P2P (peer-to-peer) lending

WMoney, our P2P (peer-to-peer) lending company, connects those who need loans with those who have the capital to invest, without the intermediation of a bank. There are advantages for both sides of the business. The borrower gets more attractive rates than the big banks. Those who lend have access to options with higher returns. 

WMoney is in charge of selecting the companies that will receive the investors' money, in many cases making visits to the entrepreneur. Only businesses that have been registered for more than 3 years are included in the platform, with an in-depth analysis of the debt and figures presented. With the companies that pass its security screening, WMoney puts together a portfolio of companies with great potential, but outside the banks' generalist radar.

As a second layer of security, WMoney also takes care of the legal collection of debts that may be paid late, thus ensuring that your platform has very low default rates. 

The model, common in Europe and the United States, is relatively new in Brazil. But it has immense potential in the country, considering the number of companies with high potential but no access to credit to thrive. At the other end, there are also a large number of small and medium-sized savers without access to investment options with good rates of return, such as those offered to large investors.

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