Individuals lending to people, easy that way. Shared means innovation, transparency and technology for your needs

Individuals lending to people, easy that way. Shared means innovation, transparency and technology for your needs

Through Mutual investors revenue as a bank by having a return as much as 400percent of CDI per year therefore the loan has got the most useful prices.

Shared means innovation, technology and transparency for your needs

Innovation in individual loans

As being a Fintech, Mutual brings a brand new method of linking those that require cash to those that seek to benefit as a bank.

Technology to your benefit

Our platform permits a lot more people to possess quick access to the credit market, by having a careful assessment, entirely online and without bureaucracy.

Your need is our need

We is often prepared to direct you towards the easiest way feasible. Our specialists assist you to reach your objectives in a secure and way that is transparent.

+ 600.000 users

Through shared it is possible to apply for loans without red tape or commit in a way that is flexible.

+ 9.000 loans

Lots of people are ready to provide cash with fast approval.

+ 21 million reais invested

Your investment may have a return all the way to 400percent of CDI per year


Investors and borrowers discussing their experiences with shared

We spent on Mutual. The application is secure and reliable. They keep their term and spend well! (. )”

Pretty helpful. The funds visits the financial institution account prior to when expected. And so they nevertheless call to ensure if the cash is actually in your bank account. We really enjoyed both the eye they offer plus the love aided by the client.”

recently i joined Mutual as an investor, and whenever i’ve concerns I am answered by them at the earliest opportunity. I’ve absolutely nothing negative to state. The theory is excellent (. )”

They have been those who reveal a genuine fascination with satisfying your need”

exemplary value idea for borrowers and investors.”

Rogerio S.

i wish to thank Mutual. We made the mortgage application on 03/11/2018 and today We received the approval of my loan the quantity is in my own banking account. Congratulations regarding the good task and transparency. We m planning to honor my dedication.”

what’s the investment guarantee? Can there be insurance coverage if the debtor will not pay?

There’s absolutely no insurance coverage. In Mutual the investor is practically like a bank. You are able to, with an intention price as much as 400per cent of CDI a 12 months, are able to evaluate the debtor’s credit information (the rating and chance of the procedure) and spend predicated on 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 proprietary collection system for immediately notifying the debtor of this deadline, while the effects to be belated with his payment through different means such as for example phone, whatsapp, SMS and e-mail. Alongside this system that is automated we now have a group of devoted collection professionals attempting to recover any belated re payments. We also sign up the mortgage standard in the Brazilian credit that is national, steering clear of the borrower from using other loans.

In situations of delinquency higher than ninety days, Mutual has a team that is legal to enter with all the judicial collection with respect to the investor.

we ve defaulted for a present loan, could I request one at Mutual?

After approving my enrollment as borrower, exactly how quickly will the amount of money head to my bank-account?

As soon as your enrollment is authorized, you are able to submit an application for that loan in the pre-approved limitation for your bank account, that will be accessible to subscribed investors inside our software. If you’re accepted by the investor, our financier will assess the loan as well as this moment it may be authorized or perhaps not. If authorized, the amount of money will maintain your account within 4 trading days!

* After being posted, the mortgage is active for 15 times on our platform. In case the demand isn’t accepted by the investor during this period, the demand will expire through the platform and you may make a brand new demand 🙂

Is Mutual subject to virtually any legislation?

Needless to say! We are a banking correspondent therefore we have actually an on-line platform that facilitates the access of customers to services and products made available from partner standard bank. The experience of correspondent banking is controlled by the Central Bank of Brazil, in accordance with the Resolution No. 3,954, of 24th, 2011 february.

It’s important to declare that Fintechs must conform to the rules relevant to many other institutions that are financial such as the money application and cash laundering avoidance regulations.

Would you nevertheless have actually concerns? Become familiar with our help web page:

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