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Driving the New Economy

Driving the New Economy

Driving the New Economy

Access to credit as a lever for social and environmental transformation.

Access to credit as a lever for social and environmental transformation.

Access to credit as a lever for social and environmental transformation.

The Power of Catalytic Credit

The Power of Catalytic Credit

No Impact not a Bank, acreditamos que o acesso a crédito é uma ferramenta fundamental para impulsionar a autonomia e promover inovação sustentável, especialmente para cooperativas envolvidas com a sociobiodiversidade. Estruturamos programas de crédito versáteis que servem aos setores de sociobio, energia renovável, habitacional, entre outros, sempre visando o menor risco e o maior impacto social e ambiental.

No Impact not a Bank, acreditamos que o acesso a crédito é uma ferramenta fundamental para impulsionar a autonomia e promover inovação sustentável, especialmente para cooperativas envolvidas com a sociobiodiversidade. Estruturamos programas de crédito versáteis que servem aos setores de sociobio, energia renovável, habitacional, entre outros, sempre visando o menor risco e o maior impacto social e ambiental.

FEATURES

Our Credit Service

Our Credit Service

Blended Finance

Blended Finance

We combine commercial and catalytic capital to create low-risk operations, increase credit effectiveness, and reduce financial costs for the beneficiaries.

Financial Technical Support

Financial Technical Support

We offer support and financial guidance to ensure that borrowers use the resources in the most effective way possible.

Interest Subsidy

Interest Subsidy

We work to offer the best interest rate conditions, reaching even negative interest rates to maximize the social impact of investments.

Revolving Credit Funds

Revolving Credit Funds

Created with 100% donation capital, these funds allow money to be lent multiple times, expanding the reach of the initial donation impact.

Private Debenture Issuance in the Amazon

Private Debenture Issuance in the Amazon

Our securitizer in the Amazon allows for reducing operational costs, ensuring greater efficiency and lower credit costs.

How to get started

1

Consult with a Credit Specialist

Consult with a Credit Specialist

Our experts will help define the ideal structure of your credit program.

Our experts will help define the ideal structure of your credit program.

2

Implementation

Implementation

After defining the strategy, we implement the program, ensuring all the necessary support for success.

After defining the strategy, we implement the program, ensuring all the necessary support for success.

3

Monitoring and Adjustments

Monitoring and Adjustments

We continue to monitor the projects to ensure effectiveness and make adjustments when necessary.

We continue to monitor the projects to ensure effectiveness and make adjustments when necessary.

TESTIMONIALS

Partner Testimonials

Partner Testimonials

What our partners are saying about working with Impact not a Bank? Read below some testimonials from organizations that are making a difference with our help.

  • Fábio Barbosa

    Senior Counselor

    “I collaborate with the Impact not a Bank strategy because I believe it is essential to accelerate financial technology and impact management initiatives to scale the solutions we need for a fairer and regenerative world”

  • Livia Prestes

    Spokesperson of Rede Maniva in Maués

    "We sent the minimum necessary documentation and the credit was approved. We even received international money, everything was very easy."

  • Claus Reiner

    Country Director of the International Fund for Agricultural Development (IFAD)

    "I consider Impact not a Bank's work exemplary and with great potential in financing high social and environmental yield investments, in addition to financial income."

  • Anne Rammi

    Communications and Community Head - Be The Earth Foundation - UK • BR • ZA

    "A strategic partner and a great ally for our programs and projects on Brazilian soil. Impact offered solutions for agile and streamlined international transactions."

  • Julius Caesar

    Founder and President of the social business JCRE Facilitator - Jacarézinho - RJ

    "A platform that understands what Impact is, knows that facilitating the peripheral collectives in the North Zone of Rio de Janeiro means bringing transformation and innovation to the Jacarezinho favela."

  • Devam Bhaskar

    Executive Director Alok Institute

    “Many banks talk about financing sustainable development, but is it really? The Impact Bank is a new and true reference.”

  • Alexandra Schwarz-Schilling

    Founder & Chairwoman - Living Gaia Association

    "Since we started our partnership with Impact not a Bank, the agility and transparency in international transactions have increased significantly. Now, we can access more resources with the best exchange rates, allowing us to expand our projects in Brazil."

  • Fábio Barbosa

    Senior Counselor

    “I collaborate with the Impact not a Bank strategy because I believe it is essential to accelerate financial technology and impact management initiatives to scale the solutions we need for a fairer and regenerative world”

  • Livia Prestes

    Spokesperson of Rede Maniva in Maués

    "We sent the minimum necessary documentation and the credit was approved. We even received international money, everything was very easy."

  • Claus Reiner

    Country Director of the International Fund for Agricultural Development (IFAD)

    "I consider Impact not a Bank's work exemplary and with great potential in financing high social and environmental yield investments, in addition to financial income."

