With the high level of competition in the market, companies are constantly seeking ways to increase their earnings. And what better way to do this than by strengthening your position in all areas with technology, financing, agility, and no bureaucracy?
Okean Invest brings all its expertise in FIDCs (Receivables Investment Funds) and new technologies developed by our team, which allow for the structuring of FIDCs that can operate almost like an exclusive bank for your company, with far lower costs and bureaucracy and all the profit possibilities that a bank can provide.
Many companies listed on the stock exchange already structure their own banks, such as Mercado Livre, which created Mercado Pago to assist and enhance its activities, in addition to gaining all the benefits and profits that a bank can offer. The costs of creating and maintaining a bank are enormous, requiring a large amount of capital to make this dream a reality. Today, it is possible to create a similar structure with reduced costs and much lower capital requirements.
In the past, exclusive FIDCs in Brazil were used only by established giants in the national market, such as car manufacturers (Fiat, Honda, and Volkswagen, among others), to finance their supplier chain, vehicle financing for customers, and payroll-deducted loans for employees. Today, the strategic possibilities that a FIDC can generate in terms of financial and tax gains are extremely vast. Imagine no longer paying the bank’s spread and starting to receive it.
Advantages of Structuring a FIDC
- Agility and Less Bureaucracy: Structuring a bank can be time-consuming and expensive, whereas Okean Invest delivers the entire ecosystem functioning, regulated, and approved by the CVM in less than a month.
- Affordable Costs: Having your own FIDC is not expensive. It only requires an initial capital investment and the payment of structuring costs. After this stage, the fund itself can cover all expenses with the profitability of the operated fees.
- Lower Minimum Flow: With an annual turnover of R$50 million, you can already meet the minimum transaction requirements for the project to become viable. However, a feasibility study by our team is always necessary.
- Sector Flexibility: Any company, regardless of the sector it operates in, can have its exclusive FIDC. What changes are the strategy, structure, and operated fees, as each segment has different credit risks and rates.
Boosting Your Business and Transforming Your Finances
- Segment Financing: With the FIDC, you can pay your suppliers upfront or allow them to advance receivables with your FIDC, solving cash flow mismatches and offering the possibility of extending deadlines. Additionally, it is possible to offer installment payments to your end customers without needing them to have credit card limits, expanding your audience and strengthening your brand in the market.
- Payroll-deducted Employee Loans: Create your own line of credit for employees. Instead of resorting to a bank, they can obtain credit from the FIDC, with payments deducted directly from their paycheck. This is a smart solution for growth.
- New Financing Modalities: If the product your company sells or manufactures lacks a financing option in the market, we can create a customized solution for your FIDC. This gives you a significant market advantage, enabling you to finance your customers, both individuals and businesses.
- Capital Raising: If you need more capital to expand your operations, we can introduce the FIDC to the capital market. We can offer it to family offices and institutional investors who will contribute funds to the FIDC in exchange for a portion of the returns, while your company remains the owner of the fund.
- Tax Advantages and Risk Mitigation: Exclusive FIDCs also offer tax benefits, enabling more efficient tax planning and increasing the profitability of companies. Additionally, by isolating receivables in your own fund, companies can mitigate default risks, protecting their cash flow. This risk mitigation structure is particularly attractive to volatile sectors such as construction and retail, where economic fluctuations can directly impact receivables.
Navigate Clear Waters with the Horizon Always Ahead
Exclusive FIDCs are transforming the way companies finance their operations and manage their financial assets. With reduced costs, greater control, and flexibility, this solution offers a sustainable and efficient path for companies seeking to grow without compromising their financial structure.
As more companies discover the benefits of this innovative tool, the market for exclusive FIDCs will continue to expand, helping companies from all sectors reach new levels of success. At Okean Invest, we structure your Exclusive FIDC from start to finish, ensuring a solution tailored to your company’s specific needs. We are ready to support you at every step of this journey, with our expertise and commitment to transforming your financial operations.
Schedule a meeting with the Okean Invest specialists and discover how we can help elevate your company to new heights. Don’t miss the opportunity to innovate and boost your results with an exclusive FIDC.
