Startup creates technology that allows Brazilians to invest in companies from R$ 250 and achieve high profitability

Did you know that it is possible to start investing with only R$ 250? With this value, 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 investment in companies. With the advancement of technology and the emergence of fintechs, these opportunities have become even more affordable and surprisingly profitable. In addition to ensuring good results, this type of investment still contributes to business growth in Brazil.

To begin with, 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 Report in Brazil 2023”). They have brought more agile and secure solutions, taking advantage of 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 any person, physical or legal, to invest in credit for companies.

In this context, the good news is that with small savings of one month, you can apply money in this modality. Without bureaucracy, with good profitability and security. This is what the CEO of M3 Lending, Gabriel Cesar. By M3, for example, it is possible to start investing with only R$250.00, and the return to the investor occurs with the payment of the loan installments, making this an accessible and profitable way to apply your money.

By the application, the investor chooses the available opportunities, and as soon as the company has the credit approved by us and begins the payment of the installments, investors are remunerated”, explains the CEO. M3 already has more than 2 thousand people connected to its application.

The profitability for investors of this modality varies from case to case, but can reach 52,78%, much higher, for example, than investments in the Treasury Direct, remunerated by the Selic rate, which ended 2024 at 12,25% per year.

“In addition to profitability, the resource applied benefits entrepreneurs who seek loans to grow and hire. It is money that makes the economy turn. It fosters business, generates employment and income”, notes Gabriel Caesar.

The steps are simple, as the CEO of M3 lists:

• First, a simple registration is made 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 just choose.

The executive also answers some doubts that are more common:

• Minimum contribution: With only R$250.00 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. As 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 makes a credit analysis based on the history of the company and requests an guarantor as collateral. M3 has a collection team responsible for cases of default and that, through this team, performs extrajudicial actions or, in some cases, negotiations in the judicial sphere, always aiming to recover the open value in the best possible way.
• Redemption of the amount in the account: The time is the same as a TED operation, that is, up to one business day.