Through Mutual investors revenue as a bank by having a return all the way to 400percent of CDI per year and also the loan gets the most readily useful prices.
Shared means innovation, transparency and technology for you personally
Innovation in individual loans
Being a Fintech, Mutual brings a brand new means of connecting people who require cash to people who seek to benefit as being a bank.
Technology on your side
Our platform permits more individuals to possess access that is easy the credit market, with a careful assessment, entirely on the internet and without bureaucracy.
Your need is our need
We is often willing to direct you towards the way that is best feasible. Our specialists allow you to reach your objectives in a safe and way that is transparent.
+ 600.000 users
Through shared you can easily submit an application for loans without red tape or commit in a way that is flexible.
+ 9.000 loans
Most are happy to provide cash with fast approval.
+ 21 million reais invested
Your investment may have a return all the way to 400per cent of CDI per year
Remarks
Investors and borrowers dealing with their experiences with shared
We spent on Mutual. The application is dependable and protected. They keep their term and spend perfectly! (. )”
Pretty helpful. The cash would go to the financial institution account prior to when expected. Plus they nevertheless call to ensure in the event that cash is actually in your account. We really enjoyed both the eye they provide plus the love because of the client.”
recently i joined Mutual as an investor, and whenever We have concerns I am answered by them as quickly as possible. We have absolutely absolutely absolutely nothing negative to state. The theory is great (. )”
These are typically individuals who reveal an interest that is real fulfilling your need”
exceptional value proposition for borrowers and investors.”
Rogerio S.
I would like to thank Mutual. I made the mortgage application on 03/11/2018 and i received the approval of my loan the amount is already in my bank account today. Congratulations from the good job and transparency. We m planning to honor my commitment.”
what’s the investment guarantee? Will there be insurance if the debtor does 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 400per cent of CDI a 12 months, are able to evaluate the debtor’s credit information (the score and threat of the procedure) and invest predicated on that information.
If the borrower doesn’t spend the mortgage, Mutual does the whole collection procedure to recover the main amount plus fines to be belated. We make use of a proprietary collection system for automatically notifying the debtor of this deadline, together with effects to be belated with their re re payment through different means such as for example phone, whatsapp, SMS and e-mail. Alongside this system that is automated we’ve a group of committed collection professionals attempting to recover any belated payments. We also sign up the mortgage standard in the Brazilian nationwide credit agencies, avoiding the debtor from using other loans.
In instances of delinquency higher than ninety days, Mutual has a team that is legal to enter because of the judicial collection with respect to the investor.
we ve defaulted for a present loan, can I request one at Mutual?
After approving my enrollment as debtor, exactly exactly exactly how quickly will the income head to my banking account?
As soon as your enrollment is authorized, it is possible to submit an application for that loan inside the pre-approved restriction for your bank account, that will be accessible to subscribed investors inside our software. If you should be accepted by the investor, our financier will assess the loan as well as this minute it may be authorized or perhaps not. If authorized, the funds 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 your legislation?
Needless to say! Our company is a banking correspondent and we also have actually an online platform that facilitates the access of customers to products provided by partner institution that is financial. The game of correspondent banking is managed because of the Central Bank of Brazil, according to the Resolution No. 3,954, of February 24th, 2011.
It is critical to declare that Fintechs must conform to the guidelines relevant to many other institutions that are financial such as the money application and cash laundering avoidance guidelines.
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