Own Assets Without Interest.
Not a Loan. Not a Savings Club. A Model with 60+ Years of History.
The Brazilian consorcio model, regulated by the Central Bank of Brazil for 60+ years, rebuilt for the United States as a Structured as a Delaware Limited Partnership and offered under applicable U.S. securities laws. One fixed administrative fee. Zero interest. Funds held in FDIC-insured accounts at leading U.S. banks.
High Interest Rates Are Not Going Away. And the System Offers No Alternative.
The Federal Reserve has kept rates elevated for over three years in response to persistent inflation. Mortgage rates followed. Home prices did not fall. The result: millions of peoples are permanently locked out of ownership not by choice, but by a financing system that has no solution to offer when interest rates stay high. NWX Consorcio was built precisely for this environment. A model where interest was never part of the equation.
Federal Funds Rate vs. Inflation (CPI), 2022 to 2026
The Fed has cut rates, but inflation remains above its 2% target and mortgage rates remain near historic highs. There is no clear timeline for relief. Source: Federal Reserve, U.S. Bureau of Labor Statistics, April 2026
In this environment, a model without interest is not just attractive. It is structurally superior.
Three years ago, a $400K mortgage cost $1,686/month. At today's rates, the same mortgage costs $2,726/month a $1,040 monthly increase driven entirely by interest. Over 30 years, that is $559,000 in interest payments on a $400K loan. NWX charges a single fixed administrative fee. No interest. Ever. Source: Freddie Mac Primary Mortgage Market Survey, 2026.
Persistent inflation above the Fed's 2% target means rates stay high and stay high longer. For the 47% of Americans with subprime or limited credit profiles, this is not a temporary problem. It is a permanent barrier. NWX Consorcio requires no minimum credit score and accepts Passport, ITIN, or LLC documentation. Source: BLS, March 2026; CFPB/Experian 2023.
High rates did not reduce home prices. The average U.S. home down payment reached $88,000 in 2023 while monthly payments grew by over $1,000. The traditional path to ownership now requires more cash up front and more interest over time, simultaneously. NWX operates on a monthly contribution model. No lump sum. No down payment. No interest accumulating daily. Source: NAR 2023 Home Buyers Report.
This problem has a proven solution. It just did not exist in the United States until now.
In Brazil, the consorcio model was built in the 1960s as a direct response to high interest rates and limited credit access. Today, it is regulated by the Central Bank of Brazil, serves 12.76 million active participants, and has delivered over R$1 trillion in credit letters with zero interest charged, ever.
NWX Consorcio brings that institutional structure to the United States: rebuilt under U.S. law, with funds held in FDIC-insured accounts at leading U.S. banks, Structured under U.S. securities laws governance, and professional fund management through NWX Management LLC.
See How It Works →A Structured Fund. A Proven Process. Zero Interest.
NWX Consorcio is a professionally managed asset acquisition fund, not a savings club, not a loan, not an informal pool. Inspired by the Brazilian consorcio model regulated by the Central Bank of Brazil, participants make structured monthly contributions into a common fund held in FDIC-insured accounts at leading U.S. banks. Each month, one or more participants receive a credit letter to acquire their designated asset with zero interest charged at any point.
Select Your Credit Letter
Choose the asset value you want to acquire from $15K to $500K and the term that fits your budget, from 24 to 360 months. Your total cost is fixed from day one. No surprises.
Make Fixed Monthly Contributions
Pay one fixed monthly amount a flat administrative fee, never interest. Unlike a mortgage, nothing accrues daily against you. Your contributions go directly into a common fund held in FDIC-insured accounts, managed by NWX Management, the fund's professional administrator.
Compete for Early Contemplation (Optional)
Each month, before the group assembly, NWX evaluates all participants using three factors in absolute value: the bid amount offered, payment punctuality history, and seniority in the group. You may accelerate your position by submitting a bid in two forms, or both combined.
Receive Your Credit Letter and Acquire
Your credit letter is issued to acquire any qualifying asset real estate, vehicles, commercial property or other qualifying goods. No bank approval required at the time of contemplation. Your path to ownership was built the moment you joined, not the moment a bank decided you qualified.
What Would You Pay With NWX vs. a Traditional Loan?
Adjust the credit letter value and term to see your fixed NWX cost compared to a traditional mortgage at current market rates. No interest. No hidden fees. One fixed administrative fee known from day one.
Illustrative only. NWX total cost reflects a fixed administrative fee applied to the credit letter value, distributed across the selected term. Traditional Loan and ITIN loan figures are estimated using standard amortization at the indicated APR. Does not account for insurance, property taxes, prepayment, CPI adjustments, or individual credit conditions. Not a guarantee of savings, allocation timing, or contemplation date. Consult the Offering Circular for full program terms.
NWX Consorcio vs. The Alternatives. Side by Side.
