Nipoflex

Nipoflex is the perfect solution for those working with FGTS anniversary withdrawal advances. Created to provide greater agility, autonomy, and scale, the platform simplifies the entire sales process quickly and efficiently, directly on your cell phone.

Sales in Three Simple Steps:
• Simulation: Enter the customer's CPF (Individual Taxpayer Registry) and view the amount available for advance payment.
• Proposal: Choose the best option, fill in the details, and submit the proposal in just a few clicks.
• Formalization and Payment: After approval, the contract is finalized and the funds are released within minutes.
• Instant Commissions: Receive commissions instantly, directly in the app—no waiting, no intermediaries, and with complete autonomy.

Check out Nipoflex's credit solutions:
1. FGTS Loan (Anniversary Withdrawal) Ideal for those with FGTS balances and who opt for the Anniversary Withdrawal. The amount is deducted annually directly from the FGTS, without compromising your monthly income.
• Advance up to 12 installments of the anniversary withdrawal.
• Loans starting at R$20.00.
• Possibility of obtaining a loan even with a negative credit history.

Rates and simulation examples:
Anniversary Withdrawal (FGTS Loan)
• Monthly rate: 1.79% per month
• Annual rate: 23.73% per year
• Minimum APR: 1.39% per month
• Maximum APR: 2.08% per month (up to 27.98% per year).
• Maximum Annual Percentage Rate (APR): 27.98%.
• Possibility of early repayment.
• Minimum repayment term: 12 months (1 year)
• Maximum repayment term: 144 months (12 years)

Example:
R$1,713.26 to be paid in 5 years (60 months) - with an interest rate of 1.80% per month and an APR of 1.97%, with a final payment of R$2,450.22.

- Installment 1 | Due: 10/01/2025 | Installment Amount: R$928.06 | Principal Amount: R$735.38 | Interest Amount: R$192.68.
• Installment 2 | Due: 10/01/2026 | Installment Amount: R$649.64 | Principal Amount: R$404.73 | Interest Amount: R$244.91.
• Installment 3 | Due: 10/01/2027 | Installment Amount: R$454.75 | Principal Amount: R$306.45 | Interest Amount: R$148.30.
• Installment 4 | Due: 10/01/2028 | Installment Amount: R$274.44 | Principal Amount: R$199.07 | Interest Amount: R$75.37.
• Installment 5 | Due: 10/1/2029 | Installment Amount: R$143.33 | Principal Amount: R$115.70 | Interest Amount: R$27.63.

Security and Transparency:
Nipoflex is regulated by the Central Bank of Brazil and acts as a banking correspondent for Q.I. SOCIEDADE DE CRËDITO S.A., SINGULARE CORRETORA DE TÍTULOS MOBILIÁRIOS S.A.
User data is processed in accordance with our Privacy Policy, in compliance with the LGPD, and is used exclusively for credit analysis, proposal formalization, and communication.

Learn about our terms and conditions of use:
Terms and conditions of use: https://nipoflex.startcapital.app/policy

Nipoflex – CNPJ: 12.892.294/0001-92
Address:
Avenida Nelson Spielmann, 231, até 320/321, Marília, Marília/SP, Zip Code 17509-053.
Email: candidomota.nipoflex@hotmail.com
Phone: +55 (18) 99779-3298

About Start Capital:
Start Capital is the technology company behind the white label solution used by Nipoflex. Specializing in platforms for the financial market, Start develops robust, secure, and scalable systems that help its partners operate with their own brand, efficiency, and complete freedom.

With a complete, 100% digital app customizable with your brand, you can offer a professional and agile experience to your clients and consultants. Start's mission is to empower businesses seeking growth with cutting-edge technology.