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Collective loan: know this alternative to Factoring!

Factoring is an interesting way to get values ​​for investing in your business. Mainly because it is cheaper and less bureaucratic than bank loans. It is not, however, the only alternative. There is also the possibility of using the so-called collective loan.



Factoring is a process in which a company sells its credits to an individual or another company. These credits relate to term purchases of the business.

The advantage lies in the immediacy of values. Instead of waiting for those forward purchases to be paid, the company receives the money at that time. In return, you give the credit card to someone else. This new owner of the bond will then receive the installment amounts as they are settled by the consumer.

It is important to note, however, that the entrepreneur does not receive the full amount of the invoice. Usually, the credit sale is made for 80% of the actual invoice value. With values ​​in hand, the entrepreneur has more purchasing power. It can also pay off debts, avoiding delays or interest.

The Collective Loan


The collective loan, also called crowdfunding, works as a “kitty”. Performed through a web portal, the alternative brings together “donations” from a number of people. This donation can be made for a variety of purposes – from starting a business to working capital.

In this case, the entrepreneur must perform registration on the platform. It then presents the value you need, and the project it will be applied to. Approved, the individual has a kind of profile posted on the site, as occurs on a social network, such as Facebook.

This allows platform users to access the profile and view the project. If interested, they make the loan of values. If the goal is reached, the amounts are released to the entrepreneur.

Crowdfunding is not, however, a donation but a loan. Therefore, one must offer something in exchange for the money. This way, the entrepreneur can deliver rewards to users. A craft soap company, for example, can offer five of its products for every $ 300 delivered by the user.

The second option of “repayment” is to actually pay back the borrowed amounts. The operation is the same as a bank loan, but with less fees and paperwork. Also, this kind of return should be made with other business owners. These are called peer-to-peer loans (P2P), which do not require bank intermediation.

The crowdfunding business owner receives their money through PayPal. Only fees between 5% and 10% of the total amount received are usually charged. The values ​​serve as platform remuneration. The cost of the Financial Transactions Tax (IOF) is also discounted.

Crowdfunding Benefits

Crowdfunding Benefits

Besides the easier crowdfunding – because of the less paperwork – there are other advantages to the option. As the disclosure of the project. As it becomes available online, the company gains visibility among portal users. In addition, stakeholders can share the initiative on their social networks. That is, creating an even larger audience.

For a company, crowdfunding can still start pre-selling their products. This allows the entrepreneur to verify acceptance of the services and objects. Thus, it is possible to create more consistent selling strategy.

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