops customized marketing and publicity strategies.crowdfunding, ensuring an effective approach to obtaining the necessary credit.
“Entrepreneurs seeking financing for their projects usually seek credit from the bank. Often, they don’t even know that they can go through other avenues, such as crowdfunding, and end up opting for more expensive lines of credit. The idea is to show both those seeking investment and those who want to participate in new businesses that there are profitable and safe alternatives,” he concludes.
