Does your company have surplus cash and apply these resources in fixed income products? If so, it’s time to rethink your strategy. You may be missing out on a much higher profitability.
When you invest in fixed income assets, such as CDBs or bank funds, what you are doing is, in practice, lending resources to borrowers, with the financial institution intermediating the transaction. However, this profitability is often well below what financial institutions charge to lend these same resources, often above 3% per month.
Have you ever thought about capturing this spread that banks get? With a FIDC (Credit Rights Investment Fund), it’s possible.
What is a FIDC?
A FIDC is an investment fund that acquires business credit rights, such as duplicates, checks or receivables, and uses these assets as a ballast to raise funds from investors. These funds enable companies to turn their accounts receivable into immediate cash, offering a win-win solution for both borrowers and investors.
By investing in a FIDC, your company can become not only a borrower but also a credit provider, facilitating financing for its employees through loan-based loans, end customers or even suppliers, while generating superior profitability by investing resources in traditional fixed income investments.
How can FIDC benefit your company?
Maximization of profitability:
Instead of leaving your cashier idle on fixed income products with profitability below 1% per month, with a FIDC, your company can access a much more attractive profitability by taking all that spread that was left as the bank’s profit, by offering committed credit to its employees, financing for its customers and anticipating receivables from suppliers directly by FIDC.
Fundraising: The Foundation
If your company needs more resources to expand, FIDC can be an excellent alternative for raising capital. Investors are interested in these funds because of the attractive profitability, and your company can raise funds more quickly and efficiently with less bureaucracy than traditional financing operations.
Easy entry and exit of members:
Instead of seeking new partners to integrate the company’s share capital, you can invite them to participate in FIDC. Investors can also enter the subordinated (junior) shares of the fund and receive a share proportional to the profit of the fund, without the need to change the corporate structure of your company. This makes the entry and exit of partners simpler and without the costs and risks of a change in share capital.
Tax benefit:
In the traditional real profit model, taxation on corporate profits can reach 34%. In the FIDC, taxation is significantly lower, 15% on the fund’s profitability at the time of the rescue. This tax gain occurs when the company takes funds from the fund, generates financial expenses, reducing taxes on the company’s profit and paying a smaller portion of the income from the fund.
Technology and Efficiency:
Okean Invest uses state-of-the-art software and technologies to ensure maximum efficiency in FIDC operations. This means more agile processes, full transparency and greater security for your company and investors. We automate as many operational steps as possible, which increases reliability and bottom performance, while reducing operating costs.
Why choose Okean Invest?
Okean Invest offers an innovative and efficient approach to managing unique FIDCs, allowing your company to maximize the returns from its idle resources and optimize its credit and capital raising strategy. Our platform, based on the latest technology, ensures transparency, agility and security for all parties involved.
By choosing FIDC as your investment strategy, you will be positioning your company to take advantage of advantageous credit opportunities while raising funds more efficiently and with significant tax advantages.
Don’t let your capital stand still. Turn your surplus cash into a true source of profitability with Okean Invest and the exclusive FIDCs.
