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Artificial Intelligence decreases the integration time between companies from months to days

E-Commerce Update
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Artificial Intelligence decreases the integration time between companies from months to days

Em 2024, o Brasil registrou 1.247 operações de fusão e aquisição, segundo a consultoria Kroll, e a integração pós-fusão — conhecida como Pós-Merge Integrity (PMI) — é um momento determinante para o sucesso dessas transações. A Louro Tech, fundada em 2024 por Felippe Pires, ex-sócio da XP e atual CEO, resolveu esse problema ao combinar inteligência artificial (IA), consolidação de dados em tempo real e um CRM avançado, reduzindo o tempo médio da PMI de longos meses para apenas alguns dias. Atualmente, a empresa administra mais de R$ 20 bilhões em ativos e tem projeção de alcançar R$ 100 bilhões até o final de 2025.

Durante a PMI, existem várias barreiras a serem enfrentadas pelas empresas envolvidas. “Cada minuto conta. Integrar sistemas diferentes não é só uma questão técnica – é um risco operacional que amplifica choques culturais entre equipes. Quando informações essenciais se perdem na transição, o que era para ser sinergia se torna um problema”, explica Pires. O especialista cita como exemplo, a integração de dados que ele a Louro Tech realizou entre duas empresas. “Consolidar os dados históricos de gestão comercial das duas empresas para potencialização das sinergias, por exemplo, levaria pelo menos dois meses. Nós reduzimos este tempo para três dias, realizando a fusão sem perder um único dado”, comenta o CEO. 

Outro facilitador pode ser a ferramenta utilizada pelas organizações para analisar e gerir seus dados. Caso as empresas envolvidas no processo de fusão ou aquisição utilizem previamente a mesma ferramenta, a transição pós-fusão se torna muito mais suave. “O fato de usar uma mesma estrutura de dados facilita muito no PMI. E como  a instalação e  implementação da ferramenta é muito rápida – configuramos e implementamos em até uma semana –, conseguimos fazer a fusão de empresas de forma mais ágil no que tange à gestão dos dados”, complementa o CEO.

Estudos apontam que 41% das fusões e aquisições fracassam por falhas na integração entre as empresas, levando a prejuízos financeiros significativos. A incapacidade de consolidar rapidamente informações estratégicas pode resultar em perda de clientes, desalinhamento entre equipes e dificuldades na adaptação a novos processos operacionais. O especialista explica que um escritório que gerencia R$ 500 milhões em ativos, por exemplo, pode chegar a gastar em média 16 horas semanais corrigindo erros entre planilhas desconexas — tempo que poderia ser dedicado à captação de novos clientes.

A integração eficiente de dados não apenas acelera a transição operacional, como também permite que as empresas assegurem conformidade regulatória e mitiguem riscos jurídicos. Documentação financeira e relatórios obrigatórios podem ser gerados automaticamente, reduzindo erros e garantindo transparência para auditorias e órgãos reguladores. “Não se trata apenas de consolidar dados, mas de garantir que toda a operação transcorra sem falhas, evitando sanções regulatórias e otimizando o tempo”, complementa Pires.

Esta eficiência impacta diretamente a retenção de talentos dentro das empresas envolvidas na fusão. Um processo ágil e bem estruturado minimiza incertezas, reduzindo a taxa de rotatividade de profissionais-chave. Empresas que enfrentam transições prolongadas e desorganizadas frequentemente perdem talentos estratégicos para concorrentes, comprometendo a continuidade dos negócios. A tecnologia da Louro Tech facilita a adaptação das equipes, assegurando que a fusão alcance seus objetivos de crescimento e sinergia operacional.

Mobiis announces launch of freight marketplace to connect carriers and shippers

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Mobiis announces launch of freight marketplace to connect carriers and shippers

THE Mobiis, an ecosystem that connects SaaS solutions for the transformation, efficiency and innovation of the logistics chain in Brazil, announces the launch of its freight marketplace, in order to connect carriers and shippers in an agile, efficient and safe way. Developed to boost the logistics segment, the exclusive tool has more than three thousand approved carriers and a centralized platform for all operations, ensuring greater predictability and operational control.

