Mutual helps people invest in Brazil's credit market through a digital platform on their phones. Its investment model uses loan shares, with several credit categories available rather than a single type of financing. Alongside access to these investments, the platform manages collection tasks on behalf of investors.

Loan shares across several credit categories

The available investment categories include credit for individuals and companies, recurring credit, and solar energy financing. These options provide different ways to allocate money within credit investments. The description also notes that the investment arrangements have different levels of guarantees, so the categories should not be treated as having identical terms or protections.

Registration and investment selection

The supplied getting-started process begins with installing the app and completing registration. After registering, investors can explore the available options and choose investments that fit their financial goals. This places account setup and investment selection within the app's phone-based experience.

Collection support for investors

Mutual's role extends beyond making investments available. The platform handles the collection process, including issuing invoices and carrying out extrajudicial collection. Legal collection matters receive internal analysis, with action taken at the investor's request. That distinction is relevant when understanding which collection activities the platform handles and when investor involvement is required.

Risk remains part of the investment

The description explicitly characterizes these investments as risky and intended for investors with an appetite for risk. The variety of credit categories and differing guarantees should therefore be considered alongside that warning, rather than understood as assurances of predictable returns or financial security.