Direct connection with those who want to invest in your business
Understand how the P2P model is democratizing access to capital for medium and large companies.
Peer to Peer Lending, or Collective Lending, is a financial modality born from technology and the need to debureaucratize the credit market. Traditionally, to get a loan, your company needs to go to a bank, which "buys" money from savers at low interest and "sells" it to you at very high interest (banking spread). In P2P, we eliminate the heavy banking intermediary.
At Maximo Conceito Advisory, we act by connecting your company to a vast network of qualified investors, family offices, and international funds seeking profitability by financing the real economy. By connecting the end that has the money (investor) directly with the end that needs it (your company), we achieve a "win-win" scenario: you pay lower rates than the bank, and the investor receives more than in traditional fixed income.
This modality is ideal for companies that already have some robustness and history but feel limited by the "rigid" and slow credit policies of large banks. P2P is synonymous with agility, modernity, and efficiency in capital allocation.
While a bank can take months "sitting" on your process, the P2P model is digital and agile. Credit analysis is done with cutting-edge technology, allowing approvals and releases in record time so you don't miss the business timing.
Without the heavy structure and gigantic operating costs of a physical bank branch, the operation spread drops drastically. This means a much more attractive Total Effective Cost (CET) for your cash flow.
We have access to networks of foreign investors who see great potential in the Brazilian market. This diversifies your funding sources, making your company less dependent on the mood of local banks.
Forget piles of paper, authenticated copies, and trips to the notary. Most of the hiring process in P2P is digital, transparent, and auditable.
Although we use a lot of technology, the final decision is not from a robot that just looks if you have restrictions. Investors analyze the project, the contract, and the business viability. If the project is good, the credit comes out.
By taking credit via P2P, you do not compromise your revolving credit limits at traditional banks, keeping these lines "virgin" for very short-term emergency needs.
The direct investment market seeks companies that demonstrate execution and growth capacity. It is the perfect solution if your company:
The ideal profile is the medium-sized company ("middle market") that is too big to be served by the branch manager, but does not yet access the capital market via the stock exchange.
The destination of the resource is free, but we see great success in:
Financing for opening new units or renovating existing stores to adapt to new brand standards, with payment diluted in the new stores' revenue.
Investment in software (ERP, CRM), process automation, or development of new products that do not have "physical guarantees" to give to traditional banks.
Capital to close exchange and nationalize goods, allowing the company to have stock to sell while the merchandise is still at the port or in transit.
Intensive capital for customer acquisition campaigns (CAC). In P2P, we understand that investing in marketing is investing in future revenue, and we finance this growth.
Totally. The P2P Lending modality is regulated by the Central Bank of Brazil (CMN Resolution No. 4.656/2018). The platforms we operate are authorized and follow rigorous cybersecurity and compliance standards.
It depends on the line. BNDES has unbeatable subsidized rates for very specific purposes (new machines, etc.), but it is bureaucratic and slow. P2P gains in agility and debureaucratization, with rates often close to "prime" market rates.
Not always. A large part of P2P operations are "Clean" (no real guarantee) or use receivables guarantees (duplicates, contracts). Real guarantee (property) is only required for very long terms or very high amounts.
They are high-income individuals, investment funds, investment clubs, and even treasuries of large companies looking to diversify their investments. You don't need to deal with them; we do all the intermediation.
After sending complete documentation, credit analysis usually takes 2 to 5 business days. With approval, raising funds on the platform can happen in a matter of hours.
Your company deserves to be treated with 21st-century agility. Discover the power of Peer to Peer Lending.
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