Idealized for companies seeking new loads aligned to their profile or wishing to expand their network of customers, the platform provides real business opportunities. The solution quickly and efficiently connects carriers facing challenges to find compatible cargo with shippers seeking to distribute them strategically, ensuring budget and competitive deadlines.

In this sense, the Mobiis freight marketplace provides a Service Level Agreement, known as SLA, and values defined in a single secure environment. “ Shippers will offer their cargo to companies with a compliant profile and, above all, that already operate in the region of origin and destination of the cargo. This expands business opportunities with transparency and efficiency, while the complete connection is made in less than an hour” Adriano Cagnini, Mobiis operations director.

Adriano Cagnini, Mobiis operations director (Disclosure)

Mobiis will officially launch this functionality during its participation in Intermodal South America, the largest and most complete event of logistics solutions in the Americas.In order to transform the national logistics segment through innovation and effectiveness, logtech was developed from the merger of Pathfind and Fretefy companies.
 

With a portfolio of more than five thousand renowned brands using its robust and specialized solutions, such as Heineken, Carrefour, FedEx, Riachuelo, Nestle, Algar Telecom, Votorantim, Gerdau, AAK, Ajinomoto and Consigaz, Mobiis projects a growth of 300% by the end of 2025.

RechargePay guarantees more savings on Easter purchases

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RechargePay guarantees more savings on Easter purchases

With the arrival of Easter and prices rising, RecargaPay is a more advantageous alternative for consumers who want to save without giving up purchases in the period. When using the Credit Card RecargaPay, customers receive 1.5% of cashback in all transactions and the balance is credited directly to the digital wallet of the app IO that still yields the equivalent of 110% of the CDI.Paying with the card, the purchase can still be parceled out by up to 18x, without bureaucracy.
 

About 102.6 million people plan to buy Easter items this year, according to a survey conducted by the National Confederation of Shopkeepers (CNDL) and the Credit Protection Service (SPC Brazil). In response to this demand, RecargaPay offers payment solutions that favor consumers when giving gifts to friends and family, either with a credit card that returns part of the amount spent or with the possibility of payment via Pix parceled, with the lowest rate in the market, of only 3.99%.
 

“We know that Easter is one of the most relevant dates for national retail, but we also recognize that the current scenario of price increases in the country requires even more attention to financial control. Therefore, at this time we reiterate our role as a payment tool that combines convenience and economy at the time of Brazilian purchases, with solutions that guarantee more advantages for their financial life”, evaluates Nelson Leite, VP of Payments at RecargaPay. “Our focus is always to enable conscious consumption, offering more control of spending and more profitable return to our more than 10 million” customers.
 

How to apply for the RecargaPay Credit Card?

On the home screen of the app, select the option“Credit card” and tap “Prepose now”. Then validate your identity, confirm the information and accept the terms and conditions. The credit limit will be set based on the amount reserved in the wallet, so put a balance on the card to ensure release. Finally, you just need to review the data and complete the order. Approval is immediate, without charge of annuity, and the whole process happens simply, quickly and securely.
 

The card is the only one in the category it offers cashback 1.51 Tp3T in all purchases. With the guaranteed limit model, the customer defines how much he wants to put on the virtual card and, consequently, how much he can spend, providing more control and financial organization. In addition, the reserved amount continues to automatically yield in the application wallet, with profitability equivalent to 1101 Tp3T of the CDI.

With creativity, online stores go beyond chocolate and increase revenue by 30% during Easter

E-Commerce Update
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With creativity, online stores go beyond chocolate and increase revenue by 30% during Easter

According to Nuvemshop, the leading e-commerce platform in Latin America, there was a 30% increase in the revenue of small and medium-sized e-commerce businesses that invested in Easter, reaching R$$ 3.9 million. Approximately 88 thousand products specific to the holiday were sold, a 28% growth compared to 2024.

