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 for obtaining resources to be applied in the purchase of new stock (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, fintechs 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 borrowing companies, 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, of 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

The '2025 Brazil Content Creators Census' showed that the dream of living off the internet is still far from being a reality for most. Carried out by Wake Creators, the research revealed that only 9% of influencers have the profession 'creator' as their only source of income, highlighting that the monetization of digital content is still a challenge, no matter how much the influencer marketing market keeps growing

The survey detailed how much of the monthly income of the interviewed influencers is made up of their work on the internet. 26% responded that they have no monthly income and only carried out occasional campaigns. Almost one fifth (19%) have never even completed paid work. For 15% of respondents, the internet is responsible for between 5% and 20% of income. Already for 11% of creators, work as an influencer makes up 5% of income and for others 11% the money from the web represents between 21% and 50% of earnings. Only 17% have at least half of their income guaranteed by the internet — being only 9% the number of those who live exclusively from social media

International talent director at Viral Nation and specialist in the influencer marketing industry for over ten years, Fabio Gonçalves explains that the growth of the creators' sector does not mean that all of them are prepared or positioned to live exclusively from the internet: "Monetizing content requires strategy, constancy, professionalization and, mainly, structure. Many creators still do not have access to a team that helps them organize commercially, they themselves do not know how to turn engagement into revenue. Furthermore, the lack of commitment is a predominant factor in this equation, since in the end this person needs to prioritize their main source of income, that often it is not the internet

He says that reality is very different from the view that outsiders have of the internet: "There is a romanticized view that having followers is enough to live off the internet, but the reality is much more complex. The content creator needs to understand their niche, know how to negotiate, to price, analyze contracts, issue invoices, build authority and deliver real results for brands — it's not just about making a nice post. Professionalization is what transforms the influencer into a profitable personal brand. And that takes time, planning and, many times, a support network that goes beyond creativity. Therefore, creators who rely on agents or structured agencies tend to get ahead, because they can align strategy, "reputation and business opportunities more efficiently"

According to the professional, the trend is that more and more creators will be able to live exclusively from the internet, but this will depend directly on the level of professionalization of the market as a whole. In Fabio's opinion, the market is moving towards a scenario where brands are more selective, looking for creators who deliver real results, that know their audience and can build brand narratives with authenticity

"That's why I say that whoever is prepared" — with strategic positioning, structured data and accountability in delivery — will reap the fruits. The projection is for growth, but with a greater demand for professional maturity on the part of influencers, say

It is at this moment that the role of agencies comes in, in Gonçalves' view. For him, their mission is precisely to help these creators become businesses, without losing its authenticity: At Viral Nation, our work is to prepare these talents to go beyond the post: we help to develop personal branding, relationship with brands, opportunity management and even financial education. We believe that the future will be dominated by influencers who have structure and strategy — and it is exactly there that we operate to ensure that more creators can turn their passion into a stable and scalable source of income

METHODOLOGY

The research 'Brazil Content Creators Census 2025' was conducted by Wake Creators, one of the largest influencer platforms in Latin America. The study was conducted through a quantitative research, that included responses from more than 4.500 creators and 6 in-depth interviews, seeking to understand the reality of content creators. The survey can be accessed athttps://campaings.wake.tech/censo-de-criadores-wake-creators-2025?utm_source=experience&utm_medium=email&utm_campaign=CensoDivulgaAbril&utm_content=CTA1&utm_smid=11648211-1-1.

Brazilians are feeling the pinch from the increase in Easter egg prices, but even so they don't want to stop gifting special people. A survey conducted by Zoox Smart Data indicates that 44,96% of Brazilians intend to buy chocolates this year, while 29% chose not to go shopping and 26,06% remain undecided

For 58,21% of respondents who have not yet purchased the eggs or are in doubt, the main reason is the increase in the price of chocolates this year. The claim of 66,13% of Brazilians spend only R$ 100 on chocolates, while 20,94% want to spend up to R$ 200 and 12,93% up to more than R$ 300

This point, price and promotion, it ranked among the top reasons that influence the purchase of chocolate during this period, with 58,08%, followed by brand and quality 33,86%) and packaging and gifts (10,05%)

