Pay in cash to take advantage of discounts or opt for installment? Focus on accelerated growth or sustainable business return? Invest with equity or seek third party resources?
These questions definitely have no simple answers.
In the latest edition of Expert 2025, I had the honor of moderating a panel with big names of entrepreneurship: Fabio Vitola, CEO of Galapos, and Guilherme Benchimol, co -founder and chairman of XP Inc.
What struck me most was the experiences and learning shared by Guilherme, who brought a realistic and deep view of the ups and downs of the entrepreneurial journey. And of course, I couldn’t help but divide with you, readers, some of these valuable insights.
At the last Expert XP 2025 edition, Guilherme Benchimol shared a concept that caught my attention: “Manifesto Luck”.
For him, luck is not something that simply happens, but the result of seeking alternatives in challenges, act with discipline and find a purpose that transforms something greater. It is the combination of courage to face risks, humility to learn from mistakes and strategic vision to use the right tools at the right time.
This manifesto reinforces a truth that every entrepreneur needs to internalize: success is not the work of chance, but of a series of conscious choices and consistent actions.
Incorporating this mindset is fundamental for those who want not only to survive, but thrive in the competitive business environment. And it is exactly this philosophy that guides A, where entrepreneurs have a chance to learn from those who have already triggered this path, turning vision into concrete results – exclusive face -to -face event for only 30 entrepreneurs, which will take place on August 30 and 31, in São Paulo.
Empower in Brazil: a real call
Benchimol opened the panel reinforcing that Brazil is a land for those who want to “make it happen”. The vast demand for solutions in the areas of infrastructure, sanitation and competitiveness generates space for companies that want to impact. “It’s never a straight line. It’s a big zigzag,” he recalls, noting that undertaking is navigating ups and downs, demanding flexibility and humility to maintain the recipe greater than expense-the point where the business actually makes real margin.
He believes that entrepreneurs who think in the long run and act on purpose find here a country full of potential. But warns: “Being ambitious, resilient and focused is fundamental, as emotional skills are often more important than intellectuals to overcome everyday obstacles.”
Uncertainties as a moment of strategic construction
The current economic moment, he said, is a window of opportunity. Benchimol causes: “How can I do more return with less risk and less effort?” The answer lies first seeking the “lowest fruit” – the most affordable and safe opportunities – and then leave for more complex strategies, always one plan at a time.
He points out how consistent companies that grow are composed of ambitious, disciplined and humble teams. Guilherme advises business owners to keep a startup mindset, even with size: quick error tolerant, ready to correct routes, with leaders focused essentially. Evaluating the organogram, teams, managers, their qualities and defects is one of the greatest pains of small and medium enterprises. “Committed people are not always competent people.” Knowing how to set up an aligned team is part of the secret of success.
During the panel, Fabio Vitalo, CEO of Galapos, also highlighted how small and medium -sized companies go through basic pain and shortcomings from accounting organization to careful assessment of suppliers, financiers, partners and customers. “This directly impacts growth and viability of business expansion.” Guilherme has also complemented the importance of being open to the transformation “Entrepreneurial life requires a constant reinvention. Entrepreneurship is to transform. It is often abandoning what you already do very well and put yourself in something you don’t know how to do.”
As a head of business shares XP companies, I commented how much companies also need to be aware of the financial risks involving a business. Today risks such as credit, market and liquidity can have financial solutions that allow small and medium business to turn risks into structured opportunities.
Benchimol also stressed the importance of risky and managing people: “Take risks. If you make a mistake, correct fast and learn fast.” Evaluating the organogram, teams, managers, their qualities and defects is one of the greatest pains of small and medium enterprises. Committed people are not always competent people. ” Knowing how to set up an aligned team is part of the secret of success.
Transforming challenges and uncertainties into real opportunities
Guilherme Benchimol’s trajectory summarizes the principles that guide the immersion from scratch to top Xperience, a partnership XP Enterprises, Infomoney and Galapos: facing purpose, learning with errors, looking at the future with discipline and using financial instruments to strengthen the business.
On August 30 and 31, only 30 entrepreneurs will have the exclusive opportunity to discuss real challenges with renowned market mentors and Benchimol itself.
If you are an entrepreneur or entrepreneur and want to raise your company to a new level, this is the chance to turn vision into action, learning pain and purpose in a solid trajectory, with the support of mentors who experienced this journey in practice.
Remember: change begins with a decision, and transformation is the fundamental step for growth. .
