Fintech means in portuguese financial technology

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Its main service is to offer business loans in an agile and innovative way, entirely on digital platforms. To find out if your company can guarantee the loan, fintech platforms use technology that evaluates your profile and calculates the level of risk of non-payment of bills. This process is considered much faster than that of large traditional banks. 3 – credit unions this option for taking out a business loan is extremely valid for small entrepreneurs. This is because credit unions can offer very easy forms of payment, since their tax regimes are exempt from pis, cofins and csll. To obtain the release of cooperatives' credit policies, it is necessary to become a member, taking full part in the decisions at the assembly.

Bndes if you are a small entrepreneur and looking for long-term financing, the national bank for economic and social development may be a good option for you. This is because, in addition to promoting the national economy, it allows you to have access to many financial institutions accredited with this line of credit. To find out if your business Bank User Number Data budget really fits with bndes, the bank provides an online simulator so that the conditions can be analyzed. 5 – angel investors angel investors receive this name precisely because they represent individuals who invest in new brands that have great growth potential. Thus, the investor, which may be a small group of individuals, gains a minority contribution to the venture, which varies between 5% and 10%. A great example of an angel investor is anjos do brasil, which is a non-profit organization that aims to encourage these.



Investments to provide networking between investors and entrepreneurs. 6 – p2p p2p means peer to peer ( from point to point , in free translation into portuguese). This is the type of investment aimed at investors who lend money to entrepreneurs directly, without the need for intervention from financial institutions. Thus, the investor normally receives a higher remuneration than if he had chosen a bank, for example. Furthermore, this option offers greater ease and less bureaucracy for both sides, as the entire process is done online. 7 – leasing leasing is ideal for industries that need credit to purchase equipment at good interest rates. In this contract, one party transfers fixed assets in order to define the fixed monthly amount that must be paid by the other party. Thus, this type of credit line allows the entire cost to be borne by the equipment owner.