Individuals lending to people, easy like this. Shared means innovation, transparency and technology for your needs

Individuals lending to people, easy like this. Shared means innovation, transparency and technology for your needs

Through Mutual investors revenue as a bank by having a return as high as 400per cent of CDI per year in addition to loan gets the most readily useful prices.

Shared means innovation, transparency and technology for your needs

Innovation in individual loans

As being a Fintech, Mutual brings a brand new method of linking those that require cash to those that seek to benefit being a bank.

Technology to your benefit

Our platform permits a lot more people to own comfortable access to the credit market, with a careful assessment, entirely online and without bureaucracy.

Your need is our need

Our team is often prepared to help you in the way that is best feasible. Our experts allow you to reach finally your objectives in a secure and way that is transparent.

+ 600.000 users

Through shared it is possible to submit an application for loans without red tape or commit in a versatile means.

+ 9.000 loans

Lots of people are happy to provide cash with fast approval.

+ 21 million reais invested

Your investment might have a return as high as 400per cent of CDI per year


Investors and borrowers discussing their experiences with shared

We spent on Mutual. The application is dependable and protected. They keep their term and spend perfectly! (. )”

Pretty helpful. The funds would go to the financial institution account prior to when expected. And they nevertheless call to ensure in the event that cash is actually in your account. We really enjoyed both the eye they offer therefore the love using the client.”

not long ago i joined Mutual being an investor, and whenever We have concerns they answer me as quickly as possible. I’ve absolutely absolutely absolutely nothing negative to express. The theory is great (. )”

These are generally individuals who reveal a genuine curiosity about satisfying your need”

exemplary value idea for borrowers and investors.”

Rogerio S.

I would like to thank Mutual. We made the mortgage application on 03/11/2018 visit homepage and today We received the approval of my loan the total amount is already within my banking account. Congratulations in the good work and transparency. I m planning to honor my dedication.”

what’s the investment guarantee? Will there be insurance coverage if the debtor will not spend?

There is absolutely no insurance coverage. In Mutual the investor is practically just like a bank. You can easily, with an intention price all the way to 400percent of CDI a have the opportunity to analyze the borrower’s credit information (the score and risk of the operation) and invest based on that information year.

In the event that debtor will not spend the mortgage, Mutual does the whole collection process to recover the main amount plus fines to be belated. We work with a collection that is proprietary for immediately notifying the borrower for the due date, therefore the effects to be belated with their re payment through different means such as for instance phone, whatsapp, SMS and e-mail. Alongside this automatic system, we now have a group of committed collection professionals attempting to recover any belated re re re payments. We also sign up the mortgage standard in the Brazilian credit that is national, steering clear of the borrower from using other loans.

In instances of delinquency more than 3 months, Mutual has a appropriate group prepared to enter utilizing the judicial collection with respect to the investor.

I ve defaulted for a present loan, could I request one at Mutual?

After approving my enrollment as debtor, just how soon will the amount of money head to my banking account?

As soon as your enrollment is authorized, it is possible to submit an application for a loan in the limit that is pre-approved your account, that will be accessible to subscribed investors within our software. It can be approved or not if you are accepted by an investor, our financier will evaluate the loan and at this moment. If authorized, the income shall take your bank account within 4 business days!

* After being posted, the mortgage is active for 15 times on our platform. The request will expire from the platform and you can make a new request 🙂 if your request is not accepted by an investor during this time

Is Mutual subject to virtually any legislation?

Needless to say! Our company is a banking correspondent and we also have actually an internet platform that facilitates the access of clients to products provided by partner institution that is financial. The experience of correspondent banking is managed because of the Central Bank of Brazil, based on the Resolution No. 3,954, of 24th, 2011 february.

It is critical to declare that Fintechs must conform to the rules relevant with other banking institutions, like the money application and money laundering avoidance regulations.

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