Products registered as "Easter" on the platform grew by 42% in the number of items sold and 45% in revenue, generating over R$1.6 million. Meanwhile, chocolates, a symbol of the holiday for many people, saw a 5% drop in the total number of products sold in e-commerce.

“Easter is the big moment of the year for pastry shops and chocolateries, but for retailers in other sectors, the holiday can be an extra opportunity to offer different products to the consumer. Currently, we have over 150,000 customers on the platform, from the most varied sectors. On all commemorative dates, we have retailers offering options to all types of consumers,” explains Carolina Lago, Brand and Content Manager at Nuvemshop. “We seek to facilitate access to e-commerce for entrepreneurs, but we also directly benefit the consumer by expanding the range of products according to each one's needs at any time of the year,” she concludes.

The success in selling products from other segments is the case of Parafinesse, an e-commerce store for candles and aromatic products, which has bet on a current trend and created two commemorative candles for the period: one with chocolate and orange and another with pistachio, with the option to purchase them in an Easter egg-shaped package. The novelty pleased customers and they had, in March alone, an increase of 37% in revenue; the average ticket, the amount spent by a consumer on the site, also grew by 12%.

“At Easter, we are greatly impacted by images and offers of chocolate, but there are people who do not consume it. Thinking about these people, we wanted to offer a product that would evoke the comfort associated with the sweet treat,” says Beatriz Costacurta, founder of Parafinesse. “It worked: the candles were so successful that we are considering keeping them in our permanent catalog,” she adds.

The data was collected from the Brazilian database of Nuvemshop store owners, during the period from March 14 to April 13, 2024 and 2025.

Is digital inclusion the new driver of financial empowerment?

Laila Martins
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Is digital inclusion the new driver of financial empowerment?

With the expansion of internet access and the use of digital platforms, millions of Brazilians have found opportunities for training, entrepreneurship and insertion in the digital market. According to the ICT survey Households 2024, 84% of the population is connected and 74% use the network for professional or educational activities, which shows how connectivity has been consolidating as a bridge to economic and social development.

This advance, however, is not limited to income generation. It represents a concrete chance to face historical inequalities, expanding access to resources that were previously restricted to a portion of citizens. For this potential to be fully realized, it is necessary to invest in digital infrastructure, professional training and technologies that involve the active participation of all in the connected economy.

How does digital inclusion create income opportunities?

The internet has opened doors that once seemed inaccessible. Working from anywhere, making extra gains as a freelancer or even turning a hobby into your own business has become a reality for many people. Those who need flexibility or face difficulties in the traditional market find in digital a more democratic space. Undertaking online has also become simpler and cheaper, since just a mobile phone and a good idea to start. Social networks such as YouTube, TikTok and Instagram have become monetization platforms, while e-commerce continues to grow and create new horizons.

But it is not enough to have access to the internet, you need to know how to use it to your advantage. Digital learning platforms offer practical courses that help develop skills valued in the market, making it easier to change careers or seek an extra source of revenue. In addition, strategies such as affiliate marketing and referral programs allow anyone to make money connecting consumers to products and services. With more knowledge and tools at hand, the path to financial independence becomes increasingly accessible.

And edtechs play an essential role in this transformation. In addition to providing training, many create partnerships with companies to bring professionals from real perspectives. Projects aimed at poor communities guarantee access to devices and connectivity, allowing more people to participate in the digital economy. In the end, digital inclusion is not just about technology & is about giving equal chances so that everyone can grow, undertake and achieve a better life.

Challenges and paths

There are still barriers along the way. Without adequate infrastructure, millions of people still lack access to quality internet, which limits work, learning and growth. Data from the ICT Households 2024 survey reveal that 29 million Brazilians still do not have access to the internet, which reinforces the challenges of digital inclusion in the country. And even among those who use the network regularly, only 22% have a significant” connectivity, which considers factors such as frequency of use, quality of connection, access to appropriate devices and digital skills.

