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Working capital for your business

Information for businesses. Tecbank carries out the business account opening process; product contracting and approval belong to the bank.

Working capital is a credit option to support the business's cash. It can help organize cash flow, restock, invest in equipment and finance improvements, depending on the modality and the bank's analysis.

Term, channels and approval

• The partner bank advertises up to 36 months to pay on the digital Working Capital. The term actually available depends on the offer, the credit analysis and the contracting conditions.
• Contracting is available in the bank's business app and business internet banking for eligible offers. Not every company will have an offer available.
• The money depends on approval and completion of the contracting. This page does not guarantee immediate release nor waive documentation.
• Conditions and costs vary by operation. Check rate, CET, installments, first payment date and guarantees before accepting.

Guarantee types

The official page presents card receivables, financial investments, boleto receivables and vehicles as guarantee possibilities, subject to the bank's analysis and rules. It does not mean every company or asset is eligible.

Card receivables

Card machine sales may be linked as guarantee, depending on the modality and the bank's analysis. Anticipating sales may affect the coverage and generate additional reserves.

Financial investments

Eligible investments may be used as guarantee. Acceptance, the value considered and redemption restrictions depend on the analysis and the contract. This is not an investment recommendation.

Boleto receivables

The bank presents boleto receivables as a guarantee option for companies that bill through boletos. Issuing any boleto does not guarantee acceptance: check the eligible receivables and the formalization the bank requires.

Vehicles

The official source admits vehicles owned by the company, partners or third parties, subject to analysis. Third-party assets require the owner's participation and consent in the formalization; they are not freely available to the company.

Working capital with card guarantee

In the bank's business app, check Menu > Loans > Working Capital with card guarantee, when the option is available. Review the offer and the summary before any contracting. The bank's official video confirms this path.

In this modality, card machine sales work as guarantee. The guarantee is monitored and the bank may reserve receivables to rebuild the required amount. Anticipating sales may reduce the guarantee and lead to a temporarily larger share of sales being reserved. Do not confuse this modality with simple receivables anticipation.

Contract the Working Capital

Check the offer and conditions in the partner bank's official channels. Contracting depends on the bank's analysis and approval.

Check Working Capital at the partner bank

Other credit options from the partner bank

Giro Franquias · PRONAMPE and BNDES · Giro Preventivo. Each modality has its own criteria; check availability at the bank.

What Tecbank does

We guide the first service and the organization of the business's information. Simulation, analysis, contract and credit granting belong to the bank.

Official sources consulted on October 29, 2026: Working Capital · Partner bank institutional video