Frequently Asked Questions



Purpose

  • What is Openbox's view of the credit market?

    At Openbox we understand that the Brazilian credit market can and should be more transparent and participative in finding solutions for clients and investors.

    Everyone gains with it.

    Since customers qualify and understand better the relationship of their sales with the liquidity of their roles,
    as well as investors who can allocate their investments to a qualified and intelligent ecosystem.

  • Why do you think it's possible to do it differently?

    • Current structure of credit supply centralized in few banks
    • Few regional credit options for companies
    • Investment options without the transparency or the socio-environmental responsibility purpose we are bringing
    • Lack of a greater purpose, a healthy coexistence between organizations in the search for qualification and financial education in companies

  • Where did this idea come from and why do you think it will work?

    The idea came from the necessity for the reduction of the existing gaps in the national market. For companies, in their relationship with banks, and also for investors who, even though are the capital owners, do not have the freedom or transparency to allocate their resources into the companies that are really working for the economy’s development.



I need capital (companies)

  • What is the advance of receivables?

    The advance of receivables is the process of anticipating future receipts (payments from customers) of your company for the present date.
    Imagine that you sold a product and will get paid within 45 days from the deal.
    If you ask to advance this payment, you receive this money immediately in your account, therefore strengthening your cash flow.

  • In what situations can this help my business?

    Unlike to what we may think, the advance of receivables should be used as a healthy financial strategy and not only in times of tightening in the cash flow.

    Prepayment of your suppliers. Example: You can anticipate your receivables, thus with cash, you can buy your raw materials at a discount. Usually, this discount is higher than the discount rate on the advance.

    It must be used before resorting to high overdraft fees or delaying the payment of the company's credit card, because of the so much higher interests.

    As a temporary measure to solve some sales issue which couldn’t be planned or even due to seasonality.

    That is why, in most cases, the advance of receivables is the best alternative when compared to the bank loans.

  • Do I need to issue payment orders to my client?

    You don’t need and neither you should! Openbox is who deals with the client’s charge. If you have issued a payment order, it is very important that you discharge it at your bank or financial institution.

  • What is the charge fee?

    Our Machine Learning algorithms calculate the rate of each title in our system and show you transparently how to work at the best rate.

  • How long does it take for money to be deposited in my account?

    If you are already a customer, in a few hours.

  • What do I need to open an account with you?

    Name, CNPJ and a phone number, and we’ll take care of the rest for you. Just let your company issue the NF-e from your product’s sales.



I wanna invest

  • What does characterize a company with socio-environmental responsibility?

    It is characterized by the set of actions and attitudes that makes the company to position itself within the market as an ethical and responsible player. Therefore its production and sales have a positive impact on society. The impact of these actions can be observed in local, regional and national economy, for example in the development of direct and indirect jobs, in the sustainable production process, among others.

    For this reason, socio-environmental responsibility is an important, qualifying process with several steps.

  • What are debentures?

    The debenture is a fixed income investment issued by a company, it may be private or state-owned. Basically, it works as a loan of your money to the company. In exchange, you receive a return rate agreed upon at the time of the purchase.

  • What is the risk of investing with OpenBox?

    The risk of the debentures is tied to Openbox's operations portfolio. We will work with fraud and risk analysis through artificial intelligence platforms and also with a pulverized portfolio of operations, therefore minimizing many risks. Apart from this, unlike other high yield investments, you have liquidity in just 30 days.

  • What is the minimum and maximum value to invest with OpenBox?

    The value of each quota of debentures will be R$ 5,000.00 as an initial minimum investment.

  • How will I know if companies that are using my capital have socio-environmental responsibility?

    In addition to full access to the portfolio of companies and their responsible social and environmental practices, OpenBox will constantly seek the certification of institutions focused on good practices in this area.

  • What is the minimum term that I need to keep the debentures to withdraw my money?

    Our remuneration takes into account a minimum period of 6 months, but with liquidity of 30 days, in other words, you can withdraw your money at any time, which will influence the rate of return applied to your debentures.

  • What do I need to open an account with you?

    We need your registration information, documents and contacts. This way you will qualify to participate in an excellent investment with us.


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