That is, the lack of training also prevents many from taking advantage of what technology has to offer. At the same time, the increase in virtual transactions brings new risks, such as financial scams, making digital security a priority. Without effective public policies, digital inequalities tend to deepen.

On the other hand, technological advances continue to pave the way for us to go. Artificial intelligence already enables people and companies to focus on more strategic tasks, while digital businesses are structured based on data and automation. Online education breaks down geographical barriers and expands access to knowledge, and new forms of monetization, such as the creative economy and NFTs, are opening paths to income generation.

E-commerce is one more that consolidates, democratizing digital entrepreneurship. Models such as dropshipping and affiliate marketing facilitate the entry of entrepreneurs into the market. Freelance work grows, connecting professionals to opportunities anywhere in the world.

When connectivity, empowerment and security go together, digital is no longer a privilege and becomes a vector of transformation. The future of the economy is the active participation of all in this environment, and true financial empowerment is born when technology is put at the service of equity.

Easter 2025: With 70% of Consumers Anticipating Purchases, Planning Will Be the Key Differentiator for Brands

Caroline Mayer
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Easter 2025: With 70% of Consumers Anticipating Purchases, Planning Will Be the Key Differentiator for Brands

A Páscoa sempre foi um termômetro confiável sobre como anda o comportamento do consumidor, mas em 2025, ela promete ser ainda mais significativa. Uma recente pesquisa realizada pela Globo revelou que 83% dos brasileiros pretendem comemorar a data este ano – uma alta considerável em relação aos 68% que celebraram em 2024. Essa mudança indica uma janela de oportunidades para marcas e varejistas. Por isso, entender antecipadamente o consumidor fará toda a diferença.

Quando falamos em comportamento de compra, percebemos que alguns padrões estão sendo reforçados, enquanto outros evoluem rapidamente. A cesta de alimentos e bebidas continua sendo uma protagonista nesta época, especialmente devido à tradição religiosa que permanece forte no país: 65% dos entrevistados pela pesquisa afirmaram não consumir carne vermelha na Sexta-Feira Santa. Além disso, para 73% dos brasileiros, a refeição de Páscoa é mais do que uma simples celebração – é um momento para reunir amigos e familiares. Esse dado reforça um fator chave: o consumidor não busca apenas produtos, e sim experiências compartilhadas, o que cria oportunidades para marcas se posicionarem emocionalmente e conquistarem espaço na memória afetiva dos clientes.

O mais interessante talvez seja o comportamento relacionado às compras de chocolates e doces. Nada menos que 74% dos brasileiros afirmam ter intenção de comprar ovos de Páscoa, chocolates ou doces em 2025. Entre as preferências gerais da população, destacam-se os ovos de Páscoa industrializados vendidos em supermercados (47% dos entrevistados mencionaram interesse por esse produto, crescimento de 1 ponto percentual em relação ao ano anterior), ovos artesanais vendidos em lojas especializadas (49%) e bombons industrializados (29%). Esse movimento indica uma preferência significativa por produtos industrializados, o que pode estar ligado tanto a questões econômicas quanto à praticidade e à confiança nas marcas conhecidas. Para marcas e varejistas, esse cenário sugere oportunidades claras em estratégias focadas em conveniência, qualidade percebida e no fortalecimento da relação de confiança já estabelecida com o consumidor.

No aspecto logístico, os super e hipermercados seguem liderando, sendo a preferência de 59% dos entrevistados, enquanto lojas especializadas (33%) e atacadistas/atacarejo (23%) dividem o restante das preferências. Isso significa que, embora a digitalização seja inevitável e essencial, a experiência física e presencial continua sendo um ponto crucial, especialmente em datas comemorativas como a Páscoa. Assim, estratégias omnichannel deverão ser desenhadas cuidadosamente para integrar o melhor dos dois mundos.

