Nova regulamentação do BC aumenta custos para fintechs de crédito


Desde abril do ano passado, as fintechs de crédito, por meio da resolução 4.656 do BC, foram autorizadas a atuar no mercado com independência, classificando-se como instituições financeiras.

Para isso, a resolução criou duas modalidades: as Sociedades de Crédito Direto (SDC), que concedem empréstimos com recursos próprios; e as Sociedades de Empréstimo entre Pessoas (SEP), que ligam investidores com recursos para emprestar a pessoas e empresas interessadas em obter crédito – o chamado peer to peer (P2P) lending.

De forma complementar, em outubro, o então presidente Michel Temer assinou o decreto 9.544 com o objetivo facilitar a entrada no país das fintechs com capital estrangeiro. Hoje, de acordo com o BC, há três Sociedades de Crédito Direto (SCD) autorizadas: a QI Sociedade de Crédito Direto S.A., a Creditas Sociedade de Crédito Direto S.A. e a HB Capital Sociedade de Crédito Direto S/A. Há ainda nove SCDs e quatro SEPs em processo de autorização.

A Associação Brasileira de Crédito Digital (ABCD) estima que o Brasil tenha atualmente entre 80 e 100 fintechs de crédito. O volume de crédito concedido por elas vem aumentando 300% ao ano.

Apesar do otimismo com a nova regulação, muitas startups ainda estão avaliando a oportunidade de aderir à norma. O motivo são os custos envolvidos.

Segundo Fabio Neufeld, presidente e fundador da Kavod, é necessário, somente para solicitar a adequação, depositar R$ 1 milhão no BC em custódia e dispor de mais R$ 1 milhão ao ano para sistemas e infraestrutura de operação e compliance. “Precisa ter um volume de operação que justifique. Neste momento, para o tamanho de nossa operação, esse custo não faz sentido”, diz Neufeld.

Pereira, da ABCD, diz que o mercado é dividido igualmente entre fintechs que oferecem crédito para empresas e as que atendem pessoas físicas. Mas o modelo p2p sofreu uma inflexão e precisou evoluiu o conceito. “Antes, era baseado em empréstimos um para um. Esse modelo teve vários desafios para gerenciar bem o crédito e evoluiu para o modelo de portfólio em que os investidores compram cotas”, explica Pereira.

A Mutual é das poucas empresas com empréstimos p2p para pessoas físicas. Operando como correspondente bancário da Paraty Financeira desde fevereiro de 2018, a startup atingiu, em março, a marca de R$ 5 milhões de empréstimos concedidos em sua plataforma. Atualmente, a Mutual conta com 185 mil clientes (35 mil investidores e 150 mil tomadores).

Até o final de 2019, a meta é atingir a quantia de R$ 100 milhões de empréstimos. A fintech já captou R$ 3 milhões no mercado e tem novas rodadas de investimento em aberto. Para atingir a meta, a empresa vai iniciar operações com Fundo de Investimento em Direitos Creditórios (FIDC), que podem captar R$ 10 milhões em cada rodada. Outra estratégia será o fatiamento dos empréstimos.

“Quanto à regulação de SEP, estamos avaliando, pois a carga tributária subiria de 12% para 40%. A vantagem de operar como instituição financeira é que dá independência, autonomia, velocidade e escala”, explica o CEO da Mutual, Leonardo Rebitte.

A empresa opera com taxas de 2,9% a 9,87%, semelhantes às taxas bancárias, mas Rebitte justifica que são empréstimos sem garantia para pessoa física. “Não visamos a ser a empresa de empréstimo barato, e sim permitir o acesso que a pessoa não tem nos bancos. Precisei de R$ 10 mil para pagar o parto da minha filha, mas, embora estivesse empregado e com uma boa renda, o banco não me emprestou. Queremos dar o maior retorno para nossos investidores – 400% do CDI – e a taxa mais justa para o tomador”, diz Rebitte.

