The aim is to enable you to advance funds to your suppliers at a lower cost than bank credit, without changing the original payment deadline. This makes it possible to negotiate better commercial conditions and reduce costs.

A similar logic can be used for sales financing, by setting up an FIDC with credit rights arising from the sale of products in order to grant payment terms to buyers without giving up the cash receipt of their sales.

The fund, in turn, uses the shareholders’ money to acquire these credit rights, which serve as back for the investments. The income generated by the credit rights is distributed to shareholders in accordance with the fund’s policy.

To summarize, the Treasury FIDC (mono-cedant) is a form of fundraising that allows companies to obtain short-term financing by offering their future receivables as collateral. This structure provides liquidity and security for investors, while at the same time offering the ceding company a source of working capital for its operational activities.

This process occurs when a company or financial institution converts its financial assets, such as loans, financings, or receivables, into securities that are sold to investors.

These credit portfolios typically comprise sources such as financing contracts, loans, and credit cards, with the primary objective of providing liquidity to the originators.