Loan to Use or for Anyone Investing
We encourage opportunities for companies and investors, providing a better deal for everyone. Many new businesses need financial help to stay in business and run out of debt. Individuals also need this same financial help to realize dreams, remodel their homes or invest in studies. For these financial loans to occur, there are investors who contribute to this.
The lending model peer to peer lending connects the investor who has money to invest in your business that you need the loan. It’s simple: you need the money and connect with those who can invest and lend you without banks to do this, since they are full of bureaucracy and delays. Interest rates are unmatched, much smaller than those of banks. The internet platforms that offer this type of loan make people connect with investors quickly and easily.
It is no longer today that people are becoming increasingly dissatisfied with banks. The interest charged on each transaction is extremely abusive. This is why people who need credit are starting to opt for peer to peer loans. And it was not just the individuals who got benefits from this credit model. In this model, investors have seen a considerable increase in the return on their investments. While the savings rate is around 6.5% CBD and 13% in the peer to peer is between 15% and 30%.
Who can borrow Crediter?
For now, the only Crediter provides peer to peer loans to legal entities, ie, micro, medium and small businesses. Companies of this size still find it very difficult to obtain credit at a traditional financial institution. Therefore, this business model is the best alternative for such cases.
Is it safe and reliable to make a loan online?
The operations of this loan model are made in an entirely online environment. You may be a little apprehensive at first, but rest assured that all the data you provide for this transaction will be highly protected. Crediter has a technology protection system called Secure Sockets Layer (SSL) and also uses state-of-the-art encryption. These security measures are necessary to prevent information from being captured by hackers.
Who can apply for this loan in the Crediter?
- Companies that want to increase working capital;
- Companies that want to expand their businesses;
- Companies wishing to buy more materials and equipment for your business;
- Companies that need to pay some accumulated debt;
- Companies that no longer want to borrow from banks and traditional financial institutions.
Documents to request the loan
You need to have all the documentation in order when you apply for this type of loan. See the list below for some of the documents required by Crediter:
- RG of the partners;
- Proof of company address;
- Copy of the company’s social contract;
- Statute of the company (in some specific cases);
- Individual micro-entrepreneur certificate or entrepreneur’s application;
- Ratio of billing for the last 24 months;
- Bank statement of the last 3 months;
- IRPF of all members;
- Company presentation.
Who can make peer-to-peer investment?
Any individual can invest in the Crediter that lasts from 3 to 24 months. The investment amounts range from R $ 1,000.00 to R $ 10,000.00. With any other type of investment that exists, the investor of the peer to peer lending credit model is also at risk.
The risk of this credit model becomes somewhat minimized because of the qualified risk analysis that is performed before the transaction took place, however, it is important that the investor does not have any kind of warranty. In this business model is formed a kind of chain of trust between the investor and the companies.
Companies and investors evaluate themselves by forming profiles with differentiated levels of trust. It is these levels that determine the degree of risk and the interest rates that will be applied.