Impacto da antecipação das compras

Outro ponto revelador é o comportamento cada vez mais antecipado dos consumidores. Em 2023, segundo dados da campanha feita pela Mondeléz Brasil em parceria com a RelevanC, 40% das compras aconteceram entre um mês e oito dias antes da Páscoa. Em 2024, essa antecipação aumentou para 53%. Agora, para 2025, a tendência permanece forte, com 59% dos consumidores afirmando que irão realizar suas compras com antecedência – sendo 25% aproximadamente um mês antes e 34% com cerca de 15 dias antes da data. Esse comportamento reforça a importância de iniciar campanhas promocionais e estratégias de comunicação com antecedência suficiente para captar a atenção e atender às expectativas do consumidor.

Essa evolução consistente traz uma mensagem clara para as marcas: a comunicação e as estratégias comerciais precisam começar mais cedo do que nunca. Os consumidores não estão mais esperando ofertas de última hora; ao contrário, estão se planejando financeiramente e emocionalmente com antecedência. Esse comportamento pode ser resultado de um consumidor mais cauteloso, que pesquisa preços, opções e qualidade antecipadamente, valorizando mais uma compra segura do que impulsiva. 

Para as marcas, o benefício dessa antecipação é claro: campanhas mais longas permitem ações de branding mais efetivas, um relacionamento mais consistente com o consumidor e, consequentemente, melhores resultados em conversão e retenção, como vimos no exemplo bem-sucedido da Mondeléz.

O case da Mondeléz é um bom exemplo do que acontece quando uma marca compreende essa dinâmica. Ao antecipar sua campanha de Páscoa em 2024 e utilizar dados comportamentais para segmentar ações, 53% das vendas foram antecipadas. Além disso, a campanha trouxe novos consumidores para a marca (50% eram novos compradores no e-commerce), o que prova o potencial de antecipação não apenas para aumentar vendas imediatas, mas para ampliar a base de clientes a longo prazo. O fato de 66% das transações incluírem produtos adicionais (tabletes) indica que o consumidor, quando alcançado mais cedo, está aberto a comprar mais e experimentar produtos diferentes, desde que estimulados corretamente.

Diferencial competitivo

Neste contexto, podemos afirmar com segurança que a antecipação será um diferencial competitivo para a Páscoa de 2025. As marcas que compreenderem que quase 70% dos consumidores estão dispostos a antecipar suas compras poderão criar estratégias mais eficazes, desde a segmentação até a gestão de estoque e campanhas publicitárias.

O grande aprendizado é que os consumidores estão mais planejados, mais atentos e, acima de tudo, mais exigentes. Portanto, a capacidade das marcas em antecipar demandas, personalizar ofertas e garantir uma experiência fluida será crucial para aproveitar ao máximo essa janela de oportunidades.

A Páscoa 2025 não será apenas sobre vender mais chocolates, mas sobre quem consegue estabelecer conexões genuínas com o consumidor, antecipando-se às suas expectativas e garantindo uma experiência completa e memorável.

Delegating intelligently and developing leadership strengthens business growth

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Delegating intelligently and developing leadership strengthens business growth

One of the biggest obstacles to the growth of small and medium-sized companies is the attempt of the entrepreneur to maintain absolute control over all decisions and processes. Although direct involvement in operations seems to be a sign of commitment, this centralization compromises the scalability of the business and exhausts the time of the manager. To expand with consistency, it is essential that leaders learn to delegate with discretion and build teams prepared to assume responsibilities with autonomy.

Second Samuel Modesto, business management specialist and business mentor, knowing what to delegate and how to delegate is a strategic skill. “This does not mean that the manager is giving up control, but rather creating an intelligent system where each person contributes their best. The entrepreneur needs to leave the operational and take on his role as growth leader”, he evaluates.

