Need Capital

Your project.
The capital to
go further.

From first-day companies to major operations. Organize your capital needs and connect your project with funding sources.

Capital with purpose01 / 06
A new business

Open the doors. Make it happen.

CamilaFlorianópolis, SC
R$25,000project capital
EquipmentR$10,000
Initial inventoryR$6,000
Working capitalR$9,000
A platform for your next step

Capital with context.
Businesses with purpose.

Start, expand, restructure or transform. Purpose guides the conversation.

01

Your business has a purpose.

Describe what you need to achieve, its cost and what changes after execution. A project organizes the capital conversation around the business.

02

Capital can have different sources.

Individuals, companies and institutional participants can have different theses and criteria. Instruments and structures need to fit each case.

03

Information supports assessment.

Present budgets, contracts, metrics and evidence clearly. Each funder performs their own assessment; KEZS assigns no score and promises no approval.

04

Monitoring is part of the plan.

Organize milestones, owners, timing and documents to compare plans with confirmed events.

From capital needs
to monitoring.

01

Define the project

Choose a purpose and describe the intended change.

02

Organize the numbers

Connect budget, cash flow, own funds and capital needs.

03

Prepare assessment

Present evidence and speak with funders.

04

Formalize and monitor

Define applicable rights, stages and responsibilities.

Capital starts with what you want to build

Needing money is the beginning of the conversation. A project explains the problem, chosen solution, use of funds and path to outcomes. It may involve first inventory, industrial expansion, an acquisition or cash-flow recovery. KEZS organizes those needs so capital sources can understand the opportunity, risks and corresponding rights.

The platform considers businesses of different sizes and stages, including from their first day of registration. Size alone determines neither project quality nor capital needs. Examples from R$2,000 to R$20 million show this diversity. Financing depends on assessment, instrument, participants and providers suited to the transaction.

Choose the economic relationship before discussing instalments

Debt, receivables and equity are not interchangeable commitments. A loan creates repayment obligations under its contract. Receivables transactions need identifiable rights and checks of ownership, validity, encumbrances and assignment terms. Equity and conversion involve rights, dilution, governance and exit. The choice should respect the business’s legal form and the parties’ objectives.

A MEI cannot admit an equity partner while retaining that status. A limited company may explore equity or conversion under an appropriate structure and acts. A nonprofit must distinguish donations, sponsorship, grants and any debt without offering corporate equity. A product’s commercial name does not replace legal assessment or determine required authorizations.

Budget and timing need to connect

Separate project cost from financing needs. Own cash, supplier terms or staged execution may cover part of the investment. Capital sought should reflect the lowest cash-calendar balance, a justified reserve and instrument costs. Underfunding may interrupt execution; requesting more without purpose increases commitments and complicates assessment.

Show when cash leaves and when it may return. Forecast sales are not existing receivables, revenue is not profit and committed balances are not freely available cash. Include essential expenses, taxes, existing obligations and adaptation time. Identify decisions protecting the business during delays and costs that continue regardless.

Prepare evidence answering the important questions

Entrepreneurs choose information and documents explaining the project, subject to transaction requirements and participant rights. Verifiable quotations, consistent statements, contracts, orders, team experience and operating metrics help qualify the conversation. The goal is better understanding, not an appearance of certainty.

Investors and funders conduct their own due diligence and make contribution decisions. KEZS does not create a credit score or certify a project as safe. Information gaps should remain visible. Share data only with authorized parties, preserve versions and confirm document needs before exposing customer or employee information.

Clear terms for building and monitoring

A strong presentation should lead to an understandable instrument. Identify parties, amount, currency, costs, remuneration, term, obligations, authority, release conditions, any collateral and procedures for changes or default. Understanding obligations before acceptance is part of planning, including when solving an urgent cash need.

The architecture connects planning, documentation, traceability and responsible-provider services. An account interface does not make KEZS a bank. Financial confirmations, reconciliation and project positions should match actual events. Smart contracts automate rules under code and event sources but do not guarantee business revenue or repayment.

Present the project and build a responsible conversation

Define public information and material restricted to authorized invitees. A presentation may highlight purpose, budget and stages while sensitive documents remain private. Invitations and distribution need consent, confidentiality and applicable instrument rules. Organizing a pool does not automatically create an investment fund or authorization for public fundraising.

Keep negotiations tied to the project version. Record questions, update changing assumptions and preserve required acceptances. Interest is not an investment commitment. Meetings, sharing or registration do not replace funder assessment or transaction documents. Every participant’s responsibility should remain clear throughout the journey.

