Issuances with defined collateral.

A company milestone

Finadi Capital’s 1st Debenture Issuance marks the company’s entry into the capital markets. R$20 million in 20 series were structured, backed by receivables from payroll-backed credit with security — operations with payroll or account deduction, originated and followed by the Finadi ecosystem.

The collateral

The credit rights linked to the issuance arise from payroll-loan and payroll-backed consumer-credit operations, documented through Bank Credit Notes and acquired from Central Bank–regulated institutions. The indenture sets out, in objective terms:

• eligible credit products;
• eligibility criteria for each operation;
• rules for acquisition, substitution and reconstitution of collateral;
• the issuer’s information duties to noteholders.

Transparency for the noteholder

• Periodic reports on portfolio performance and payment events.
• Collateral sampling, with evidence of documentation of the acquired operations.
• Strict adherence to the indenture, the document that governs all operational and financial terms.

Private distribution

The issuance was made by private placement, exclusively for previously identified investors with a relationship with the company. Issuance terms — yield, tenor, security and risks — appear exclusively in the Indenture and the transaction documents made available to eligible investors.