With a forecast to offer R$ 50 million in credit in 2025, M3 Lending conducted a survey of its database to identify what is driving companies to seek financing. A startup found that the vast majority of the reasons relate to the search for working capital
Companies seek the fintech to obtain resources to be applied in the purchase of new inventory (20%), opening of new units (25%), expansion of current facilities (15%) and expansion of operations (40%). "Are", thus, companies seeking credit for growth,for working capital,and not to pay off debts, for example, highlights the CEO of M3, Gabriel Sousa César
In this way, the fintech can offer better credit conditions – inclusive compared to conventional banks. For the same case, the amount made available can be more than 50% higher than what a traditional financial institution would offer, calculate the CEO. The M3 also has a special focus on small and medium-sized enterprises
Due to the intense use of technology, the fintech applies a differentiated methodology for granting credit, what enables the most advantageous conditions. The entire process is digital, through an app. "This allows for operations without bureaucracy", therefore with lower costs, what does lower interest rates and zero bank spread mean, highlights Caesar
For companies taking out loans, the first step is to send the information about the order, that are analyzed by an M3 credit committee. With the request and its conditions approved, a startup connects the company to investors interested in providing funding. Captured the contributions, the credit is granted
On the other end, investors also have agility. Through the M3 app, they assess the available opportunities and make their choice. When the chosen company has its credit approved, investors are starting to be compensated, based on the installments paid by the company itself
A digital simulator, through the M3 website or app, allows companies to understand their credit possibilities. Of investors, a large amount of resources is not required: with just R$ 250 it is possible to start investments
Currently, there are already more than 2 thousand people connected to M3, both as borrowers and investors, inform the CEO. "It is a more inclusive financing model", connecting, on one side, who needs working capital, from another, who intends to invest, contributing to the growth of companies.”
M3 was founded in 2021, in Minas Gerais (Belo Horizonte). Until 2029, aims to reach the mark of R$ 600 million in transactions
