See how consortium can transform your wealth.
A smart credit option with no interest and clear planning. Find out why more and more people choose consortium as a wealth strategy.
What is consortium?
Consortium is a collective credit model where a group of people join to acquire goods or services. Everyone pays a monthly installment and, over the term, each participant is contemplated — by draw or bid — to use their credit certificate.
Unlike financing, consortium has no interest. You only pay the administrator's fee, reserve fund and insurance — much lower than traditional financing interest.
At Atrium, we work with HS consortiums, one of the most solid administrators in the market, with a full portfolio of credit certificates.
Consortium vs. Financing
| Criteria | Consortium | Financing |
|---|---|---|
| Interest | No interest | High interest (APR) |
| Down payment | Not required | Usually required |
| Total cost | Much lower | Significantly higher |
| Immediate access | Contemplation (draw/bid) | Immediate |
| Negotiating power | Cash purchase | Financed |
| Flexibility | High — various terms | Limited |
Why choose consortium?
No interest
You only pay the administration fee, much lower than financing interest.
Flexibility
Choose the credit certificate value and term that fit your budget.
No down payment required
You don't need a down payment to join a consortium.
Cash purchasing power
Once contemplated, you buy as if paying cash — greater negotiating power.
Wealth planning
Ideal for those with time to plan and want to build wealth wisely.
Multiple options
Real estate, vehicles, services — a solution for every goal.
Ready to simulate your consortium?
Find out how much you would pay per month and the best term for your goal.