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For the purchase of registered goods and services; installment payment terms. Useful for SMEs that need to buy equipment, software, and inputs. (BNDES)
Usage limit according to the catalog of goods, costs for the financial agent, and there may be additional fees.
Sebrae / partners / financial institutions
They help reduce the risk for the financial institution, making access to credit easier. Example: partnerships for credit to women entrepreneurs through cooperatives such as Sicredi. (Sistema OCB/RJ)
They do not provide credit directly, but facilitate obtaining it from banks.
Aimed at medium-sized companies; includes investment financing (civil works, installations, furniture, equipment, etc.) and working capital (up to a certain percentage of the total amount), among others; longer repayment terms for investment projects. (BNDES)
More demanding in terms of documentation, collateral, and project feasibility.
Annual revenue of up to R$300 million; credit of up to R$20 million per company per year; repayment terms of up to 60 months; grace period of up to 24 months. (BNDES)
Interest rates involved = financial cost + the BNDES fee + the spread charged by the intermediary financial institution. Collateral is required. Approval is not always easy without a strong financial history.
Microcredit financing for beginner women entrepreneurs, women-majority businesses, etc.; amounts of up to ~R$21,000 for micro or small businesses; special conditions. (Agerio)
Modest amounts, more suitable for initial investment needs or working capital.
Companies with less than 2 years of revenue history; minimum project value of ~R$500,000; finances product/service development, acquisition of software and machinery, hiring personnel, installations, etc.; repayment term of up to 60 months; grace period of up to 18 months; interest rates starting from SELIC + 4.25% per year. (Agerio)
Relatively larger funding amount; requires the company to already have a business plan and to meet specific requirements.
For micro and small businesses with annual revenue up to ~R$4.8 million; credit from ~R$5,000 to R$21,000; repayment term of up to 36 months; grace period of up to 6 months; interest rates starting from ~0.25% per month. (Firjan)
Smaller amounts, intended for working capital or smaller investments. If a larger amount is needed, other credit lines may be more suitable.
Innovation or technology-based projects; resources may be non-reimbursable or offered under facilitated conditions. Example: a Sebrae–Finep partnership with R$1 billion for innovative micro and small businesses (MPEs). (agenciasebrae.com.br)
Usually limited by annual gross revenue (e.g., up to ~R$ 4.8 million in some calls for proposals). (agenciasebrae.com.br) There is also competition, since it is a call for proposals, so applicants must meet specific criteria.
FINEP (federal)
Innovative projects; financing of up to ~R$10 million in some cases. (sistemas3.finep.gov.br)
Small companies: TJLP; medium-sized companies: TJLP + 1% per year. Grace period of up to 24 months, amortization of up to 96 months. (sistemas3.finep.gov.br)
It is necessary to have a structured business plan. Not all startups qualify. There may be requirements for guarantees or state matching funds.