Credit lines for businesses
Pronampe, BNDES lines and official programs: what each line finances, who can apply and how to prepare your documentation - information organized by Tecbank from official sources.
See the lines
Credit conditions, with source and date
The number that weighs most on your business’s conditions, fetched live.
- Integrated data - Selic rate (Central Bank of Brazil, SGS series 432): loading...
Relevance: the Pronampe interest cap is Selic + 6% per year.
The lines, by program
A direct summary of each program. For the details of your case, talk to Tecbank.
Pronampe
- Working capital and investment for microenterprises and small businesses
- Guarantee of the Operations Guarantee Fund (FGO)
- Application made at banks, with an organized document file
Procred 360
- Program focused on MEI and microenterprises
- Conditions and documents organized by stage
BNDES Crédito PME
- Working capital backed by public funds, via accredited banks
- Rate composed of factors: funding cost, BNDES share and agent share
BNDES Automático
- Project financing: construction, equipment and modernization
- Financeable items, terms and how to file
BNDES Finem
- Direct financing from BNDES for large investment projects
- Operations from R$ 40 million, with application on the Client Portal
Finem Associated Working Capital
- Working capital linked to a Finem investment project
- Cost: TLP + BNDES remuneration from 2.3% per year
Pronamp
- Working capital and investment for medium-sized rural producers
- Eligibility, documents and crop schedule
FGI PEAC
- Public fund guarantee for credit contracted at banks
- Program waives real and personal guarantees; the bank may request additional ones
FGI Tradicional
- Permanent BNDES guarantee for financing at banks
- For companies with annual revenue up to R$ 300 million
FG BNDES-SEBRAE
- Credit guarantee for MEI, micro and small businesses
- Coverage up to 80% of the operation, per the regulation
BNDES Microcrédito
- Credit for entrepreneurs with income up to R$ 360 thousand per year
- Contracted at microcredit operating agents
Move Brasil
- New vehicle for app drivers, taxi drivers and school transport
- FGI PEAC guarantee and BNDES operation
Pronaf
- Working capital and investment for family farming
- Eligibility with active Family Farming Registry (CAF)
BNDES Finame BK
- Accredited machinery, equipment and work vehicles
- For companies of all sizes, via accredited bank
Rural investment
- Moderfrota, Renovagro, Inovagro, Proirriga, Prodecoop and PCA
- 2026/2027 season: rates from 8.0% to 12.5% per year
Constitutional Funds FNO, FNE and FCO
- Rural working capital, investment and marketing in the North, Northeast and Central-West
- Investment from 7.65% per year with on-time payment bonus (2026/2027 crop year)
Cartão BNDES
- Revolving pre-approved credit for accredited goods and services
- Rate set monthly - November/2026: 1.63% per month
How to prepare
Three steps to reach the bank with everything in order.
Understand the line: what it finances, who can apply and which documents it usually asks for.
Organize your file: active CNPJ, certificates and revenue proof up to date.
Talk to Tecbank: we prepare your documentation before the conversation with the bank.
Get Tecbank’s guidance
Leave your CNPJ, e-mail and phone. The Tecbank team gets back to you with the next steps to prepare your documentation.
Next step for your company
Tecbank handles the opening process of your business account with service via WhatsApp, Google Meet or in person. Service in Portuguese.
Request the opening via WhatsApp (service in Portuguese)Tecbank service via WhatsApp, in Portuguese.