Profit as a bank. With returns of up to 400% of CDI a year

Compare and see, our investors have one of the highest returns on the market.

Make my investment The projection presented is a simulation based on an investment with SCORE D. Return projection calculations are estimated values ​​and are not a promise of profitability.
Investment Simulation

+ 20 thousand investors

Diversifying investments without traditional intermediaries.

Collection

We issue the invoices and we charge late payments at no cost for you.

Loan default reporting

We automatically report the loan default to all the major national credit bureaus.

How to invest

Look how simple and quick it is to make your first investment

Install the app

Install the app

It is important that you complete your entire profile after downloading

Marketplace

Marketplace

Borrowers with a clean name and ability to pay the monthly installment

A thousand of options

A thousand of options

Create your own strategy using our filters

Add money

Add money

Charge your wallet to make the investments

Evaluating the investment

Evaluating the investment

Review the details of the loan application

Receivables

Receivables

Track the evolution of your investments in real time

AWARDS AND PARTICIPATIONS
  • InovaBra Startups
  • Santander InnoVentures
  • Ciab Febraban 2017

Set up an investment wallet

Wallet with a high risk profile Expected Return: The adjusted return for eventual default cases. The probability of these events is described in the "Risk Analysis" section below.

Wallet with a high risk profile

Portfolio that best represents the professional investor, with experience in other high risk investments (stocks, derivatives, foreign exchange) and understands the necessity of diversification. Accepts to take more risk, seeking greater gains.

Investing through Mutual you profit as a bank and incur the same risks as the major financial institutions.

Moderate wallet Expected Return: The adjusted return for eventual default cases. The probability of these events is described in the "Risk Analysis" section below.

Wallet with a moderate profile

For the risk-accepting investor, who seeks above-average returns, but currently has a low stake in risky products. It usually allocates most of its income in fixed income products and the like.

Investing through Mutual you profit as a bank and incur the same risks as the major financial institutions.

Conservative wallet Expected Return: The adjusted return for eventual default cases. The probability of these events is described in the "Risk Analysis" section below.

Wallet with a conservative profile

The conservative portfolio fits the investor who has little or no experience with risky financial products and wants to increase their stake in this segment. For those investors, it is best to keep the largest portion of the portfolio in loans with the score of A or B and with a large number of loans to reap the benefit of platform diversification.

Investing through Mutual you profit as a bank and incur the same risks as the major financial institutions.

Risk analysis

We combine the data and documents provided by borrowers acquired from various sources of information, mainly from the Central Bank Database (SCR).

How does the Score work?

There are hundreds of criteria and a rigorous process that results in a credit score for each operation:

  • A+ Score A+

    31 people out of
    1.000 people will not pay

  • A Score A

    67 people out of
    1.000 people will not pay

  • A- Score A-

    82 people out of
    1.000 people will not pay

  • B+ Score B+

    83 people out of
    1.000 people will not pay

  • B Score B

    122 people out of
    1.000 people will not pay

  • B- Score B-

    151 people out of
    1.000 people will not pay

  • C+ Score C+

    152 people out of
    1.000 people will not pay

  • C Score C

    205 people out of
    1.000 people will not pay

  • C- Score C-

    263 people out of
    1.000 people will not pay

  • D+ Score D+

    264 people out of
    1.000 people will not pay

  • D Score D

    305 people out of
    1.000 people will not pay

  • D- Score D-

    360 people out of
    1.000 people will not pay

We recently expanded our risk scale to offer a better rating, soon the default rate will be updated to the new scale.


Default rate

We are one of the only credit companies that publicly divulges our borrower's delinquency and default rates:

Default rate per Score Default rate per Score
The default table above was updated on July 1, 2019 and will receive new updates quarterly.

Comments

Investors Talking About Their Investments
in loans on Mutual

  • Del G

    Del G.

    INVESTOR

    “I invested through Mutual. The app is reliable and secure. They keep their word and pay very well! (...)"

  • Leonardo R

    Leonardo R.

    INVESTOR

    “Excellent value proposition for borrowers and investors."

  • Cledja D

    Cledja Dantas

    INVESTOR

    “I recently joined Mutual as an investor, and whenever I have questions they answer me as soon as possible. I have nothing negative to say. The idea is very good (...)"

FAQ

There is no insurance. In Mutual the investor is almost like a bank. You can, with an interest rate of up to 400% of CDI a year, have the opportunity to analyze the borrower's credit information (the score and risk of the operation) and invest based on that information.

If the borrower does not pay the loan, Mutual does the entire collection process to recover the principal amount plus fines for being late. We use a proprietary collection system for automatically notifying the borrower of the due date, and the consequences for being late with his payment through various means such as phone, whatsapp, SMS and email. Alongside this automated system, we have a team of dedicated collection specialists working to recover any late payments. We also register the loan default at the Brazilian national credit bureaus, preventing the borrower from taking other loans.

In cases of delinquency greater than 90 days, Mutual has a legal team ready to enter with the judicial collection on behalf of the investor.
Sorry, unfortunately you can’t! But we will forward your request to a partner of ours and through there you will be able to carry out your loan request! : D
Once your registration is approved, you can apply for a loan within the pre-approved limit for your account, which will be available to registered investors in our app. If you are accepted by an investor, our financier will evaluate the loan and at this moment it can be approved or not. If approved, the money will be in your account within 4 working days!

* After being published, the loan is active for 15 days on our platform. If your request is not accepted by an investor during this time, the request will expire from the platform and you can make a new request :)
Of course! We are a banking correspondent and we have an online platform that facilitates the access of customers to products and services offered by partner financial institution. The activity of correspondent banking is regulated by the Central Bank of Brazil, according to the Resolution No. 3,954, of February 24th, 2011.

It is important to state that Fintechs must comply with the laws applicable to other financial institutions, including the capital application and money laundering prevention laws.

Do you still have questions? Get to know our support page:

Help Center

Follow Mutual in the media

“Leonardo Rebitte, CEO of Mutual, says the goal of the company is for investors to take the same risks and have the same opportunity of return that the banks have. The company makes a credit assessment of who asks for a loan (...)”
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“At Mutual the investor is almost like a bank. Before, only financial institutions profited (a lot) with this modality of investment. Today, anyone, through Mutual, can lend money legally (...)”
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“It happened to me. I tried to borrow R$ 10,000 at the bank, I was deployed, I had a job, but the bank could not lend me money. From there was born the will to allow someone to lend me and I founded the company, says the CEO of Mutual (...)”
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