The mixture of personal and corporate finances, excess caution and lack of technical orientation compromise the growth of SMEs
Summary
Small Brazilian entrepreneurs face expansion difficulties due to errors such as the mixing of personal and corporate finances, the maintenance of permanent resources and the lack of driving, while alternatives such as real estate consortia are highlighted as a safe and strategic solution.
Many small Brazilian entrepreneurs come across the wrong decisions when they decide to invest, according to JUCIEL OLIVEIRA, CEO of Monteo Investmentos and a specialist in equity leverage strategies. When trying to protect the company’s money, it is common for them to keep permanent resources, look for highly complex applications without sufficient knowledge or confuse personal finance with companies, errors that, together, brake the potential for corporate growth. Jumciel says.
“One of the most common mistakes is to mix the company’s finances with the staff. Another is to leave money for fear of risking or the difficulty of identifying good options. We serve many businessmen who have a good corporate vision, but little guide on how to protect and grow what they have won,” says Oliveira.
The perception of Monteo, a company that operates with over 1.2 billion dollars in credit in credit, is anchored in direct contact with over 3,000 active customers, many of them entrepreneurs. The scenario strengthens the urgency of discussing investment alternatives that combine safety and performance, in particular in an economic environment still marked with high interest rates and limited bank credit.
In this context, the real estate consortium emerges as a practicable alternative and increasingly sought after by the owners of small businesses. Unlike conventional financing lines, the Consortium allows us to use third -party capital, through the credit letter, to purchase a property or a high value, without compromising the company’s cash flow.
“It is a safe, scalable and flexible strategy, especially if accompanied by a advice that includes the moment and objectives of the customer,” says the executive.
The data of the Brazilian Association of Consortium Directors (ABAC) show that the sector has moved $ 191.11 billion in credits in the real estate segment by 2024, growing 35% compared to the previous year. Expressive growth reflects a behavioral change between investors who have improved investment methods with greater predictability and less risk.
Among the benefits highlighted there is the possibility of using the income of other questions, such as real estate funds or fixed income, to repay the installments of the consortium. The practice allows the entrepreneur to maintain liquidity and at the same time expand his assets. “The direction of income from other investments to pay the installments allows the investor to participate in a consortium without the need to beheading their activities”, an oliveira exemplification.
The executive also stresses that the strategic conduct of the consortium must be continuous, with professional monitoring, market analysis and intelligent credit use at the most timely moment. “With the professional follow -up, it is possible to anticipate movements, analyze the group’s behavior and make decisions based on data and context, without depending on luck”, explains JUCIEL.
For Oliveira, the biggest challenge is still access to information. “What moves people away from the world of investments is not the lack of will, it is the way in which the theme is presented,” says Oliveira. He claims that the market must abandon an excessively technical language to include profiles that, although they are capital and interest, are not yet seen as investors.
It inspires the transformation into the world of work, business, society. It is the creation of the compass, content and the connection agency.
Source: Terra
Rose James is a Gossipify movie and series reviewer known for her in-depth analysis and unique perspective on the latest releases. With a background in film studies, she provides engaging and informative reviews, and keeps readers up to date with industry trends and emerging talents.
