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

By on July 31, 2021

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

Through Mutual investors revenue as a bank having a return as high as 400per cent of CDI per year and also the loan has got the most useful prices.

Shared means innovation, technology and transparency for your needs

Innovation in individual loans

As a Fintech, Mutual brings a brand new means of linking people who require cash to people who seek to benefit being 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 evaluation, entirely online and without bureaucracy.


Your need is our need

All of us is definitely willing to direct you towards the way that is best possible. Our specialists allow you to reach your objectives in a secure and way that is transparent.

+ 600.000 users

Through Mutual it is possible to submit an application for loans without red tape or commit in a flexible means.

+ 9.000 loans

The majority are prepared to provide cash with fast approval.

+ 21 million reais invested

Your investment may have a return as high as 400per cent of CDI per year


Investors and borrowers referring to their experiences with shared

We spent on Mutual. The app is dependable and protected. They keep their term and spend well! (. )”

Pretty helpful. The amount of money visits the financial institution account prior to when expected. And so they nevertheless call to verify if the cash is actually in your bank account. We really enjoyed both the eye they provide plus the love using the consumer.”

not long ago i joined Mutual as an investor, and whenever i’ve concerns they answer me personally as quickly as possible. I’ve absolutely absolutely nothing negative to express. The concept is excellent (. )”

These are typically those who show an interest that is real satisfying your need”

exemplary value idea for borrowers and investors.”

Rogerio S.

i do want to thank Mutual. I made the mortgage application on 03/11/2018 and today We received the approval of my loan the total amount has already been in my own banking account. Congratulations in the job that is good transparency. We m planning to honor my dedication.”

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

There is absolutely no insurance coverage. In Mutual the investor is nearly just like a bank. You’ll, with an intention price all the way to 400per cent of CDI a have the opportunity to analyze the borrower’s credit information (the score and risk of the operation) and invest based on that information year.

In the event that debtor will not spend the mortgage, Mutual does the entire collection procedure to recover the main amount plus fines to be belated. We make use of a proprietary collection system for immediately notifying the debtor of this deadline, additionally the consequences to be late with their re 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 committed collection professionals attempting to recover any belated re re re payments. We also sign up the mortgage standard during the Brazilian nationwide credit agencies, steering clear of the debtor from using other loans.

In situations of delinquency higher than 3 months, Mutual includes a appropriate group prepared to enter because of the judicial collection on behalf of the investor.

we ve defaulted for a loan that is recent am I able to request one at Mutual?

After approving my registration as debtor, exactly just how quickly will the cash head to my banking account?

As soon as your enrollment is authorized, you can easily make an application for a loan inside the pre-approved limitation for your account, which is 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 approved, the amount of money will be in your bank account within 4 business days!

* After being published, the loan is active for 15 days on our platform. In the event the demand isn’t accepted by the investor during this period, the demand will expire through the platform and you may make a fresh demand 🙂

Is Mutual subject to your legislation?

Needless to say! we’re a banking correspondent and now we have an internet platform that facilitates the access of clients to products provided by partner institution that is financial. The experience of correspondent banking is regulated by the Central Bank of Brazil, in line with the Resolution No. 3,954, of February 24th, 2011.

It’s important to suggest that Fintechs must adhere to the legislation relevant to many other finance institutions, like the capital application and cash laundering avoidance guidelines.

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

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