01 / Your purpose

Starting a new business?

An entrepreneur wants to open a small production kitchen. She has tested the menu with customers but needs to turn occasional orders into a repeatable operation. The project separates premises adaptation, utensils, opening inventory and cash until sales cover expenses. Opening depends on unit economics and realistic delivery capacity as well as enthusiasm for the idea.

The starting point for “Start a new business” is to validate demand before committing to fixed expenses. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Contribution margin per sale
  • Paid orders per week
  • Months until cash break-even
What to discuss
  • Initial sales below what interviews suggested
  • Permits and setup delaying opening
  • Mixing personal spending with business cash
02 / Your purpose

Expanding your business?

A repair shop already serves customers and wants a second service station. Its owner knows the market but must show which orders are being turned away and how much contribution the extra capacity adds. The budget includes tools, recruitment, training and cash during adaptation. Expansion must distinguish revenue growth from improving the cash available to meet obligations.

The starting point for “Expand my business” is to demonstrate incremental growth without weakening current operations. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Additional capacity actually sold
  • Incremental expansion margin
  • Investment payback period
What to discuss
  • Moving existing customers without adding revenue
  • Fixed expenses growing before sales
  • Quality declining as volume increases
03 / Your purpose

Repaying company debt?

A business has accumulated expensive debt with instalments due before customer receipts. It wants to reorganize timing and cost without hiding existing obligations. The project lists creditors, settlement balances, charges, collateral and discounts actually offered. A proposal makes sense when it improves the ability to meet the whole plan, rather than replacing one visible instalment with a longer and more expensive agreement.

The starting point for “Repay company debt” is to compare total cost and timing before and after restructuring. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Total cost of remaining obligations
  • Monthly cash committed to debt
  • Obligations settled with evidence
What to discuss
  • Extending the term while greatly increasing total cost
  • Paying one creditor while excluding another
  • Assuming an unconfirmed discount
04 / Your purpose

Addressing cash-flow needs?

A small distributor pays suppliers in thirty days and collects from customers in sixty. Sales earn a margin, but timing creates a cash gap between purchasing and collection. The project identifies the lowest daily balance, existing receivables and unavoidable outflows. Capital should cover a demonstrable interval alongside changes in terms, collections and inventory that reduce dependence on repeated borrowing.

The starting point for “Address cash-flow needs” is to finance a timing gap while correcting its cause. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Lowest projected weekly balance
  • Average collection period
  • Operating cash generation
What to discuss
  • Funding recurring losses as if they were seasonality
  • Receivables being late or already pledged
  • New borrowing increasing next month’s deficit
05 / Your purpose

Funding a nonprofit project?

A nonprofit plans vocational workshops for a community. Its plan identifies beneficiaries, selection, staff, materials, transport and evidence of delivery. The requested amount funds activities and verifiable outcomes with oversight of expenditure. A nonprofit does not sell corporate equity: donations, sponsorships, grants or any borrowing must fit its legal nature, governing documents and the instrument’s terms.

The starting point for “Fund a nonprofit project” is to connect every disbursement to an activity and accountable reporting. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Participants completing training
  • Cost per participant served
  • Activities evidenced on schedule
What to discuss
  • Promising impact without a measurement method
  • Spending outside the instrument’s purpose
  • Improper disclosure of beneficiary data
06 / Your purpose

Buying machinery or equipment?

A woodworking business needs a machine to reduce rework and increase deliveries. Its advertised price is not the full cost: transport, electrical installation, training, insurance and maintenance also matter. The project compares purchase, lease and outsourcing. The machine only improves cash when demand, trained staff and sufficient margin support the new operating and financing commitments.

The starting point for “Buy machinery and equipment” is to assess installed cost, utilization and productivity gains. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Productive hours per month
  • Reduction in waste or rework
  • Additional margin after maintenance
What to discuss
  • Equipment incompatible with the premises
  • Idle capacity from insufficient orders
  • Downtime and parts exceeding budget
07 / Your purpose

Building inventory?

A retailer is preparing for a busy season. It wants to purchase inventory early but must distinguish fast-moving products from slow stock. The plan organizes purchases by category, margin, sales timing, exchange options and shelf life. The capital request considers the time until cash returns and protects a buffer for discounts, returns and below-plan sales.

The starting point for “Build inventory” is to finance healthy turnover rather than accumulate unsold goods. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Inventory days by category
  • Margin after discounts and losses
  • Share sold before the financing due date
What to discuss
  • Buying for a discount without enough demand
  • Expiry, fashion or obsolescence reducing value
  • Duplicate replenishment and inaccurate counts
08 / Your purpose

Fulfilling contracts and orders?

