Peak Invest operates a digital platform that serves as a bank correspondent and facilitates peer‑to‑peer lending through its authorized financial institution. The service connects borrowers and lenders, offering loan terms from 2 to 36 months with total effective costs ranging from 2.04% to 14.76% per month. By complying with Brazilian central bank regulations, the platform provides transparent credit options and a dedicated support channel for users.
Funding
$313.6K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Consumers and small businesses in Brazil often lack convenient access to credit products, facing lengthy approval processes and limited options for peer‑to‑peer lending. Traditional banking channels can be cumbersome, and many potential borrowers are underserved by existing financial institutions.
Solution
Peak Invest operates a regulated digital platform that functions as a bank correspondent, partnering with an authorized financial institution to offer credit services under Brazilian law. Through its subsidiary, Peak Sociedade de Empréstimo Entre Pessoas, the company directly intermediates peer‑to‑peer loans, providing borrowers with flexible terms ranging from 2 to 36 months. The platform transparently displays the total effective cost (CET) of each loan, which varies between 2.04% and 14.76% per month, and calculates repayment schedules for users. All interactions are managed online, with a dedicated customer service center (phone and email) to support applicants throughout the process.
Target Audience
The service targets individual borrowers and small enterprises in Brazil seeking short‑ to medium‑term credit, as well as investors looking to fund peer‑to‑peer loans through a regulated platform.
Features
- Digital onboarding and loan application workflow integrated with a licensed bank correspondent framework (Resolution CMN 3.954)
- Direct peer‑to‑peer loan intermediation via an authorized financial institution (Resolution CMN 5159/2024)
- Flexible repayment periods from 2 to 36 months with CET disclosed between 2.04% and 14.76% per month
- Real‑time loan simulation tool showing installment amounts and total repayment based on selected terms and rates
- Secure online document handling and data encryption compliant with Brazilian financial regulations
- Dedicated support channel (0800 000 4251) and email (contato@peakinvest.com.br) for borrower inquiries