FGI PEAC: BNDES guarantee for business credit

Who can apply

• Individual microentrepreneurs (MEI), micro, small and midsize companies.
• Associations, private-law foundations and cooperatives, except credit cooperatives.
• Headquarters or establishment in Brazil.
• Annual gross revenue up to R$ 300 million.

How the program works

• The guarantee comes from the fund, maintained by BNDES; the credit, the analysis and the collection belong to the financial institution.
• The program waives personal and real guarantees; each institution sets its own credit policy.
• Amount, term, grace period, rate and the guarantee cost are set in each company's credit analysis.
• Whoever contracts remains responsible for payment: the guarantee supports the operation, it does not replace the company's commitment.

Where contracting happens

The operation is contracted at a financial institution accredited to the program; the official list of accredited institutions is maintained by BNDES. Tecbank handles the opening of your business account with service via WhatsApp, Google Meet or in person.

Talk to Tecbank on WhatsApp (service in Portuguese) to organize your company's information.

What to prepare before the credit analysis

• Does my company fit the FGI PEAC audience?
• Which amount, term and grace period make sense for my business?
• What is the full CET, including interest, the guarantee cost, fees and insurance?
• Which additional guarantees may the bank's policy require?
• Which documents and analysis timelines apply?