  • Anne Rammi

    Communications and Community Head - Be The Earth Foundation - UK • BR • ZA

    "A strategic partner and a great ally for our programs and projects on Brazilian soil. Impact offered solutions for agile and streamlined international transactions."

  • Julius Caesar

    Founder and President of the social business JCRE Facilitator - Jacarézinho - RJ

    "A platform that understands what Impact is, knows that facilitating the peripheral collectives in the North Zone of Rio de Janeiro means bringing transformation and innovation to the Jacarezinho favela."

  • Devam Bhaskar

    Executive Director Alok Institute

    “Many banks talk about financing sustainable development, but is it really? The Impact Bank is a new and true reference.”

  • Alexandra Schwarz-Schilling

    Founder & Chairwoman - Living Gaia Association

    "Since we started our partnership with Impact not a Bank, the agility and transparency in international transactions have increased significantly. Now, we can access more resources with the best exchange rates, allowing us to expand our projects in Brazil."

Frequently Asked Questions

What is catalytic credit?

It is a type of credit that combines different sources of capital to create low-risk, high-impact solutions, subsidizing part of the interest and providing social and environmental improvements.

What is catalytic credit?

It is a type of credit that combines different sources of capital to create low-risk, high-impact solutions, subsidizing part of the interest and providing social and environmental improvements.

What is catalytic credit?

It is a type of credit that combines different sources of capital to create low-risk, high-impact solutions, subsidizing part of the interest and providing social and environmental improvements.

How can I qualify my organization for access to catalytic credit?

How can I qualify my organization for access to catalytic credit?

How can I qualify my organization for access to catalytic credit?

What are the advantages of blended finance?

What are the advantages of blended finance?

What are the advantages of blended finance?

How do revolving credit funds work?

How do revolving credit funds work?

How do revolving credit funds work?

What guarantees are necessary to obtain credit?

What guarantees are necessary to obtain credit?

What guarantees are necessary to obtain credit?

Which sectors can benefit from catalytic credit?

Which sectors can benefit from catalytic credit?

Which sectors can benefit from catalytic credit?

Ready to Transform the Impact of Your Organization with Catalytic Credit?

Ready to Transform the Impact of Your Organization with Catalytic Credit?

Open your account now

Open your account now

Award

Our seals

Certification

Impact not a Bank Payments SA, registered under CNPJ/MF, under no. 40,059,045/0001-56, is not a financial institution and does not directly carry out credit operations. It acts as a payment institution, governed by Law No. 12,865, of October 9, 2013, and regulated by Circular of the Central Bank of Brazil (“Bacen”) No. 3,885, of March 26, 2018, and as a banking correspondent under the terms of art. 2, of CMN Resolution 3,954, of February 24, 2011 (“Resolution 4,656/2018). Impact Bank enables services for buying, selling, and moving funds, within a payment arrangement, and operates as an authorized exchange correspondent by the Central Bank of Brazil of eFX Corretora de Câmbio Ltda., CNPJ 94,968,518/0001-67, headquartered at Avenida São Luis, 192, sobreloja 25, República, Centro, CEP 01046-913, São Paulo-SP, phone (11) 3156-2166, ombudsman 0800 770 5422 | ombudsman@efxcambio.com.br to facilitate the process of buying and selling foreign currency ("Impact Bank Exchange"). Some services provided, such as transferring funds from Impact Bank payment accounts to other banks, are carried out through partnerships with financial institutions duly authorized by Bacen. The Impact Bank Investment Platform is developed by Órama Distribuidora de Títulos e Valores Mobiliários S.A. ("Órama"), an institution integrated into the securities distribution system duly established and operational in Brazil, duly authorized to operate by the Central Bank of Brazil ("BACEN") and by the Securities and Exchange Commission ("CVM"). Órama is responsible for the distribution of investment products. All operations carried out on the Impact Bank Investment Platform are executed and monitored through Órama's control systems. Impact Bank is not authorized to provide any activity related to the distribution of investments provided for in a specific norm and regulated by a regulating body, including, but not limited to, activities regulated by CVM under the terms of CVM Resolution No. 19, of February 25, 2021, which deals with the activity of securities consultancy; CVM Resolution No. 16, of February 9, 2021, which deals with the activity of independent investment agent; CVM Resolution No. 21, of February 25, 2021, relating to the activity of managing a portfolio of securities; and CVM Resolution No. 20, of February 25, 2021, which deals with the activity of securities analyst. Before making any investment decision, the investor must analyze if the investment product is compatible with their profile and contact their securities intermediary and/or investment advisor.

© 2024 Impact not a Bank. All rights reserved.