Delegating is not abdicating: it is directing clearly

The first step to an effective delegation is to identify which tasks really require the look of the entrepreneur and which can be passed on safely. The management of internal processes, routine attendance or the execution of operational tasks are clear examples of activities that can & should & should & should & should be performed by other people. “The most common mistake is to think that no one does as well as the owner. This thought limits business growth and generates” overload, comments Modesto.

However, delegating does not mean transferring a task and disappearing. It is necessary to provide guidance, monitor the results and be available to support the team. “The difference between delegating and abandoning is the ongoing responsibility. The leader must remain present, following indicators and providing” feedback, the expert points out.

Environments that foster leadership create stronger businesses

In addition to the technique, the environment also needs to be favorable. Companies that want more autonomous teams must build a culture of trust, where employees feel safe to make decisions, suggest solutions and make mistakes when necessary. According to Modesto, empowerment does not happen by decree, but by the way leadership conducts day to day.

“Companies that strengthen their internal leadership, invest in clear communication and value the opinion of teams create an ecosystem where collective growth is inevitable. When the employee realizes that he has space and support, he starts to act with more responsibility and initiative”, he highlights.

For the expert, freeing the entrepreneur from operational tasks and strengthening the performance of the team leaves the company less dependent on a single person to function, in addition to maximizing the speed and capacity for innovation.“Scalar requires prepared leaders and protagonists collaborators. Only then the entrepreneur can focus on where it really makes a difference: in the future of the business”, concludes Modesto.

Six smart solutions to boost online sales

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Six smart solutions to boost online sales

Part of the Brazilian consumer routine, e-commerce has been gaining more and more followers. So much so, that according to the Brazilian Electronic Commerce Association (ABComm), the sector should reach, in 2025, its eighth consecutive year of growth, with an increase of at least 10% of revenues compared to last year, exceeding the R$ 234 billion.

“These expectations are interesting and totally plausible, especially if online stores can draw up good strategies for attracting new customers, increasing average ticket, loyalty of old customers and, of course, if they work on reversing situations such as abandonment of carts and navigation, which often fail to receive the proper attention”, analyzes Felipe Rodrigues, founder and CEO of Sent 5 Platform specialized in tools and solutions to automate marketing for e-commerce. 

According to the executive, it is currently possible to have tools and platforms that directly assist in the implementation of strategies that increase sales by up to 50%. The secret, in Rodrigues' view, is the proper and combined use of available technologies. 

“If the e-commerce team knows how to combine the right tools, create campaigns and actions that have synergy with the consumer public and operate concretely the mechanisms to recover that customer who does not make his purchase, success is guaranteed!”, highlights. 

Felipe Rodrigues also points out 6 solutions that collaborate to automate marketing and help increase online sales 

- Email Marketing: it is one of the favorite tools of consumers for the relationship with the stores where they usually make their purchases, according to a survey by Opinion Box. Through this channel, it is possible to deliver personalized content to the customer, at a low cost, in a creative and effective way. The traditional, when well executed, produces relevant results. 

-Recuperator of Abandoned Trolleys: it is another tool that has already demonstrated its potential. The technology detects when a purchase is not made and the cart is abandoned and automatically issues special communications to the consumer, remembering about the selection made and, in some cases, offering discount coupons for the purchase to be completed. 

-Recompra Inteligente: it is a tool that will help especially the e-commerce that performs the sale of products of recurrent use. The solution operates based on a series of information, such as the estimated average time for the consumption of each product, the time interval between the purchases of the same item by a series of customers, as well as algorithms. Shortly before that item runs out in the customer's home, the tool makes a reminder that it is time to purchase it again. 

-Abandon of Navigation: automatically identifies and tracks the navigation flow of customers who access online stores.If the consumer abandons the purchase process even before adding the products to the shopping cart, the tool makes the determination of what was the item of interest and begins a marketing automation journey through which products are suggested by email, SMS, push in the browser and/or whatsapp. 

- Custom Trigger: it allows the sending of fully customized content to the customer, when the action makes sense, according to the communication strategy of the e-commerce. The information, fully personalized, is also forwarded to customers by whatsapp, SMS, email or push in the browser.

