When we begin investing, it can be challenging to determine the safety of the platform we choose for our investments.
To assist you, we have created an article that delves into the reliability of INCO and the factors contributing to the company’s growth, attracting over 310,000 investors in just seven years.
What does INCO stand for?
INCO, established in 2018 in Belo Horizonte, is a credit fintech that seeks to simplify funding for various real estate projects through group investment. It was created to provide a range of investors with access to investment opportunities in Brazil’s rapidly expanding markets, which were previously limited to big investors.
INCO functions as a Financial Institution (SEP) under the supervision of the Central Bank, enabling us to engage in various sectors such as agribusiness, energy, and venture capital. This authorization provides investors with a range of investment opportunities for diversified and enhanced portfolios.
INCO Investimentos serves as a platform linking investors seeking portfolio diversification to companies across various sectors in need of funding for projects.
Is INCO regularized?
The INCO Group operates as a financial institution that facilitates loans between individuals, using the INCO Society of Peer-to-Peer Loans S/A. All the loan offers on the INCO Investments platform are fully compliant with the regulations set by the Central Bank.
INCO serves solely as a correspondent bank for financial institutions authorized to issue Bank Credit Codes under Article 2 of CMN Resolution 3.954, dated February 24, 2011.
The platform provides credit opportunities specifically for external businesses, with INCO responsible for organizing and presenting these offers to ensure investors have a straightforward, clear, and cost-effective investment process.
Is INCO a trustworthy investment option?
The financial market in Brazil has been changed by collective investment, making investment opportunities more accessible to a wider range of investors.
The profits offered by INCO were always accessible in the market but were previously limited. Before, investors would keep their money in low-interest bank accounts instead of directly financing entrepreneurs at higher rates. INCO Investments eliminates intermediaries and allows direct financing for entrepreneurs.
Investment procedures in INCO are easier, catering to companies seeking investors outside traditional financial institutions and individuals looking to invest in lucrative real estate ventures.
Each published offer includes a variety of guarantees, from personal guarantees like partner endorsements to tangible guarantees like real estate fiduciary assignments.
Information and pertinent data regarding INCO.
To truly determine a company’s trustworthiness, it is essential to analyze the data and numbers. Hence, we are providing important information about our platform for your perusal.

We have more than 310,000 investors and have completed over 1100 transactions on the platform. Out of these transactions, we have received over 850 million reais and 97.6% of payments were made on time.
Our rating system helps you effectively diversify your portfolio on the platform by distributing assets with different risk levels from A-E.
How to begin investing in INCO?
- Get the INCO app downloaded.
- On the app’s main screen, select “Invest” to review the various available options, taking into account factors such as sector, deadline, profitability, and mode.
- Define the amount you wish to invest in acquiring the pickup truck.
- Review all details and verify the investment by electronically signing it.
- To complete your investment confirmation, ensure there are sufficient funds in your INCO current account for payment. If needed, transfer funds from your personal account to the specified account under the “Deposit” option.
Information regarding the investment procedure
Any individual over 18 years old, with the capacity to invest and an active CPF, and who is not politically exposed, can invest in the platform for just R $500.
You can invest in different opportunities throughout the month as long as you have not reached your maximum investment limit, enabling you to diversify your portfolio based on your preferences.
Investment returns from INCO opportunities start upon operation liquidation, typically within 3 to 5 business days following app pickup closure. Each pickup has a set minimum and maximum target value, with funds allocated to the user’s INCO current account if the minimum goal is not met, resulting in investment cancellation.
To find out more about investing in INCO, simply visit our FAQ section.
What benefits does investing in INCO offer?
Investors should thoroughly assess their investment objectives before making any investment decisions.
Investing in INCO’s collective financing platform offers various benefits, as investments vary in characteristics with unique advantages for each market and acquisition.
1. Simplicity
The investment process is fast, as you can register on the platform in just 3 minutes, and it is entirely done online.
2. Nothing
Administrative costs and fees can significantly impact your investment outcomes. At INCO, investors do not incur any charges for our services.
3. Earning potential
INCO’s success is evident in its annual profitability of up to 20% and the accessibility of investment opportunities previously limited to large investors, showcasing its reliability and achievement.
Accessibility for every type of investor profile.
The INCO investor can begin with a modest investment of R$500, enabling them to build confidence and trust in the INCO platform.
Five. Variety
We put together deals from multiple markets each month to increase diversification and enhance your portfolio.
Criteria and technical expertise
The companies’ acquisitions are meticulously conducted by skilled technicians at INCO, with a focus on expanding clients’ portfolios through exploring new markets and diversification opportunities.
Transparency is the quality of being easily understood or seen through.
All corporate information and projects are gathered and shared on the INCO platform to guarantee transparency and safety for investors.
Eight. Investors who are partners.
In 2021, Bossanova, a shareholder company of the Primo Group (Thiago Nigro), invested in INCO to advance our goal of making capital access more accessible through real estate investments.
What are the benefits of choosing investors from the INCO platform Investment?
One major obstacle for entrepreneurs is obtaining financial support. As a result, the INCO collective funding platform offers a great opportunity to secure the necessary capital to bring your business idea to life.
Entrepreneurs typically seek capital from banks and venture capital firms, a process that involves lengthy credit approval and presenting detailed business plans and market research. However, this approach offers no assurance of securing a loan, often resulting in entrepreneurs paying high interest rates to financial institutions.
At INCO, we offer a level of flexibility that is not found in conventional financing methods. We raise funds through peer-to-peer lending, eliminating the need for investor oversight of the project, enabling the company to focus on its operations while we engage with investors.
If you aim to attract investors for your project and avoid bureaucratic obstacles in securing funding, sign up on the INCO Platform.
Is it a good idea to put money into INCO Investments?
INCO investments act as a middleman in negotiations and do not have direct responsibility for real estate projects. However, only the top projects that meet stringent selection criteria at INCO are approved for collective funding.
The agreement between the entrepreneur and investor includes extrajudicial executive titles that allow for immediate debt execution without the need for legal proceedings.
The platform ensures that real estate project entrepreneurs offer multiple safeguards to protect investors’ funds from fraudulent activities, bankruptcy, and misappropriation of capital.
Therefore, determining if it is worthwhile or not will largely depend on your risk evaluation, your profile, and the objectives you aim to accomplish with your investment portfolio.
What risks are involved in investing in INCO’s crowdfunding?
Investments at INCO, like any other type of investment, come with risks.
Credit recipients have the responsibility of transferring payments to investors, and there may be instances of delays in these payments, which is referred to as default.
If this occurs, a joint legal action is started to retrieve the outstanding amounts.
INCO implements various measures to avoid these issues, including requesting companies to submit their financial data and project updates, as well as monitoring information through credit software.
We suggest thoroughly examining the prospectus to comprehend the individual risks associated with each opportunity and diversifying your portfolio.
Income Tax is a tax on earnings.
INCO does not impose an investor administration fee; only the entrepreneur raising funds is charged. However, investors will be subject to a fixed-rate income tax according to a regressive table. Hence, investors’ expenses consist solely of their contribution and future taxes.
INCO Investimentos’ business model adheres to fixed income guidelines and includes specific rates.
- 22.5% for applications lasting less than 180 days.
- 20% interest rate for investments lasting between 181 days and 360 days.
- 17.5% for applications submitted between 361 and 720 days.
- Applications that have been in process for more than 720 days will receive a 15% return.
Annually, investors also receive tax reports.
Summary
INCO Investimentos values transparency and seeks responsibility and reliability from its investors and entrepreneurs, as they are crucial to the company’s operations.
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