For your company !?Equity Crowdfunding or “Equity P2p loan”? There is no doubt that the 21st century has proven the era of collaborative work and business growth founded on cooperation. With the recession that hit the planet since 2008, this has become increasingly essential in the economy.
An example of this are P2P lending loans. From the English Peer-to-peer, it means that you will be receiving resources from individuals or legal entities, not from banks. Nothing to deal with that bureaucracy and the often abusive interest rates of these places.
For those who need to up-date the company’s finances or just want to give a raise in their business, the Equity loan is a great trend to get money without the need to undergo the bureaucracies and formal requirements of banks and private financial credit trade financial. Find out if this credit platform alternative is what you need.
What are Equity P2p Loans?
” Equity Crowdfunding or” Equity P2p loan “is an alternative tool to enable micro-enterprises, start-ups, consolidated companies or even MEIs to fund their growth through collecting venture capital collectively. Through web platforms specially authorized in the (Crowdfunding), anyone has the opportunity to invest, from a few tens or hundreds of reais, in companies that, over a defined period of time, offer shares of their capital in exchange for funds. “
If the equity crowdfunding campaign reaches the goal of collection (target) within the defined time frame, who invested becomes effective partner of the company.
The lending (peer-to-peer) loan is a new way of getting loans without a bank, that is, without necessarily having to go through banks. In Brazil, this type of credit is known as a collective loan. Peer-to-peer lending , is so the credit mode is called abroad. It is already widely used in other countries and is increasingly gaining the trust of citizens, companies of all sizes, entrepreneurs and Brazilian entrepreneurs.
In P2p you use a digital platform to achieve the project you want with collaborative help. P2P Lending platforms are websites or online applications that connect companies or in many cases, individuals who are seeking alternative credit with investors.
How to get Equity Loans for your company?
To get a loan with Equity P2p for your company, it is very simple. Access platforms for this purpose and register and move on. Equity is generally easier to obtain than most conventional forms of financing or credit for companies and staff offered by banks and financial institutions. As said: First, you must sign up for the platform, then fill out with the requested information to begin the beginning of the approval and collection process.
Crowdfunding’s online platforms will review your request and verify the reported data. It can approve or reject the request, or ask for adjustments to be made to the project. If you have your credit application approved, it will be published on the platform and will be available to anyone who wishes to invest for a set amount of time or until the value of the published proposal is reached.
When the requested amount is collected, it is transferred to the account informed by the applicant duly discounted all fees and stipulated fees of agreed with the platform.
Is Equity P2P loan for everyone? How it works?
You can make this request by the CPF or even by your CNPJ, different from how it was at the beginning of this loan system when it was only geared towards individuals. Many companies are now benefiting from this type of collaboration.
Today the different platforms offer several types of benefits, such as student credit and even secured loan (real estate credit). You should evaluate your situation, but generally it works very well for businesses of any size, especially for small and micro businesses.
Conditions for applying for a loan
If you do not or your company does not have the time to expect to raise all the funds needed in Crowdfunding (P2P Equity Loan) the solution may be to apply for a loan in the normal ways, but this is not a decision you make from time to time.
You should research, compare and check your conditions before you can keep a contract for a loan or loan in the medium or long term. At the time of making the loan request pay attention to the interest rates and all terms that involve the transaction.
Search, compare to apply for your loan
In any type of loan, discipline and responsibility is the key. Learn how Equity loans work in collaborative fashion or whether it is worth negotiating with banks. However, in any form, it is necessary to search and compare.
Some tips on borrowing:
Know how much you have working capital and how much you want to invest.
Evaluate the best due date if the value of the benefits fit your budget.
Make sure you can pay for everything on time and avoid interest rates.
Remember, a loan can save your financial life, however if you do not make this choice correctly this help can end up complicating your end of the month a little bit.
The “collective Equity loan” made with the “loan between people” can help you get your company on the shafts by getting cheap money for investments. Do not be afraid of collaborative platforms – they are reliable and secure.
Who knows, this is not the solution your company was looking for! Your business growing because of collaborative help. Is this the new trend for borrowing and lending?