- PIX Recuperator: tool that operates in an automated way, through personalized triggers, and monitors orders whose selected form of payment is the PIX, in order to send customized reminders to the consumer, if he does not complete the purchase of that particular product or service, thus avoiding the loss of sales.

These technologies can add a lot to the sales performance of online stores, making life easier for e-commerce managers and marketing teams. Enviou's multichannel marketing automation platform offers all these integrated solutions, which simplifies the routine and monitoring of results, which can be checked through complete and detailed” reports, concludes Felipe Rodrigues, founder and CEO of Enviou.

Movements in delivery excite the market, says Abrasel

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Movements in delivery excite the market, says Abrasel

Abrasel sees with optimism the resumption of 99Food in the Brazilian delivery market, released this week. The return of the platform represents a relevant move for the out-of-home food sector, which has sought to expand competition and reduce the concentration in meal deliveries. 

The move comes at a time when other companies also show interest in the sector, as is the case of Meituan, a leader in deliveries in China. This new scenario is expected to press for a more balanced environment, with greater diversity of services and business models.

In recent years, delivery has consolidated as a strategic channel for bars and restaurants. According to Abrasel research, 71% of establishments make deliveries, and 78% of these use services per application, such as iFood.

In this context of broad market dominance by a company, the arrival or return of new agents can benefit both entrepreneurs and consumers, by expanding the available options, stimulating innovation and promoting better business conditions.

“The market needs more diversity and fairer conditions.It is essential to remove barriers that prevent full competition, creating a healthy business environment and beneficial to the entire” society, says Paulo Solmucci, executive president of Abrasel.

The entity reinforces its commitment to building a more competitive, transparent and sustainable delivery ecosystem that encourages entrepreneurship, innovation and continuous improvement of the services provided.

85% of SMEs seek credit to grow, not to pay debts, shows study by M3 Lending

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85% of SMEs seek credit to grow, not to pay debts, shows study by M3 Lending

With the forecast of offering R$ 50 million in credit in 2025, M3 Lending conducted a survey in its database to identify what is leading companies to resort to financing. The startup found that the absolute majority of reasons refer to the search for working capital.

Companies seek fintech to obtain resources to be applied in the purchase of a new stock (20%), opening of new units (25%), expansion of current facilities (15%) and expansion of operations (40%). “There are thus companies seeking credit for growth, for working capital, and not to pay off debts, for example”, underlines M3 CEO Gabriel Sousa Cesar.

Thus, fintech can offer better credit conditions 'OIS even compared to conventional banks.For the same case, the amount made available can be more than 50% higher than what a traditional financial institution would offer, calculates the CEO. M3 also has a special focus on small and medium-sized companies.

Due to the intense use of technology, fintech applies a differentiated methodology for the granting of credit, which enables the most advantageous conditions.The entire flow is digital, through application. “This allows operations without bureaucracy, therefore with lower costs, which means lower interest rates and zero bank spread”, Cesar points out.

For borrowing companies, the first step is to send the information about the application, which is analyzed by a credit committee M3. With the application and its approved conditions, the startup connects the company to investors interested in contributing funds in financing.

At the other end, investors also have agility. By applying M3, they evaluate the available opportunities and make their choice. When the chosen company has its credit approved, investors begin to be remunerated, based on the installments paid by the company itself.

A digital simulator, through the M3 website or application, allows companies to understand their credit possibilities. From investors, it does not require a large amount of resources: with only R$ 250 it is possible to start applications.

Currently, there are more than 2 thousand people connected to M3, both as borrowers and investors, informs the CEO.“It is a more inclusive financing model, connecting, on the one hand, those who need working capital, on the other, those who intend to invest, contributing to the growth of companies.”

M3 was founded in 2021 in Minas Gerais (Belo Horizonte). By 2029, it projects to reach the R$ mark 600 million transactions.

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