Most people face only two paths to asset ownership: a traditional mortgage with strict credit requirements, or high-cost ITIN loans with heavy documentation. NWX Consorcio is a third path structured, interest-free, and built for those the traditional system was never designed to serve. This is not a savings club or informal pool. It is a professionally managed asset acquisition fund with institutional custody and Structured under U.S. securities laws governance.
| Feature | NWX Consorcio | Traditional Mortgage | ITIN Loan | Savings Club / Pool |
|---|---|---|---|---|
| Cost Structure | Fixed 19% administrative fee. Zero interest. | 6.5%–8.0% APR interest | 9.0%–12.0% APR interest | No fee, no protection |
| Credit Requirement | No minimum score. Flexible documentation. | 720+ credit score preferred | Flexible but verification heavy | None, social trust only |
| Down Payment | No traditional down payment. Contribution-based. | 3%–20% required | 15%–30% required | N/A |
| Fund Custody | FDIC-insured accounts at U.S. banks | Bank-held, regulated | Bank-held, regulated | Organizer-held. No protection. |
| Legal Structure | Delaware LP · Structured under U.S. securities laws | Regulated lender | Licensed lender | No legal structure |
| Documentation | Passport / ITIN / LLC / EIN | Full W2 / Tax Returns | Heavy P&L documentation | None |
| Allocation | Monthly assembly · Bid + Punctuality + Seniority | Immediate (30–45 days) | Standard (45–60 days) | Rotation by trust/agreement |
| FICO® Building | Opt-in reporting to all 3 bureaus | Reported to bureaus | Varies by lender | No reporting |
| Insurance | D&O Insurance + 5% Reserve Fund | PMI may apply | Varies | None |
| Audit / Disclosure | Offering Circular · Professional management | Required by law | Required by law | None |
NWX Consorcio is not a savings club, tanda, cundina, or informal pool. It is a professionally managed collective asset fund, inspired by the Brazilian consorcio model, a system regulated by the Central Bank of Brazil for over 60 years, and rebuilt for the United States as a Delaware Limited Partnership with full institutional safeguards.
See Why NWX →Not a ROSCA. Not a Savings Club. Not a Tanda. A Professionally Managed Asset Fund.
If you have participated in a ROSCA, tanda, cundina, or savings pool, you already understand the concept of collective purchasing power. What you may not have had is the legal protection, institutional custody, and professional management that makes the difference between a handshake agreement and a structured fund. NWX Consorcio was built to be exactly that, the institutional version of a model that has worked informally for generations, now rebuilt with every safeguard the U.S. financial system offers.
The informal version
- closeNo legal structure or contract, operates on social trust only
- closeNo custody protection, organizer holds all funds with no oversight
- closeNo insurance, no reserve fund, no default protection
- closeNo reporting to credit bureaus, no FICO benefit
- closeNo audit, no disclosure, no accountability
- closeNo physical presence, no professional management
- closeNo recourse if the organizer disappears
ROSCAs and tandas serve communities worldwide. But when something goes wrong, there is no legal remedy. Participants have lost everything with no recourse.
The proven institutional version, 60+ years
- check_circleRegulated by the Central Bank of Brazil, Law 11.795/2008
- check_circleLicensed administrator a professional fund manager regulated by the Central Bank of Brazil, oversees every group, segregates funds, and is legally accountable to every participant
- check_circleSegregated fund custody, participant funds protected
- check_circleMandatory reserve fund, delinquency protection built in
- check_circleAnnual audit and full financial disclosure required
- check_circle12.76 million active participants in Brazil today
- check_circleR$1 trillion+ in credit letters delivered
The Brazilian consorcio is not an informal pool. It is a regulated financial instrument with over six decades of institutional track record.
The Brazilian model. Rebuilt for the United States.
- check_circleDelaware Limited Partnership · Full contractual governance
- check_circleProfessionally managed by NWX Management, the General Partner of NWX Consorcio, replicating the role of a licensed Brazilian administrator under U.S. law
- check_circleFunds held in segregated FDIC-insured accounts at leading U.S. banks
- check_circleD&O Insurance · 5% Reserve Fund · Default coverage
- check_circleOpt-in FICO® reporting to all 3 major U.S. credit bureaus
- check_circleStructured under U.S. securities laws structure · Regulated offering
- check_circleOffering Circular provided to every participant
- check_circleBacked by NWX Invest, an institutional fund manager with over $500 million in assets under management across multiple funds
- check_circleInspired by and structurally equivalent to the Brazilian administrator model
In Brazil, every consorcio group is required by law to be administered by a licensed administrator, a professional fund manager regulated, audited, and accountable to the Central Bank of Brazil. NWX Management replicates this role in the United States as the General Partner of NWX Consorcio. Backed by NWX Invest, an institutional fund manager with over $500 million in assets under management, NWX Management brings the same professional standards, governance discipline, and fiduciary accountability that Brazilian law has required of administrators for over six decades, now operating under U.S. law, with FDIC-insured custody and Structured under U.S. securities laws structure.
The Evidence Is Not Anecdotal. It Is Institutional. And It Comes From Both Sides of the Border.
The Brazilian consorcio model has been studied and validated by leading academic institutions and U.S. financial authorities, including Princeton University, MIT, the Bank for International Settlements, and the Federal Reserve. The evidence spans six decades, multiple countries, and peer-reviewed publications. This is not a new idea being tested. It is a proven model being formalized.
