Working Capital

The Vital Energy of your Company

Understand how our Working Capital solutions can stabilize and accelerate your business.

Working Capital is the financial resource responsible for maintaining a company's daily activities. It is the money needed to pay suppliers, salaries, taxes, and operating costs while sales receipts have not yet entered the cash flow. In a volatile market like Brazil's, having robust working capital is not just a competitive advantage, it's a matter of survival.

At Maximo Conceito Advisory, we offer Working Capital lines that go far beyond the traditional bank "overdraft" with stratospheric interest rates. We understand that cash flow mismatch is natural in growing companies. If you sell on credit and need to pay your suppliers in cash, you need working capital. If you are stocking up for a seasonal date (Christmas, Black Friday), you need capital. If you are renovating to expand, you need capital.

Our approach is divided into two main modalities to meet different company profiles: Clean Working Capital (no real guarantee) and Working Capital With Guarantee. Each designed to deliver the perfect balance between cost, term, and agility.

Our Modalities

Clean Working Capital

The most agile option for solid companies. In this modality, the operation is based on credit analysis and the company's financial history, without the need to alienate movable or immovable assets.

No Real Guarantee: No need to alienate properties or vehicles.
Agility: Fast release, often in a few days.
Term: Up to 36 installments to pay.
Requirements: Companies without significant restrictions and good credit score.
Ideal for: Immediate cash needs, 13th salary payment, one-off taxes, or quick stock purchase opportunities.

Working Capital With Guarantee

For those seeking lower rates and longer terms. By offering a guarantee (property, vehicle, financial investment), the operation risk drops drastically, and we pass this benefit on to you.

Reduced Rates: Significantly lower interest than the Clean modality.
Extended Term: Up to 60 months (5 years) or more, depending on the guarantee.
Grace Period: Possibility of months to start paying.
Flexibility: Accepts companies with some registration restrictions, depending on the quality of the guarantee.
Ideal for: Liability restructuring, large renovations, medium-term expansion projects.

Why hire with Maximo Conceito?

360º Analysis

We don't just look at your score. We analyze your moment, your articles of incorporation, and your revenue projections to defend your credit.

Multiple Partners

We have access to various investment funds, medium-sized banks, and fintechs. We seek the best rate for you in the entire market, not just in one institution.

Speed

We know that those who need working capital are in a hurry. Our processes are optimized to release funds in the shortest possible time.

Secrecy and Ethics

We treat all your company's information with absolute secrecy. Our analysis is discreet and focused on results without exposing your business.

Take the next step

Schedule a no-obligation conversation with our specialists. We will analyze your company's profile and present the cheapest and most agile options on the market for your cash needs.

Talk to Specialists

Practical Applications

See where you can apply the resource:

Stock Purchase: Take advantage of cash discounts negotiating with suppliers using working capital, increasing your profit margin.
Physical Expansion: Renovation costs, furniture, and adaptation of new commercial point.
Seasonal Cash Flow: Cover the financial "gap" in low sales months to keep the operation running smoothly until high season.
Payroll: Ensure payment of salaries and charges on time, avoiding labor liabilities and maintaining team motivation.
Marketing and Sales: Invest in advertising campaigns to attract new customers, knowing that the return will cover the investment.

Frequently Asked Questions (FAQ)

1. Is Working Capital only for struggling companies?

Myth! The largest companies in the world take working capital to leverage growth. Using third-party money (bank) is often cheaper than using the partner's own capital, besides preserving cash for emergencies.

2. What is the Working Capital interest rate?

Rates vary according to the risk analysis (rating) of the company and the modality (Clean or With Guarantee). Operations with guarantees can have rates starting from 1.10% p.m., while Clean operations tend to be slightly higher due to risk.

3. Can I pay off the loan before the deadline?

Yes! Under Brazilian law, you have the right to amortize or pay off your debt in advance at any time, with proportional discount of future interest. This is great for when an unexpected receivable comes in.

4. What is needed for approval?

For the Clean modality, the focus is on fiscal revenue (invoices) and current indebtedness. For the modality with Guarantee, the liquidity and value of the offered asset also weigh heavily on approval, often more than the revenue itself.

5. Do you serve MEI or Individuals?

Our Working Capital lines are focused on medium and large companies (Eireli, LTDA, SA) with consolidated annual revenue. For MEI and Individuals, we suggest other specific lines like Home Equity (if there is property).