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Discover how BNDES supports individual small business owners with a new line of credit. Special conditions for those wishing to boost their business.

Sustainability and growth of small businesses are essential to any country’s economy. In Brazil, Small Business Owners (MEI) They stand out in this scenario, and contribute significantly to economic development. These professionals, who often start with limited resources, find in National Bank for Economic and Social Development (BNDES) Vital financial support.

at recent days, Bendis Launched a specific credit line for MEI institutions, providing loans of up to 21 thousand Brazilian realsThis initiative aims to facilitate access to credit, promote the development of microenterprises and allow these entrepreneurs to invest in their businesses. Under attractive conditions, this microcredit has the potential to change the reality of many.

But what exactly is this? Micro loansHow can MEI benefit? And how to apply? Let’s explore all the details so that you, the entrepreneur, can take advantage of this opportunity.

What is microcredit for MEI?

Microloans are a line of financing aimed at individual small business owners with total annual revenues of 360 thousand Brazilian reals.

The main objective is to provide financial support for working capital and productive investments, such as civil works, purchase of machinery and equipment, as well as inputs and materials needed to operate the business.

This credit aims to give small entrepreneurs the resources they need to grow and thrive..

BNDES, in partnership with local employment agents, makes this credit available to facilitate access to financial resources.

These agents are financial institutions and other authorized entities that act as intermediaries, ensuring that credit is delivered efficiently and under conditions appropriate to the needs of applicants.

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Loan terms

BNDES loans for SMEs have specific conditions that make them an attractive option:

• Loan amount:Up to 21 thousand Brazilian reals.
• interest rate:Up to 4% monthly.
• Credit opening fees: Up to 3% of the financing amount.
• Use of creditIt can be used for both working capital and fixed investments, including business and acquisition of new or used machinery and equipment and purchase of inputs and materials.

Furthermore, it is important to note that BNDES does not certify advisors or intermediaries to facilitate, accelerate or approve credit operations.

The application process must be done directly with the authorized operating agents or through Small and Medium Enterprises Channela platform targeting micro, small and medium enterprises.

How to apply for a loan?

• Applying for a BNDES loan for MEI institutions is a relatively simple process, but it requires attention to some important steps.
• The first step is to identify microcredit lending agents in your area. These agents are responsible for evaluating applications and determining specific financing terms..
• Prepare the necessary documents, which generally include proof of residence, personal documents, proof of registration as an MEI, among other things that the employment agent may request.
• Another way to apply for a loan is through Small and Medium Enterprises ChannelIt can be accessed on the BNDES website. This platform allows small investment institutions to submit their applications online, making the process easier.
• After the application, the operating agent will conduct a credit analysis to determine the eligibility of the loan. This process may include an assessment of the company's financial condition and ability to pay.
• If approved, the credit will be released according to the terms agreed upon with the operating agent. The amount can be used according to the needs of small business owners, respecting the uses permitted by BNDES..

The importance of small loans for small and medium enterprises

SME loans represent a great opportunity for small business owners looking to expand or strengthen their business.

With attractive financial conditions and an easy-to-access application process, this line of credit can be the key to new investments and operational improvements.

Benefits of small loans

The main benefits of microcredit include:

• Easy access to financial resources.
• Competitive interest rates.
• The application process is simplified..
• Possibility of investing in working capital and equipment.

It is essential that the parties involved are well informed about the terms and avoid unauthorized intermediaries to ensure a safe and transparent process.

For more information and to start your application, visit the BNDES website or find a microcredit operator in your area.With the right support, your business can reach new levels of success and sustainability.

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