Credit for Online and Unsecured Companies: Questions and Answers about Loan
There are many doubts when it comes to business credit, especially when the mode is loan with fintechs online.
These doubts must exist, after all, they are contracts that involve money and we are here to clarify all possible doubts. Here, in this text, we will show the main doubts and will open spaces in the comments for those who have more doubts.
Who is BizCapital?
BizCapital is a Fintech , a category of companies that aims to bring innovative solutions to the financial sector and improve the lives of companies and individuals who need banking products, using state-of-the-art technology and providing modernity, agility and transparency. BizCapital was founded by entrepreneurs with successful histories in the construction of technology companies, with experience in the financial and banking sectors and has as investor one of the main funds of Venture Capital of the country.
What does BizCapital do?
BizCapital started its operations focused on credit products, especially in working capital financing products.
We have developed a platform that streamlines the entire financing calculation process, the release of credits and the online monitoring of each company’s loans, to facilitate the day-to-day operations of financial managers and entrepreneurs. Everything that previously required time and effort, can now be done online, without bureaucracy and digitally.
Companies that seek credit can submit their needs through the platform and will have their credit evaluated in an agile way.
Is BizCapital a Bank or a Financial?
BizCapital is neither a bank nor a financial institution.
We are, as a digital credit company, a banking correspondent and we are authorized to offer products through partnerships with banks and financial institutions.
In order to offer this type of service, BizCapital has established a partnership with Socinal SA – Crédito, Financiamento e Investimento , a financial institution that has been operating for more than a decade in the market and is responsible for credit and investment operations carried out through the platform .
Some other doubts, we will put here:
- How do I apply for a loan?
- How does the process work for me to get a loan?
- Do I need to offer personal guarantees to get credit?
- Does BizCapital grant a loan to individuals?
- What are the minimum requirements to apply for a loan?
- What documents do you require when hiring the loan?
- How is the loan agreement signed?
- Do I need to pay a fee to request an offer?
- What fees do I have to pay for the loan?
Is getting loan at BizCapital safe?
Yes, it is 100% safe to take a loan with BizCapital. We work in accordance with all the requirements of the Central Bank of Brazil and use advanced technologies to ensure the highest security for you.
Remember that no amount is charged in advance. Fees and service charges will be included in the value of the parcels in case of approval of the proposal.
If you feel unsafe at any point in our process, feel free to contact us.
How do I apply for a loan?
It’s very simple, our credit rating is done online. You submit the application using the form available here . It takes less than 1 minute!
What are the minimum requirements to apply for a loan?
We take into consideration several factors for granting credit. However, we can highlight the following criteria as mandatory:
- Your company must be legally incorporated and have at least 1 year of active CNPJ
- You need to have a bank account in the name of your company (PJ Account)
- Monthly invoicing from R $ 10 thousand
If your company meets these prerequisites, then you are ready to apply for a credit assessment with us. Just fill in your information here and we will reply within 24 hours in the registered e-mail.
How soon will I receive my loan?
The processing speed of a loan is one of the main motivations of BizCapital. The entire process of reviewing the request until the release of the money in your account takes an average of 5 business days . However, depending on your company’s situation and the compliance of the submitted documentation, we were able to release your money within 3 business days!