A Nexoos oferece crédito p2p com recursos de pessoas físicas e empréstimos para empresas. Já financiou R$ 130 milhões sem garantia, apenas com aval dos sócios, e com taxas de 1,5% a 4% ao mês. Já foram atendidas 1,3 mil empresas, e, diariamente, há demanda de dez novas empresas.

O investidor tem um retorno médio de 17% ao ano, já descontada a inadimplência, atualmente em algo entre 5% a 7%. A empresa está lançando uma wallet, uma conta Nexoos para o investidor ter uma melhor experiência, realizar reinvestimentos e outros benefícios. O investidor escolhe todas as empresas em que quer investir, montando seu próprio portfólio. Hoje a Nexoos tem parceria com a Socinal e ainda está analisando a possibilidade de solicitar a autorização do BC para atuar como instituição financeira.

“Há custos envolvidos, mas, por outro lado, há a independência de conduzir os processos sem precisar de terceiros e ter uma margem maior, que permite oferecer um melhor produto e taxas mais baixas. Mas há o momento certo, a estratégia sobre onde e como quer chegar e fazer as contas se faz sentido o ganho de margem versus os custos da infraestrutura”, justifica Daniel Gomes, CEO e cofundador da Nexoos.

Inicialmente, a Geru visava a operar no modelo peer to peer, mas, como não havia regulação, passou a operar com crédito online para pessoas físicas.  A empresa já solicitou a autorização do BC para uma licença de SCD, já que opera com capital próprio, em parceria com o Andbank e o banco CBSS, joint-venture entre o Bradesco e o Banco do Brasil.

Segundo Tatiana Floh, COO da Geru, a empresa tem duas faixas de preços e volume de negócios. Para créditos com taxas de 1,9% a 5%, o modelo é baseado em fundos FIDC, com cotas adquiridas por investidores qualificados e recursos alocados na carteira de empréstimos. A parceria com o CBSS oferece taxas de 5% a 8,2% e funciona num modelo de partição de resultados.

“As pessoas interessadas informam o valor de que necessitam, o motivo e o número de parcelas em que vão pagar. O portal informa se o empréstimo foi ou não aprovado e em que tipo de taxa. O fundo FDIC tem três cotas: de menor risco e retorno, intermediária e maior risco e retorno. As de menor risco e retorno são as primeiras a receber. A parceria com o CBSS nos permitiu aumentar o perfil de risco”, explica Tatiana.

A empresa não divulga números e valores de empréstimos concedidos, número de clientes e investidores ou taxa de inadimplência. “Em geral, fazemos duas captações ao ano. A segunda de 2018 somou R$ 250 milhões e os recursos já estão acabando”, sinaliza a COO da Geru.

A Lendico também desistiu do modelo P2P para focar em empréstimos online com capital próprio e programou para o segundo semestre a entrada com o pedido no BC para se tornar uma SCD.

Segundo Marcelo Ciampolini, CEO da Lendico, a principal vantagem será o acesso aos benefícios do open banking. “Os dados abertos do open banking só estarão disponíveis para instituições financeiras. Se eu for uma fintech, não terei acesso a dados dos clientes”, justifica Ciampolini.

Em novembro, a empresa, que tinha uma participação do BMG, teve 100% do controle todo vendido para um fundo de investimentos, cujo nome, assim como o valor, a startup não divulga. Hoje a Lendico opera com empréstimos para pessoa física, que já somam R$ 350 milhões. As taxas médias são de 3,59%, sendo a mais baixa 2,8% e a mais alta 5%.

“O perfil do cliente é o de bom pagador, pois temos um rigor na aprovação, classe média e média alta, faixa etária de 35 a 40 anos, equilíbrio entre homens e mulheres. São créditos de R$ 2 mil a R$ 50 mil, e o tíquete médio é de R$ 9 mil”, esclarece Ciampolini.

 

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