Evidently, in Brazil, there are several areas to invest in, even more so in terms of natural resources. However, due to the COVID-19 pandemic that generated a crisis in the country with high inflation, a significant portion of Brazilian society is negative.
According to the latest survey carried out by the National Confederation of Trade in Goods, Services and Tourism (CNC), it is estimated that 12 million brazilians are indebted, needing lines of credit to help them in this process.
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To solve this problem, Consorciei, a fintech specialized in the area of consortia, became the first to offer secured credit in consortia. Learn more about this modality below:
Credit secured by a consortium
It is important to emphasize that the loan tends to vary in accordance with the value of the quota stipulated in relation to the consortium member. In this way, Consorciei analyzes the value of this quota and, subsequently, verifies it to enable the delivery of a loan (credit) that helps the customer, making sense for both the user and the company.
It is also worth mentioning that fintech has partnerships to supply these demands with a consortium administrator and, in the not too distant future, should announce two more partnerships.
The founding partner of Consorciei, Alexandre Caliman Gomes, reports that the company was created in 2018 with the aim of revolutionizing the consortium market. “This is one more step towards offering an exclusive service that transforms the consortium quota into something of value for people”, he declared.
Consortium-guaranteed credit makes use of active or deactivated quotas as a precaution/guarantee in relation to the requested credit. In this way, all types of consortium can be used as collateral, however, to access this loan model, the individual cannot have used the letter of credit to obtain the service.
Among the benefits offered, there is liquidity during the process related to the consortium for the transformation of this into a real asset, in order to help people who need liquidity resources in extreme moments. However, Consorciei assumes that there are R$50 billion worth of consortium shares that could factually be handled for this lending model. Therefore, fintech provides this option to its customers in order to make their financial lives easier.
How it works?
Another relevant fact is that fintech allows the consortium member to sell their consortium accounts without the need to wait for the contemplation to receive this money. To receive the credit proposal, it is first necessary to fill out an online form on the Consorciei website, in which the startup algorithm will generate the best price for the consortium quota referring to the information validated in the site.
After this process, the user has access to the proposal and can sign the document online, directly on the platform. Without any bureaucracy, payment is made in a few days. Consorciei has already facilitated more than R$400 million in transactions through its platform for thousands of customers. It is also important to point out that the company has partnerships with several companies, such as Itaú, Santander, Porto Seguro, Magazine Luiza, Randon, Chevrolet and others, which together represent 30% of the consortia.
Geographer and pseudo writer (or otherwise), I'm 23 years old, from Rio Grande do Sul, lover of the seventh art and everything that involves communication.