FIDCs increase financing options

In a feature published by Valor Econômico, our professionals discuss the growing use of Receivables Investment Funds (Fundos de Investimento em Direitos Creditórios – FIDCs) as an alternative financing solution for companies amid tighter credit conditions, elevated interest rates, and increasing demand for more flexible funding structures.

The expansion of FIDCs underscores the growing role of the capital markets and structured finance in diversifying funding sources, enabling companies to convert receivables into liquidity, enhance their investment capacity, and reduce their reliance on traditional bank lending.

For companies, investors, fintechs, financial institutions, and asset managers, this trend requires attention not only from a financial perspective but also from legal and regulatory standpoints. The structuring of FIDCs involves robust governance, risk assessment, receivables quality, transparency of information, investor protection, and compliance with the regulations issued by the Brazilian Securities and Exchange Commission (CVM).