A consortium is a way to acquire goods or services through a group of people who contribute monthly to form a common fund .Each month, some participants are selected through a draw or bidding process and receive a credit voucher to make a purchase, according to the group's rules.

A letter of credit is the amount of money available for the purchase of goods, according to the contract made with the administrator.

A group is a de facto society formed by consortium members brought together by the administrator for the purposes established by the consortium, namely, the acquisition of movable or immovable property through self-financing, with a pre-established term of duration, which will end when its objectives are fully met.

A bid is an amount offered by the client with the intention of expediting their selection. All consortium members who are up-to-date with their monthly payments can make bids, according to the characteristics of the group they participate in. Bids are divided into the following categories: Free, Limited, Retained, Fixed, and Loyalty.

A quota is the identification number of each participating member in the Group.

It is possible to acquire virtually any asset, whether manufactured domestically or abroad, as HS Consórcios offers credit letters of varying values for the purchase of automobiles, motorcycles, real estate, trucks, agricultural and nautical machinery, or solar energy panels.