Through Mutual investors profit as a bank by having a return as much as 400per cent of CDI per year as well as the loan has got the best prices.
Shared means innovation, transparency and technology for you personally
Innovation in individual loans
As being a Fintech, Mutual brings a way that is new of those that require cash to people who seek to benefit as a bank.
Technology to your benefit
Our platform permits more and more people to possess comfortable access to the credit market, by having a careful assessment, entirely on the internet and without bureaucracy.
Your need is our need
We is definitely prepared to direct you towards the way that is best feasible. Our experts allow you to reach finally your objectives in a safe and way that is transparent.
+ 600.000 users
Through shared you are able to submit an application for loans without red tape or commit in a way that is flexible.
+ 9.000 loans
The majority are ready to provide cash with fast approval.
+ 21 million reais invested
Your investment may have a return as much as 400per cent of CDI per year
Remarks
Investors and borrowers referring to their experiences with shared
We spent on Mutual. The software is secure and reliable. They keep their term and spend perfectly! (. )”
Pretty helpful. The funds would go to the financial institution account prior to when expected. In addition they nevertheless call to ensure in the event that cash is really in your account. We really enjoyed both the interest they offer as well as the love with all the client.”
not long ago i joined Mutual as an investor, and whenever We have concerns I am answered by them as quickly as possible. I’ve absolutely absolutely nothing negative to state. The theory is excellent (. )”
They have been those who reveal a genuine curiosity about satisfying your need”
exceptional value idea for borrowers and investors.”
Rogerio S.
I would like to thank Mutual. We 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 in the job that is good transparency. We m planning to honor my commitment.”
what’s the investment guarantee? Will there be insurance coverage if the debtor doesn’t spend?
There’s absolutely no insurance coverage. In Mutual the investor is nearly just like a bank. You are able to, with an intention price as high as 400percent of CDI a 12 months, are able to evaluate the borrower’s credit information (the score and threat of the procedure) and spend considering that information.
In the event that debtor will not spend the mortgage, Mutual does the collection that is entire to recover the main amount plus fines to be belated. We make use of collection that is proprietary for immediately notifying the debtor regarding the deadline, therefore the effects if you are 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 devoted collection professionals attempting to recover any belated re re payments. We also enroll the mortgage standard in the Brazilian nationwide credit agencies, avoiding the debtor from using other loans.
In instances of delinquency more than ninety days, Mutual includes a appropriate group prepared to enter utilizing the judicial collection with respect to the investor.
we ve defaulted for a loan that is recent could I request one at Mutual?
After approving my enrollment as debtor, exactly exactly how quickly will the cash visit my bank-account?
As soon as your enrollment is authorized, it is possible to submit an application for that loan inside the pre-approved limitation for your bank account, that will be open to subscribed investors inside 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 amount of money will maintain your account within 4 business days!
* After being posted, the mortgage is active for 15 days on our platform. In case your demand just isn’t accepted by the investor during this time period, the demand will expire through the platform and you 
may make a fresh demand 🙂
Is Mutual subject to virtually any legislation?
Needless to say! We have been a banking correspondent and then we have actually an on-line platform that facilitates the access of clients to services and products provided by partner institution that is financial. The game of correspondent banking is regulated because of the Central Bank of Brazil, in line with the Resolution No. 3,954, of February 24th, 2011.
It is vital to suggest that Fintechs must conform to the rules relevant to many other banking institutions, such as the money application and cash laundering avoidance laws and regulations.
Would you nevertheless have concerns? Get acquainted with our help web page: