Post by muntahaislam222 on Feb 27, 2024 23:54:24 GMT -5
Known as crowdfunding, collective lending is an excellent option for making a wide range of projects possible, both for individuals and companies, through the collection of voluntary investments, which can be carried out by anyone willing to contribute. The age of information and hyperconnectivity has brought with it profound changes in society, which can now be felt in many areas of our daily lives. Among them, the concepts of collaborative economy and collective lending emerged as new ways for companies to expand their operations, counting on the incentive to enable the creation of innovative products and services, whether from investors or even their own customers. But, do you know what crowdfunding really is and what are the advantages of this system? It is exactly to answer these questions that we wrote today's post! Continue reading and find out all the relevant information about collective lending and how it can help your company! What is collective lending? It is a way currently used by many companies — especially startups and small companies — to achieve specific actions.
By publicizing the project on platforms aimed at this objective, people come together as investors in the initiative to lend the amount necessary to implement the proposed project, in exchange for interest rates that are often lower than those charged by traditional financial institutions. Anyone who accesses the page can become an investor, if the project is of interest to them and has a proposal that they identify with. In other words, it is a super democratic system, capable of Europe Mobile Number List enabling actions that would hardly be covered by normal bank loans, for example. Around the world, hundreds of companies have already used this type of loan to facilitate ideas, expansions and launches of products or services. Coffee shops, publishers, perfumery companies, restaurants, food trucks, among many others, have already benefited from crowdfunding. How can I get a crowd loan? Nowadays, there are already excellent platforms aimed at collective financing in Brazil. By accessing these pages, you can register and request that your project be evaluated for publication.
This preliminary analysis takes into account factors such as the creativity of the initiative, the quality of the rewards offered to investors and the collective benefits of the action. If approved, your project will then be published on the platform, as well as the total amount needed to make it viable and the deadline for its execution (these last two items are determined by you). In the event that the total amount stipulated is not reached within the expected period, the project is closed and the amount collected is returned to the investors. On the other hand, if your project manages to raise awareness of a good number of people and the amount necessary to put it into action is reached, the crowdfunding platform will keep a percentage that varies between 7% and 7.5% of the total raised. Financial control system What are the advantages for my company? As you can already imagine, using a collective lending platform to make your business ideas and projects viable has many advantages. Check out the main ones below: 1. Interest and fees charged are significantly lower As there is no bank or any financial institution intermediating the money lent by investors, the interest and fees charged in this type of financing are significantly lower.