The money that is already yours, in your account now
The smartest solution to improve cash flow without getting into debt.
In Brazil, it is common to sell in installments. Whether in 30, 60, and 90 days on the boleto or in 12x on the credit card. The problem is that while you wait for the money to come in, your rent, electricity, water, and payroll bills are due every month. This cash gap breaks many healthy companies. Receivables Prepayment is the solution for this waiting period.
By prepaying, you are not taking a loan; you are just advancing the receipt of money that is already rightfully yours, the result of a sale made. Maximo Conceito, through its partners (FIDCs, Securitizadoras, and Commercial Development), buys these credit rights from your company, pays you cash (with a small rate discount) and waits for the due date to receive from your client.
It is a fast, simple, and cheap way to make cash. Unlike the bank that charges interest on the outstanding balance month by month, with prepayment you pay only a one-time discount rate (ad valorem) and solve your liquidity problem, without creating a long-term debt on your balance sheet.
Prepayment of Product or Service Invoices issued against your customers (Drawees). Operations with or without co-obligation.
We centralize and prepay your future card receivables schedule. Rates often lower than those automatically offered by the card machines (acquirers).
Have a continuous supply contract with a large company? We can prepay the future values of this performed contract.
Registration is fast and, once approved, the operation of sending the bordereau and releasing the money happens on the same day (D+0).
Prepayment does not appear in bank liabilities (SCR - SISBACEN) as debt in the same way as a loan, preserving your liquidity index.
Outsource the headache of collection. Our partners take care of issuing slips and collecting from your customers, professionalizing your accounts receivable.
Prepayment is the daily tool for:
Use prepayment to sell more.
With cash in hand, you buy raw materials cash with a discount. This discount on purchase often pays for the cost of prepayment and there is still profit left.
Be aggressive in sales. Offer longer terms for your customers to buy from you, knowing you can prepay these amounts tomorrow.
Always keep money in cash for emergencies. Do not operate in the "red". Prepayment gives you the peace of mind to sleep with a positive balance.
Leave financial management to us and focus on what you do best: selling and producing. Prepayment simplifies your accounts receivable administration.
Discover the estimated net amount you receive today by prepaying your receivables.
No. You choose which titles you want to prepay. You can prepay only a specific slip to cover a punctual bill or the entire schedule. You have total control.
In most operations (with co-obligation), if your client (drawee) does not pay the title on the due date, the responsibility returns to your company, which must repurchase the title or replace it with another.
Yes, because the slip will become nominal to the Investment Fund (FIDC) or Securitizadora. This is, in fact, a sign of robustness and professionalism of your company to the market.
The rate varies according to the quality of the drawee (who will pay) and the assignor (your company). We operate with very competitive rates, often below 2% p.m.
There is no rigid rule, but operationally we look for companies that have a recurring monthly prepayment volume above R$ 50,000 to justify account opening and management.
Register your company and start operating today.
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