Planning before credit

Build a picture of your cash flow

• List receipts and payments with dates, not just monthly totals.
• Separate recurring expenses, taxes, payroll, suppliers and debt commitments.
• Calculate the temporary cash shortfall and how long it lasts.
• Project a conservative scenario: late-paying customers, falling sales and higher costs.

Prepare the comparison

Request proposals with the same net amount, term and start date. Compare the total effective cost (CET) and the total to pay. Check whether the installment fits your cash flow even in the conservative scenario.

Debt can cover a one-off mismatch; it can also amplify a recurring deficit. Do not use the approved limit as a measure of what the company can afford.

Information to organize internally

• CNPJ and up-to-date ownership structure.
• Recent revenue and cash flow.
• Existing debts and installment schedule.
• Purpose of the credit and the expected source of repayment.
• Possible collateral and its restrictions.

Before requesting microcredit

Prepare a summary of the business to understand the conversation with the institution, without filling in a credit application here.

1. Activity and time in operation: describe what you sell or do, how long you have been operating and how you get paid.
2. Use of the money: separate inventory, equipment, improvement or temporary cash need. Tie the amount to an identified expense.
3. Experience with credit: note active contracts, installments and any participation in a solidarity group. If other people provide guarantees, understand the obligations before accepting.
4. Service and documentation: check the institution, the channel, the covered area and the exact list of documents. Personal and address data should only be provided through the proper channel, for an explained purpose.

A completed form is not approval, contracting or disbursement. Do not send CPF, receipts, passwords or documents through this guide. There is no agent registration, proposal or Tecbank microcredit integration on this page.