Inco

Inco is a Brazilian financial technology company, founded in 2018, that operates a collective investment platform. The firm is headquartered in Belo Horizonte and was co-founded by Daniel Miari. The company's digital platform connects investors with companies seeking credit for their projects, democratizing access to opportunities previously limited to large investors. Inco enables individuals to invest with amounts starting from R$500 in a variety of sectors, including real estate, energy, and venture capital.

The business model is centered on structuring and offering investment opportunities, such as CRIs, CCBs, and debentures, to a broad base of investors. Inco's revenue is generated from a pre-defined percentage of the total amount raised for each project, paid by the company receiving the funds. This allows the platform to remain free of charge for investors. The company carefully selects and analyzes projects, which have their own guarantee structures, ranging from personal guarantees from partners to fiduciary alienation of real estate.

In 2022, Inco received authorization from the Central Bank of Brazil to operate as a Peer-to-Peer (P2P) lending company (Sociedade de Empréstimo entre Pessoas - SEP), which expanded its operational capacity. The platform has experienced significant growth, reaching over 350,000 investors and facilitating over R$1 billion in raised capital across more than 1,000 operations. The firm is also looking to expand its services to attract institutional investors like funds, family offices, and banks.

Keywords: collective investment, peer-to-peer lending, alternative investments, real estate investment, fintech, Brazilian startups, SME financing, credit access, investment platform, crowdfunding, venture capital, high-yield investments, financial services, digital investment, regulated financial institution