FX Investments

The new asset for your portfolio

Invest in a profitable, liquid and safe asset, in addition to having an important portfolio diversification

How is the operation structured?

The securitization process involves raising funds through the issuance of a debt security, which is backed by credit rights, assigned by a borrower in exchange for the advance of these.
Customização de Soluções - desenho de duas folhas de papel e um lápis traçando uma linha em uma delas.

Solutions Customization

We develop solutions for small, medium and big investors; the results are a more flexible operation. This flexibility ensures afinity with the objectives and the investor's risk profile.

Proximidade com o Tomador de Crédito - desenho de um olho.

Proximity with the Credit Borrower

The securitization company is able to act in close proximity to the borrower, operating as a financial asset manager. In addition to assisting and closely monitoring the management of the assigning companies, the resource contributed by investors is monitored and controlled directly by FX. In this way, a shield is created in the ecosystem, ensuring the stability and safety of the operation.

Agilidade na Operacionalização - desenho de um relógio de bolso.

Agility in Operationalization

Investors' capital is allocated to safe securities that, when liquidated, make room for new securities, ensuring the revolving of the monetary chain. The alternation of securities enables the renewal of credit and its strategic allocation. In addition, the investor who contributes the capital can establish flexible terms for the redemption of the principal and/or interest, according to their convenience, as long as previously agreed.

Why bet on securitization?

Agility and bureaucracy reduction

Liquidity through the anticipation of assets

Guarantee commitments reductio

ost reduction due to cash availability

Customized operations

Securitization
Conventional Loans
01
FX Capital searches for resources in the market transforming them into negotiable debt securities, called debentures.
Emissions
Titles
Investors
02
The resource pointed by the investors remains under the management, custody and control of FX Capital through the receivables anticipation operation with the borrower.
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Resources
03
Once the receivables are settled, the assets return to FX Capital cash, starting a new cycle. The revolving of the operating cycle makes it possible to pay the agreed fees to investors.
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Part of the profits
Customização de Soluções - desenho de duas folhas de papel e um lápis traçando uma linha em uma delas.

Solutions Customization

We develop solutions for small, medium and big investors; the results are a more flexible operation. This flexibility ensures afinity with the objectives and the investor's risk profile.

Proximidade com o Tomador de Crédito - desenho de um olho.

Proximity with the Credit Borrower

The securitization company is able to act in close proximity to the borrower, operating as a financial asset manager. In addition to assisting and closely monitoring the management of the assigning companies, the resource contributed by investors is monitored and controlled directly by FX. In this way, a shield is created in the ecosystem, ensuring the stability and safety of the operation.

Agilidade na Operacionalização - desenho de um relógio de bolso.

Agility in Operationalization

Investors' capital is allocated to safe securities that, when liquidated, make room for new securities, ensuring the revolving of the monetary chain. The alternation of securities enables the renewal of credit and its strategic allocation. In addition, the investor who contributes the capital can establish flexible terms for the redemption of the principal and/or interest, according to their convenience, as long as previously agreed.

See more about investment characteristics

Sender
FX Capital
Title
Debenture, pre-fixed
Gross profitability
26,82% per year

Comparison considering initial investment of R$ 10,000.00 for a period of 12 months

Reference: 2022 AND 2023 years
FX Capital
Bank 1
Bank 2
Bank 3
Bank 4
Bank 5
R$ 12.682,00
Gross profitability
26,82% per year
R$ 11.079,00
Gross profitability
10,79% per year
R$ 10.763,00
Gross profitability
7,63% per year
R$ 11.302,00
Gross profitability
99% CDI (approx. 13,02% per year)
R$ 11.341,00
Gross profitability
102% CDI (approx. 13,41% per year)
R$ 11.019,00
Gross profitability
10,19% per year
Source: BCB; IBGE; XP; available assets in the respective bank’s apps.

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Above-average profitability

Combined liquidity

Security guaranteed by proximity to the borrower

Cost reduction due to cash availability

No administration or performance taxes

Investments
Traditional assets

Treasury operations

Escrow Account

Pool

Expertise in judicial reorganization

Self-financing structures

Contact us to learn more about our solutions

Frequently asked questions

See more about our solutions

How is the investment formalized?

The debenture is issued on the basis of a deed of issue. With the contribution of the amount by the investor, the subscription and payment of the debenture is carried out, a circumstance that generates the issuance of a securitization term, a subscription form, a caution and a side letter. All documents are sent to the investor when the amount is confirmed.

What is the investment guarantee?

The investor is guaranteed by the solvency of the securitization company and by the liquidation and quality of the assets backing the debenture, a fact that justifies the care taken in the choice of drawees and traded securities. The title is not secured by collateral. As it is not a bank-issued security, the guarantee by the FGC does not apply.

What is the taxation of the investment?

Debenture taxation follows the regressive income tax table, the rate of which varies depending on the time of application:

IRRF RATE INVESTMENT TIME 22.5% 20% 17.5% 15% up to 180 days from 181 days to 360 days from 361 days to 720 days more than 720 days (add investor material table).

In the case of application for a period of less than 30 days, IOF also applies, according to the rates set out below:

How do we pay remuneration above the market average?

The key is in the transferor's profile. This person can no longer access credit from traditional financial institutions, resorting to alternative forms of financing, with higher rates. This involves applying the supply and demand rule, that is, as the supply of credit in the market dwindles and the demand for capital increases, the market rate adjusts at higher rates.
 
It is worth noting that because we work with a pre-fixed discount rate at responsible levels, we are able to provide a favorable remuneration to the investor, also pre-fixed.

How does investment liquidity work?

According to the rules agreed in the deed, the securitization company has up to 30 days to redeem the requested amount. However, because FX Capital's pillar is good and agile customer service, we were able to adjust the cash flow to make payments within a shorter period of time, as long as it was previously agreed between the parties.

How do I access information about my application?

In the same way that we are on the side of borrowers, we also seek proximity to investors, paying special attention to the transparency aspect of the business relationship. We send a monthly income report for the application, in addition to submitting an annual income tax return report. Finally, given our personality characteristics, it will be a pleasure to welcome you in our physical space or even remotely to answer your questions.

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