PRONAMPE and BNDES: understand the differences
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Information for businesses. Tecbank carries out the business account opening process; product contracting and approval belong to the bank.
These are credit lines with their own rules and purposes. Having a business account does not guarantee approval or automatic access to these funds.
PRONAMPE
The program supports micro and small businesses, including MEI under the current criteria. The partner bank informs contracting through business internet banking, for account holders with information shared on the Receita Federal portal and pre-approved credit. The operation remains subject to analysis and the program's rules.
PRONAMPE conditions advertised by the partner bank
- Total term of 60 months, with the first payment after nine months, according to the bank's offer and approval.
- Advertised rate of 6% per year plus 100% of the Selic. The Selic is post-fixed and changes the operation's cost.
- Interest during the grace period is incorporated into the outstanding balance and spread across the installments. The period's Selic is added to the payment, according to the contract conditions.
- A grace period does not mean free interest. Check the proposal's total value and the eligibility conditions before contracting.
Credit with BNDES funds
The bank presents different modalities, such as BNDES Giro, Finame and BNDES Automático. Each has its own purpose and criteria. For BNDES Giro, the official guidance is to talk to the manager to check documentation and conditions; those who are not yet clients should visit a branch.
What to check before applying
- Company size and classification, declared billing and document regularity.
- Purpose of the funds and a compatible modality, without mixing investment with working capital.
- Amount, rate, CET, grace period, installments and guarantees of the real proposal.
- There is no credit guaranteed by Tecbank nor release through advance payment.
Official sources consulted on October 29, 2026: PRONAMPE · Business credit · BNDES Giro
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