TECBANK · GUIDES FOR BUSINESSES

Guarantee funds: FGI, FG BNDES-Sebrae and PEAC

Asset evaluated before being pledged as collateral — Illustrative image generated by AI.

Three public guarantee structures appear together in BNDES documentation: the traditional FGI, the BNDES-Sebrae Guarantee Fund and FGI PEAC. This guide explains what each one is and what the published technical documentation means for your company.

What a guarantee fund is

A guarantee is not credit. The fund covers part of the financial institution's risk so it can approve more operations. Contracting, approval, disbursement and collection are always done by the bank. If there is a default, the debt is still collected from the company: the fund's guarantee protects the bank, it does not exempt the borrower.

The three funds at a glance

Traditional FGI: guarantee for operations of financial institutions that joined the FGI Operating Regulation through the Guarantee Funds Portal.
FG BNDES-Sebrae: BNDES guarantee fund in partnership with Sebrae, aimed at micro and small businesses.
FGI PEAC: Emergency Credit Access Program, with its own audience rules and conditions set in the credit analysis. See the FGI PEAC guide.

Who the technical documentation is for

The file layouts, the API documentation and the access roadmap published by BNDES are aimed at the technology teams of accredited financial institutions. They allow bank systems to exchange data with the funds. These technical details stay with the financial institution; for your company, what matters is arriving prepared for the analysis.

What this changes for your company

You do not need an API or technical layouts: the guarantee is assessed inside the financial institution at the moment the credit is contracted. What speeds up the process is arriving with the company's information organized and the right questions. Tecbank handles the opening of your business account and helps you organize all of this with you.

Talk to Tecbank on WhatsApp (service in Portuguese) to get started.

Source: the Documents for IT Developers page and the guarantee fund pages on the BNDES website, checked on November 2, 2026. Rules and versions may change; always confirm at the official source.

Keep exploring

FGI PEAC · Working capital · PJ packages · Help

Informational content reviewed on November 2, 2026. Tecbank handles the opening of your business account.

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