Award

Our seals

Certification

Impact not a Bank Payments SA, registered under CNPJ/MF, under no. 40,059,045/0001-56, is not a financial institution and does not directly carry out credit operations. It acts as a payment institution, governed by Law No. 12,865, of October 9, 2013, and regulated by Circular of the Central Bank of Brazil (“Bacen”) No. 3,885, of March 26, 2018, and as a banking correspondent under the terms of art. 2, of CMN Resolution 3,954, of February 24, 2011 (“Resolution 4,656/2018). Impact Bank enables services for buying, selling, and moving funds, within a payment arrangement, and operates as an authorized exchange correspondent by the Central Bank of Brazil of eFX Corretora de Câmbio Ltda., CNPJ 94,968,518/0001-67, headquartered at Avenida São Luis, 192, sobreloja 25, República, Centro, CEP 01046-913, São Paulo-SP, phone (11) 3156-2166, ombudsman 0800 770 5422 | ombudsman@efxcambio.com.br to facilitate the process of buying and selling foreign currency ("Impact Bank Exchange"). Some services provided, such as transferring funds from Impact Bank payment accounts to other banks, are carried out through partnerships with financial institutions duly authorized by Bacen. The Impact Bank Investment Platform is developed by Órama Distribuidora de Títulos e Valores Mobiliários S.A. ("Órama"), an institution integrated into the securities distribution system duly established and operational in Brazil, duly authorized to operate by the Central Bank of Brazil ("BACEN") and by the Securities and Exchange Commission ("CVM"). Órama is responsible for the distribution of investment products. All operations carried out on the Impact Bank Investment Platform are executed and monitored through Órama's control systems. Impact Bank is not authorized to provide any activity related to the distribution of investments provided for in a specific norm and regulated by a regulating body, including, but not limited to, activities regulated by CVM under the terms of CVM Resolution No. 19, of February 25, 2021, which deals with the activity of securities consultancy; CVM Resolution No. 16, of February 9, 2021, which deals with the activity of independent investment agent; CVM Resolution No. 21, of February 25, 2021, relating to the activity of managing a portfolio of securities; and CVM Resolution No. 20, of February 25, 2021, which deals with the activity of securities analyst. Before making any investment decision, the investor must analyze if the investment product is compatible with their profile and contact their securities intermediary and/or investment advisor.

© 2024 Impact not a Bank. All rights reserved.

Award

Our seals

Certification

Impact not a Bank Payments SA, registered under CNPJ/MF, under no. 40,059,045/0001-56, is not a financial institution and does not directly carry out credit operations. It acts as a payment institution, governed by Law No. 12,865, of October 9, 2013, and regulated by Circular of the Central Bank of Brazil (“Bacen”) No. 3,885, of March 26, 2018, and as a banking correspondent under the terms of art. 2, of CMN Resolution 3,954, of February 24, 2011 (“Resolution 4,656/2018). Impact Bank enables services for buying, selling, and moving funds, within a payment arrangement, and operates as an authorized exchange correspondent by the Central Bank of Brazil of eFX Corretora de Câmbio Ltda., CNPJ 94,968,518/0001-67, headquartered at Avenida São Luis, 192, sobreloja 25, República, Centro, CEP 01046-913, São Paulo-SP, phone (11) 3156-2166, ombudsman 0800 770 5422 | ombudsman@efxcambio.com.br to facilitate the process of buying and selling foreign currency ("Impact Bank Exchange"). Some services provided, such as transferring funds from Impact Bank payment accounts to other banks, are carried out through partnerships with financial institutions duly authorized by Bacen. The Impact Bank Investment Platform is developed by Órama Distribuidora de Títulos e Valores Mobiliários S.A. ("Órama"), an institution integrated into the securities distribution system duly established and operational in Brazil, duly authorized to operate by the Central Bank of Brazil ("BACEN") and by the Securities and Exchange Commission ("CVM"). Órama is responsible for the distribution of investment products. All operations carried out on the Impact Bank Investment Platform are executed and monitored through Órama's control systems. Impact Bank is not authorized to provide any activity related to the distribution of investments provided for in a specific norm and regulated by a regulating body, including, but not limited to, activities regulated by CVM under the terms of CVM Resolution No. 19, of February 25, 2021, which deals with the activity of securities consultancy; CVM Resolution No. 16, of February 9, 2021, which deals with the activity of independent investment agent; CVM Resolution No. 21, of February 25, 2021, relating to the activity of managing a portfolio of securities; and CVM Resolution No. 20, of February 25, 2021, which deals with the activity of securities analyst. Before making any investment decision, the investor must analyze if the investment product is compatible with their profile and contact their securities intermediary and/or investment advisor.

© 2024 Impact not a Bank. All rights reserved.