Productive microcredit
Can be an alternative to finance a small business activity. Check the served audience, the guidance offered, the region and the institution's conditions. Do not presume the same limit or rate for everyone.
TECBANK · GUIDES FOR BUSINESSES
Working capital: organize your company's cash flow
On this page · choose a topic
Understand the purpose of the credit, compare the cost and prepare a decision before contracting. This is a Tecbank guide, not a credit offer of our own.
What it is for
- Balance incoming and outgoing payments on different dates.
- Restock inventory and keep operating expenses covered.
- Assess improvements without confusing revenue with available cash.
Published conditions of the consulted reference
The consulted banking product advertises up to 36 installments and up to 59 days until the first payment. Its FAQ mentions individual analysis for up to 60 months and up to 89 days for the first installment. These terms are not guaranteed, are not Tecbank conditions and depend on the analysis, the modality and the conditions in force.
The digital channel describes fixed-rate interest; other structures must be confirmed with the institution. The page does not publish a universal rate or a CET applicable to every company.
Compare before taking on debt
- Net amount credited to the account and total amount repaid.
- Effective monthly/annual rate, CET, IOF tax, fees, insurance and charges.
- Term, installment calendar and early settlement conditions.
- A grace period should not be presumed free: check the interest and the effect on the balance.
- Required collateral, obligations, consequences of default and foreclosure risk.
Tecbank handles the opening of your business account. Talk to Tecbank on WhatsApp.
Credit for MEI: choose by business need
Before seeking a limit, define what the money will be used for and where the payment will come from. Having a MEI registration or opening an account does not guarantee credit.
Working capital
Used to assess a mismatch between receipts and expenses. Calculate how long cash will be short and do not use new debt to hide recurring losses.
Equipment and investment
Compare the payment term with the equipment's useful life and the expected return. Include installation, maintenance and the months until the investment generates revenue.
Public program lines
The existence of a program does not mean contracting is available to every MEI. Confirm the current rules, the participating institutions, the eligibility and the availability of funds.
What to compare in each proposal
- Net amount received, CET and total to pay, not only the installment.
- Monthly and annual interest, taxes, fees, insurance and the cost of the grace period.
- Guarantees, possible personal liability and consequences of late payment.
- The installment fitting the cash flow of a weak month, keeping personal and business finances separate.
Prepare without sending documents here
Organize proof of activity, recent revenue, statements, debts and the purpose of the credit. The exact list depends on the institution and the modality. Send data only through the responsible, verified channel, when there is a real request.
This is a comparison roadmap. Tecbank does not provide or release these lines on this page. Limits, rates, benefits and approval belong to the conditions of the responsible institution.
Organize the cash flow before asking for credit → · Compare credit and debts →
Keep exploring
Informational content reviewed on October 29, 2026. Tecbank handles the opening of your business account.Next step for your company
Tecbank handles the opening process of your business account with service via WhatsApp, Google Meet or in person. Service in Portuguese.
Request the opening via WhatsApp (service in Portuguese)Tecbank service via WhatsApp, in Portuguese. Opening subject to the bank's registration approval.