YT Finanzas

YT Finance is a financial information platform created for transportation, logistics, distribution, and small operators who want to better manage their capital needs.

The application helps users analyze common industry scenarios, such as fuel, vehicle maintenance, working capital, and logistics expansion. Based on basic company information, users can view an informative pre-assessment, consult general suggestions, and better understand which data may be relevant before contacting a financial institution.

Key features:

Selection of a financial scenario based on company needs;

Informative pre-assessment based on operational data;

Visualization of estimated results and general guidance;

Access to information from partner financial institutions;

History of pre-assessments and messages;

Personal profile and company information area.

Informative example of a pre-assessment:

Considering a reference value of R$10,000.00, with a minimum term of 4 monthly installments and a minimum period of 30 days between each payment, the simulation can use as a reference the public fixed rate range informed by Bancolombia S.A. for personal credit / free investment credit.

For demonstrative purposes, using a rate of 2.09% per month, equivalent to approximately 28.15% per year, the estimated result would be:

Reference value: R$10,000.00;

Minimum term: 4 installments;

Minimum period: 30 days;

Interest rate used in the example: 2.09% per month;

Estimated annual effective cost: 28.15% per year;

Estimated value of each installment: R$2,631.94;

Estimated total amount to be paid: R$10,527.76;

Estimated total interest: R$527.76.

This example is for informational purposes only and does not represent an offer, approval, promise of credit, or final contract terms. Final terms may vary according to the financial institution's analysis, applicant profile, submitted documentation, internal policies, taxes, fees, insurance, and other applicable charges.

YT Finance is not a bank, does not grant loans, does not approve applications, does not participate in contracts, and does not release funds. All final terms, analyses, contracts, and financial decisions are the sole responsibility of the corresponding financial institution. The purpose of the application is to provide clear information to assist transportation and logistics companies in organizing their financial needs.