The high value caused the number of people receiving gifts to decrease this year. Згідно з дослідженням, 63,31% intend to give chocolates to up to two people, already 21,62% of the public are expected to give gifts up to four and 15,07% more than five people

Although many Brazilians choose other forms of chocolate, like boxes of chocolates and bars, Easter eggs continue to be the leaders in public preference, being the main purchase option of 64,93% of respondents, following chocolate bars (20,32%) and box of chocolates (14.75%)

Even with the form of e-commerce, the supermarket remains the main place to buy chocolates, being the option of 51,82% of Brazilians, while 33,17% choose specialized stores and chocolate shops, artisan sellers,70%) and internet (6,31%)

The survey was conducted from April 12 to 15 and had 3.596 respondents

With the approach of Easter, Brazilians are already starting to organize their purchases for the date and consumer expectations remain high. According to a survey conducted by theMission Brazil, largest rewards services platform in the country, 87% of people intend to make purchases for Easter. Chocolate eggs remain the most desired items, with 63% of purchase intentions. However, other alternatives are gaining ground: 20% of consumers will prioritize bars and tablets, while 12,5% should choose boxes of chocolates. Already 3% of respondents stated they prefer other sweets and desserts, while almost 1% plan to give toys as gifts. The survey included 564 participants from all states of the country and the Federal District. 

For this year, however, Brazilians will also need to prepare their wallets after the increase in cocoa prices, essential raw material for chocolate production. Still according to the study, 96% of consumers noticed an increase in the prices of Easter eggs compared to last year

The price should also be a determining factor in the choice of products, once 68% firmly state that they would change their gift choice due to the item's cost. So much so that, among those who do not aim to make purchases, the financial issue appears as the main factor, with 60% of the justifications. Other mentioned motivations are the lack of interest in the date, with 25%, and the non-celebration of the festivity, with 14%. For the study, the audience heard receives, predominantly, from 1 to 3 minimum wages, with 46% of the answers, and 1 salary, with 36%. The range for those earning between 3 and 5 salaries was 12%, while those above 5 salaries are 6%. 

The consumer is increasingly aware of the cost-benefit of products and has been seeking viable alternatives to maintain the tradition of the date, even in the face of rising prices. The growth in the intention to buy bars and chocolates reveals this market adaptation and points to interesting paths for brands that know how to listen to the public, analysis Thales Zanussi, CEO and founder of Mission Brazil

Regarding pocket planning, 33% of consumers aim to spend between R$ 101 and R$ 200, while 32% plan to spend between £51 and £100, 15% between R$ 201 and R$ 300 and 13% project an expense of up to R$ 50. When it comes to justifying the decisive points at the time of purchase, the quality of the product, with 30% of the choices, the price, with 26%, and promotions and discounts, with 15%, they were the most cited. 

Influence for purchase

The Mission research also assessed the preferences and desires of consumers at the time of product acquisition. According to the survey, when it comes to the way of buying, the physical stores were ahead, with more than 79% of the answers, surprising figure considering the advancement of e-commerce in recent years

For Thales Zanussi, CEO and founder of Mission Brazil, this choice is linked to the need to ensure the integrity of the chocolate, what is sensitive to transport. In-person shopping offers more security regarding product quality, especially on symbolic dates like Easter, explain

The research also identified what the attractive factors for purchases are. With 83% of the preference, the discount is still the most prestigious strategy. Already 17% of people prefer cashback. 

Regarding product preference, 60% of people should choose big brands, while 40% will consume handmade items. At the time of payment, the priority will be for payment in full for 74% of respondents, while 26% plan to pay for purchases in installments. 

Furthermore, the study also sought to understand the role of social networks in the scenario, with about 59% of respondents indicating that these media influence their purchase. For them, influencers especially from TikTok and Instagram are decisive when it comes to selecting the Easter gift. The interference by networks reinforces the role of digital content as a decision-making driver, especially on seasonal dates, when inspiration and recommendation carry great weight, analyzes the CEO of Mission Brazil. "Brands that know how to stand out in these media will certainly get ahead in such a competitive market", закінчує