A service business has won a larger contract with payment after delivery and acceptance. It must first buy materials and pay staff. The project links each outflow to the schedule and the conditions for invoicing and collection. A signed contract is not available cash: cancellation, progress certification, retention, quality and acceptance timing may change net receipts and dates.

The starting point for “Fulfil contracts and orders” is to finance delivery of a sale with verifiable margin and conditions. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Net contract margin
  • Milestones accepted by the customer
  • Days between outflow and collection
What to discuss
  • Delivery failing acceptance criteria
  • Customer retaining funds or changing scope
  • An unearned receivable treated as certain
09 / Your purpose

Launching a product or service?

A company wants to launch a recurring service for an audience it already serves. Its project separates discovery, prototype, pilot and scale. Initial capital can prove that customers pay, use the service and stay rather than finance every ambition. The budget includes support, customer acquisition and fixes as well as development. Expected recurring revenue remains an estimate with visible cancellation and delay assumptions.

The starting point for “Launch a product or service” is to validate willingness to pay before scaling spending. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Paying customers and retention
  • Customer acquisition cost
  • Margin per product or subscription
What to discuss
  • Stated interest not converting into payment
  • Scope growing without testing value
  • Support cost eliminating margin
10 / Your purpose

Digitizing your business?

A company tracks orders in spreadsheets and wants to connect sales, inventory and finance. Its project starts with the process causing losses, not a software purchase. Migration, data cleaning, training, security and support are budgeted. Results are measured through fewer errors, time saved and reliable information rather than treating a software licence as an automatic productivity promise.

The starting point for “Digitize and modernize the business” is to change processes and measure benefits as well as buying technology. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Time to process an order
  • Inventory or billing errors
  • Total monthly solution cost
What to discuss
  • Migrating inconsistent data into the new system
  • Staff not adopting the process
  • Supplier dependence without an exit plan
11 / Your purpose

Acquiring a business?

A company is considering buying a complementary operation. Price is only part of the project: due diligence, liabilities, working capital and integration also matter. Buying shares and buying assets have different consequences. The plan identifies what is acquired, who decides, required consents and the cash needed after completion. Synergies need costs, timing and accountable owners rather than being assumed benefits.

The starting point for “Acquire a business or assets” is to assess what is being bought and protect integration cash. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Normalized target operating cash
  • Liabilities identified and addressed
  • Customer retention after integration
What to discuss
  • Hidden liabilities and unassessed contingencies
  • Customers or staff leaving
  • Synergies taking longer and consuming more cash
12 / Your purpose

Improving your infrastructure?

A business needs to adapt its premises to improve production and service. Works must consider technical design, permissions, safety and reduced operating capacity during construction. The budget separates permanent improvements, maintenance and disruption cost. The plan also checks lease permissions and ownership of improvements so that financing does not outlast the right to use the premises.

The starting point for “Invest in infrastructure and facilities” is to deliver improvements with scope control and business continuity. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Stages completed and accepted
  • Variance between budget and actual cost
  • Days of operational disruption
What to discuss
  • Extra works without budget approval
  • Disruption affecting sales and deliveries
  • Premises or lease not permitting the works
13 / Your purpose

Exporting or entering new markets?

A company wants to sell in a new country. Its project separates a market test from a permanent presence and considers adaptation, logistics, taxes, foreign exchange and support. Foreign-currency revenue does not eliminate domestic costs or collection risk. The plan identifies buyers, product requirements and how funds move through each stage, with competent professionals and providers for the specific transaction.

The starting point for “Export and enter new markets” is to validate the market and delivered cost before committing to major expansion. Describe today’s situation, the desired change and when it will be assessed. “I need money” does not explain how funds will be used; a plan connecting amount, timing and delivery allows a more useful conversation with someone assessing the business.

KEZS organizes funding around projects. Businesses explain their needs, participants assess information, and each instrument identifies rights and obligations. Companies of every size can organize a need, including a business on its first day of registration. A short history changes the evidence available; it does not make approval an automatic consequence of registration.

Identify the project owner and who has authority to contract for the organization. A trade name, brand or registration number does not replace checking representatives. Where several people are involved, record who prepares information, approves changes and monitors delivery so that decisions have identifiable owners.

What to demonstrate
  • Margin after logistics, fees and exchange
  • Repeat customers in the new market
  • End-to-end collection period
What to discuss
  • Price not covering delivered cost
  • Exchange-rate changes reducing margin
  • Technical requirements preventing sales

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