Did you know that it is possible to start investing with just R$ 250? With this amount, it is possible to 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 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 still contributes to the growth of businesses in Brazil
To begin, it is important to understand the following: fintechs, technology companies that operate in the financial sector, arrived in the country in 2013 and, since then, have not stopped growing (“Fintechs in Brazil 2023 Report” by Conversion). They brought more agile and secure solutions, leveraging technology to automate processes and provide more accurate information. Today, according to Fincatch, there are more than 2 thousand fintechs in the national market, offering the possibility for anyone, physical or legal, investing in credit for companies
In this context, the good news is that, with small savings from a month, is it possible to invest money in this modality. No bureaucracy, with good profitability and security. This is what the CEO of M3 Lending emphasizes, Gabriel César. By 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 this is how the company has the credit approved by us and starts the payment of the installments, investors start to be compensated, explain the CEO. M3 already has over 2,000 people connected to its app
The profitability for investors in this modality varies from case to case, but it can reach 52,78%, much bigger, for example, what investments in Treasury Direct, remunerated by the Selic rate, that ended 2024 in 12,25% per year
"Besides profitability, the applied resource benefits entrepreneurs seeking loans to grow and hire. It is money that makes the economy turn. Fosters business, generates jobs and income, observe Gabriel César
The steps are simple, according to the list the CEO of M3
- First, a simple registration is made on the platform's websitehttps://m3lending.com.br/).
- After, it indicates how much you want to invest
- The platform presents the available investment options, and then it's just a matter of choosing
The executive also answers some of the most common questions:
- Minimum contribution:With just R$250,It is possible to become an investor
- Return on investment:The return is directly linked to the payment of the 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 report is sent to the investor by M3 Lending
- Risk:The return is directly linked to the payment of the contract installments by the invested company. M3 conducts a credit analysis based on the company's history and requires a guarantor as collateral. M3 has a collections team responsible for cases of default and that, 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 a TED operation, that is, up to one business day