What Researchers Found
Decades of research. Two continents. One conclusion. The Brazilian consorcio model works, for individuals, for communities, and for economies. U.S. researchers and financial authorities have independently confirmed both the problem it solves and the outcomes it produces. NWX Consorcio brings this validated model to the United States for the first time, structured, regulated, and professionally managed.
What U.S. Authorities Recognize
The problem NWX solves has been formally identified by U.S. financial authorities. Here is what they found.
See the complete research library, including full papers, institutional sources, and the Brazilian regulatory framework.
View All Research →Acquire Assets. Build Credit. At the Same Time.
One of the biggest barriers for people in the U.S. without an established credit history is that building credit requires having credit, a catch-22 that keeps millions locked out of the traditional financial system. NWX Consorcio breaks that cycle. Every monthly contribution you make can be reported, at your option, to all three major U.S. credit bureaus, building your FICO® Score while you work toward asset acquisition. You do not need credit to join. But you will have it when you leave.
Start Where You Are
Enroll with a Passport, ITIN, SSN or EIN. No minimum credit score required. NWX Consorcio accepts flexible documentation, because where you are starting from does not determine where you are going.
Opt In and Let Every Payment Count
Choose to have your monthly NWX contributions reported to all three major U.S. credit bureaus, Equifax, Experian, and TransUnion. Every on-time payment builds your FICO® Score. No additional product. No extra fee. Just your regular contribution, working twice.
Open Doors You Could Not Open Before
As your FICO® Score grows, your access to traditional financial products expands, mortgages, auto loans, business credit lines. NWX Consorcio is not just a path to one asset. It is a foundation for a full financial life in the United States.
Credit Score Progress
Timeline is illustrative. Individual results depend on contribution history, existing credit profile, and bureau reporting cycles. FICO® is a registered trademark of Fair Isaac Corporation.
Why does this matter for people in the U.S. without established credit?
The U.S. credit system is designed for people who already have credit history. For those who arrive without it, or who have been excluded from the traditional banking system, building a FICO® Score from scratch can take years with no clear path forward.
NWX Consorcio creates that path. Your monthly contribution, money you are already committing to asset acquisition, becomes simultaneously a credit-building instrument. Every payment reported is a data point that tells U.S. lenders: this person is reliable, consistent, and financially disciplined.
That is not just a score. That is a reputation. And in the U.S. financial system, reputation is currency.
Ready to start building your U.S. credit history while working toward ownership?
Simulate My Plan →Six Plans. One Fixed Fee. Zero Interest.
NWX Consorcio offers six structured plans, from $15,000 to $500,000, designed for real estate, vehicle, commercial property, and other qualifying goods acquisition. Every plan carries a single fixed administrative fee of 19%, which includes a 5% reserve fund for group protection and 2% for Directors & Officers insurance. No interest. No hidden costs. Your total cost is fixed from the moment you enroll.
verifiedAll plans include: 19% fixed administrative fee · 5% reserve fund · 2% D&O insurance · Zero interest · Zero hidden costs
How the 19% administrative fee is structured: Every NWX Consorcio plan carries a single fixed fee of 19% applied to the credit letter value and distributed across the full term of your plan. This fee is all-inclusive:
No additional fees. No origination charge. No monthly service fee. What you see is what you pay, from day one to the last contribution.
Monthly contribution values and total costs shown are estimates based on the fixed 19% administrative fee distributed across the indicated term. Actual amounts may vary based on group conditions, CPI adjustments, and individual participation terms. Final terms are detailed in the Offering Circular provided to every participant upon enrollment. NWX Consorcio is not a bank. Participation is not a deposit, loan, or investment product.
Not sure which plan is right for you? A free simulation takes less than 2 minutes and shows your exact monthly contribution, total cost, and estimated savings compared to a traditional mortgage or ITIN loan.
We Are Here. In Person. Three Offices. Real Advisors. Real Accountability.
NWX Consorcio is not an app. It is not a website. It is a professionally managed fund with three physical offices across the United States, staffed by advisors who understand your goals and are accountable to you in person. Walk in. Ask anything. We will be here.
Atlanta, Headquarters
Georgia1165 Northchase Pkwy, Ste 470 Marietta, GA 30067
open_in_newOpen in Google Maps →Miami Area
Florida1937 E Atlantic Blvd, Ste 106 Pompano Beach, FL 33060
open_in_newOpen in Google Maps →Your First Step Costs Nothing. And It Could Change Everything.
Tell us what you want to acquire and what you can contribute monthly. We will show you your exact path, total cost, monthly contribution, and how NWX Consorcio compares to a traditional loan or ITIN loan at current market rates. No commitment. No credit check. A specialist will contact you within 24 hours.
By submitting this form, you agree to be contacted by an NWX Consorcio specialist regarding your simulation request. Your information will not be shared with third parties or used for purposes other than your NWX Consorcio inquiry. No spam. No commitment required. NWX Consorcio is not a bank. Participation is not a deposit, loan, or investment product. For full program terms, consult the Offering Circular.