Brazilians who want to start a small business or already have one can use the Digital Microcredit Streamlining Program for Entrepreneurs (Digital SIM card). Loans of up to 3,000 riyals can be provided through the application. This line from credit Available only to individual entrepreneurs who want to invest or for those who are MEI (Individual micro-entrepreneur). The two groups have slightly different terms, such as fees, interest, and amounts. Check out more information on the topic below!
Read more: Caixa Tem issues loans for negatives and MEIs through SIM Digital
About taking the loan
People with negative names at credit protection agencies, such as SPC and Serasa, can also apply for a digital SIM card service. For this, a debt that does not exceed 3000 riyals is sufficient.
As mentioned earlier, loan terms vary depending on the audience. Check below:
- For individuals: up to one thousand riyals, at an interest rate of 1.95% per month and up to 24 months;
- MEI: Up to 3 thousand riyals, at 1.99% interest per month and up to 24 months for payment.
Contracting the service for each of them
Individuals can apply for loans directly on the Caixa Tem app, without leaving home. Simply download the latest version of the tool and update your data to access all the available services.
Those who are MEI need to attend the actual Caixa branches to hire the service. Thus, at the time of application, you must demonstrate at least 12 months of activity in the CNPJ.
Learn how to update your app and personal data
It is recommended to update information only through the application. To do this, you just need to follow these steps:
1°: First, download the latest version of the application or only update the application if it is already installed.
Second: Then update your data by clicking on the “Update your registration” option.
3°: Update your address if you have moved. It will be necessary to click on the “My address has changed” button, enter the zip code, add the address and follow the “Yes, that’s right”
Fourth: Update your income and assets (report if you have any) and report if you are employed (registered, informal, self-employed) or if you receive government benefits only.
5°: Now report the amount you earn or the approximate value.
Sixth: Also say for how long you have been receiving this income.
7°: Finally, check if all your data is correct.
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