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When we begin investing, it can be challenging to determine the safety of the platform we choose to use.
We have created this article to provide more information on why INCO is trustworthy 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 make financing for various real estate projects easier through group investments. Its goal is to provide a range of investors access to investment opportunities in rapidly expanding Brazilian markets that were previously restricted to major investors.
INCO functions as a Financial Institution (SEP) overseen by the Central Bank, enabling us to operate in various sectors like agribusiness, energy, and venture capital. This authorization grants investors access to diverse investment opportunities for better portfolio diversification.
INCO Investimentos serves as a link connecting investors seeking portfolio diversification and companies in need of funding for various projects.
Is INCO regularized?
The INCO Group functions as a financial entity facilitating loans among individuals via the INCO Society of Peer-to-Peer Loans S/A, and all the listings on the INCO Investments platform are fully compliant with the Central Bank.
INCO serves as a bank correspondent for authorized financial institutions that issue Bank Credit Codes under CMN Resolution 3.954, dated February 24, 2011.
The platform provides credit opportunities for external businesses, with INCO responsible for organizing and presenting these offers to ensure investors have a straightforward, clear, and cost-effective investment experience.
Is INCO a trustworthy investment?
The financial market in Brazil has been changed by collective investment, making investment opportunities more accessible to a broader range of investors.
The profit potential offered by INCO has always been present in the market, but was previously limited. In the past, investors typically kept their money in low-interest bank accounts, while entrepreneurs had to rely on high-rate financing. INCO Investments now allows direct financing for entrepreneurs without intermediaries.
Investment procedures in INCO are easier, benefiting companies seeking investors and individuals looking to invest in lucrative real estate ventures.
Each published offer comes with its own set of assurances, which can include personal guarantees like partner endorsements and tangible guarantees like real estate fiduciary alienation.
Information and pertinent data regarding INCO
In order to determine a company’s trustworthiness, it is necessary to analyze the data and understand the numbers. Hence, we are providing valuable information about our platform for your consideration.
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 with 97.6% of payments made promptly.
Our rating system can assist you in effectively diversifying your portfolio by allocating assets with ratings ranging from A to E based on your risk tolerance.
How can I begin investing in INCO?
- Get the INCO app downloaded
- Click on “Invest” on the app’s main screen to review the various opportunities open to you, taking into account factors such as sector, deadline, profitability, and mode.
- Define the amount you wish to invest in purchasing a pickup truck.
- Review all details and validate the investment with your digital signature.
- Make the payment to confirm your investment by ensuring there is a sufficient balance in your INCO current account. If you have insufficient funds, you can transfer money from your personal account with the same CPF and name to the specified account under the “Deposit” option.
Information regarding the investment procedure
Any individual over 18 years old, competent, with an active CPF, and not politically exposed is eligible to invest on the platform with just R $500,00.
You can invest as long as there are available opportunities within your maximum investment limit. Companies provide different options each month, enabling you to diversify your portfolio based on your preferences.
Investment returns from INCO opportunities start when the operation is liquidated, typically 3 to 5 working days after the app pickup closes. Each pickup has a set minimum and maximum value, determined by the credit team. If the minimum target is not met, the funds will be transferred to the user’s INCO current account and the investments will be canceled.
To discover additional information on investing in INCO, simply refer to our FAQ section.
What benefits does investing in INCO offer?
Investors should thoroughly assess their investment objectives when considering any investment.
Investing in INCO’s collective financing platform offers various advantages, with distinct characteristics for investments in different markets and acquisitions.
Simplicity
You can sign up on the platform in just 3 minutes, and the investment is done entirely online.
2. Nothing
Administrative expenses and charges can significantly impact your investment outcomes. At INCO, clients are not charged any fees for our services.
3. Earning potential
INCO’s success is evident through its annual profitability of up to 20% and the access it provides to investment opportunities that were previously exclusive to large investors.
Accessibility available for every type of investor profile.
The INCO investor can begin with a modest investment of R$500, enabling them to gain confidence and trust in the INCO platform.
Diversification is essential to have a variety of options.
We put together deals from various markets each month, enabling greater diversification and enhancing your portfolio.
6. 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.
7. Clarity
All corporate information and projects are uploaded and accessible on the INCO platform to guarantee transparency and safety for investors.
Eight investors who are partners.
Bossanova, a shareholder company of the Primo Group, invested in INCO in 2021 to enhance efforts in democratizing access to capital through real estate investments.
What are the benefits of choosing investors from the INCO platform for investment?
Accessing finance is a major hurdle for entrepreneurs, making INCO’s collective financing platform a valuable resource for securing the necessary capital to launch a business.
Entrepreneurs typically seek funding from banks and venture capital firms, a process that involves lengthy credit approval, business plan submission, and market research. However, there is no assurance of securing the loan, leading to high interest rates.
At INCO, we provide a level of flexibility not found in conventional financing methods. We raise funds through peer-to-peer loans, freeing the company to focus on operations while we handle investor relations.
If you aim to attract investors for your business and overcome bureaucratic obstacles in securing funding, sign up on the INCO Platform.
Is it a good idea to invest in INCO Investments?
INCO investments act as a middleman in negotiations and are not directly responsible for real estate projects. Only the top projects that meet strict selection criteria at INCO are approved for collective funding.
The agreement between the entrepreneur and investor includes extrajudicial executive titles, allowing for the debt to be executed directly without the need for bureaucratic or legal involvement.
The platform ensures that real estate project entrepreneurs provide multiple safeguards to protect investors’ funds from fraudulent activities, bankruptcy, and misuse of capital.
Understanding the value of an investment will largely depend on your risk assessment, profile, and financial objectives.
What are the potential dangers of investing in INCO’s crowdfunding?
Investments at INCO, like any other type of investment, come with risks.
Credit receivers are tasked with transferring payments to investors, and there may be occasional delays in these transactions, a situation referred to as default.
A collective legal action is started to retrieve the owed amounts in such cases.
INCO takes various measures to avoid these issues, such as mandating companies to submit financial data and project updates, as well as utilizing credit software for monitoring.
It is advised to thoroughly review the prospectus to comprehend the particular risks associated with each investment opportunity and to also spread out your investments.
Tax on earnings
INCO does not impose an investor administration fee; only the entrepreneur seeking funding is charged. However, investors will be subject to a fixed rate of Income Tax (IR) based on a regressive table for their earnings. Thus, investors’ expenses are limited to their contribution and any future taxes.
INCO Investimentos’ business model adheres to fixed income regulations, which include specific rates.
- 22.5% for applications lasting up to 180 days;
- 20% interest rate for investments held between 181 days and 360 days.
- 17.5% for requests submitted between 361 to 720 days.
- Applications that have been pending for more than 720 days will receive a 15% return.
Investors receive annual income tax reporting.
Conclusion
INCO Investimentos aims to establish a culture of transparency, emphasizing responsibility and reliability towards its investors and entrepreneurs, as they are fundamental to the company’s operations.
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